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Netspend Prepaid Card Review Advertiser disclosure You’re our first priority. Every every time. We believe that everyone should be able to make financial decisions without hesitation. And while our site doesn’t feature every company or financial product on the market, we’re proud of the advice we offer as well as the advice we provide as well as the tools we design are independent, objective, straightforward — and free. How do we earn money? Our partners pay us. This may influence which products we write about (and the way they appear on our website) however it does not affect our suggestions or recommendations, which are grounded in many hours of research. Our partners are not able to be paid to ensure positive ratings of their goods or services. . Netspend Payday Card Reviews by Spencer Tierney Senior Writer | Certificates of deposit, ethical banking, banking deposits Spencer Tierney is a consumer bank writer at NerdWallet. He has covered personal finance since 2013, with a particular focus on deposit certificates and other topics related to banking. The work he has written for him was covered in The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California. Feb 10 2021 Edited by Alice Holbrook Assigning Editor | Banking, savings, and homebuying products Alice Holbrook joined NerdWallet in 2013 as an editor on the team for home/mortgages. Previously, she was an editor on the team for banking as well as covered banking and insurance as a writer as well as working at the copy desk. Her work has been featured on USA Today, MarketWatch, Newsweek and The Washington Post. Email:

. A majority or all of the products featured here are from our partners who pay us. This affects the products we feature and where and how the product is featured on the page. But, it doesn’t influence our evaluations. Our opinions are entirely our own. Here is a list of and . Netspend’s prepaid debit cards can be expensive alternatives to a checking account. They’re easy to get as there’s no credit or banking history necessary to sign up, however, Netspend lets you pick between paying a monthly charge or paying a fee each time you make a purchase. Either way, you might pay more fees each year than what you can accrue interest on the savings account on your card. There’s a handy nationwide network of over 130,000 locations for cash reloads, but it isn’t cheap and there’s no free access to ATMs. The best choice for those who want a payment card that won’t allow you to be in negative territory or charge overdraft fees, except if you choose to add the coverage for overdrafts. Anyone who has had difficulty with managing a bank account in the past. Find more alternatives: Take a look at the list below for Netspend Card Pros 5.00 Savings account with APY of 5% with balances up to $1,000 and 0.50% APY on the excess amount. Easy access to adding and withdrawing cash from the network of retailers. You can get your paycheck up to two days earlier by transferring your money directly. Overdraft grace time or courtesy cushion are available with optional overdraft coverage. >> Looking for ways to build credit instead? Find out more about Netspend Card Cons Steep monthly fee for the fee plan with the lowest fee and no way to waive the fee entirely. The network is not free for cash reloads or withdrawals. Inactivity fees if you cease making use of the credit card and other fees that many prepaid cards don’t have. The option of an overdraft is $20 per overdraft, up to the maximum of five per month. Are you ready to start a savings account that is traditional instead? Learn more about prepaid debit cards What is a prepaid debit card? A prepaid debit is one type of credit card that lets you spend the money you load onto the card. They do not assist in building credit. Like a debit card, the prepaid card can be used at any merchant which accepts its payment network, like Visa, Mastercard or American Express. It’s more secure and convenient as opposed to cash. Most prepaid cards have a mobile app to deposit checks and transfer funds. Find out more about our . Unlike checking accounts, prepaid debit cards could not offer certain services such as free ATM branches, branch networks, check, and other things. If none of that appeals to you, see our selection of . If you’ve been struggling with banks before, check out . Prepaid debit card vs. debit card vs. credit card Prepaid debit cards — pay prior to you load funds onto the card through cash check, direct deposit or an account with a bank before you pay for transactions. Debit cards — pay today: You use funds directly from your checking account when paying for purchases or withdrawing cash from ATMs. Credit cards Pay later: You take money from a financial institution when you make use of the card. You repay the loan later. What exactly is FDIC insurance for prepay cards work? Prepaid debit cards typically include FDIC Insurance, and it helps keep your money safe in the event that the issuer goes under. Only financial institutions are eligible for FDIC insurance, so a prepaid card is either operated by a bank, or a prepaid card company that has a partnership with a bank in order to provide that insurance. You must register your debit card in prepaid form with your name and any other details of identification in order to be eligible to receive FDIC insurance and other protections. Author bio Spencer Tierney is an expert on certificates of deposit at NerdWallet. His work has been highlighted by USA Today and the Los Angeles Times. On a similar note… Discover a better checking account View NerdWallet’s recommendations for the best checking accounts. Dive even deeper in Banking Get more smart money moves – straight to your inbox Sign up and we’ll send you Nerdy articles about the money topics which matter to you the most along with other ways to help you get more from your money.

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