Choosing a prepaid debit card can be tricky. Because there’s still a lot of differences in the security, charges and features of various prepaid cards out there.
For this reason, we have reviews and rankings available of prepaid debit cards for direct deposit to help you make the right choice.
Bottom Line: Here are our top picks for free prepaid debit card for direct deposits with no opening deposit no credit check, no overdraft fee, direct deposit, no minimum balance, state-of-the-art banking app, and more: Chime (Sign up Using this Link & Takes 2 minute only)
There are numerous advanced features and benefits available on these prepaid debit cards that even some well-known banks do not provide to their customers.
It is a secure and efficient method of paying bills, rent, and a variety of other obligations without having to spend money on money order fees and other fees.
We’ve compiled a list of the best reloadable prepaid debit cards for direct deposit so that you can choose from the most suitable options when you sign up for a prepaid card and take advantage of its numerous benefits.
Best Prepaid Debit Card For Direct Deposit
- Chime
- Netspend Visa Prepaid Card
- Brinks Prepaid Mastercard
- Bluebird by American Express
- Walmart MoneyCard
- PayPal Prepaid Mastercard
1.Netspend Visa Prepaid Card
A Visa prepaid card, Netspend was established in 1999 and is currently used by more than 10 million people. It provides numerous advantages and features that make it possible to manage your finances more efficiently and effectively.
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Feature and Benefit
- Direct Deposit– Get paid 2 days faster
- Mobile Check Load – Snap photo of your check with your phone and get funds in your card. No more visiting banking.
- Reload Location – There are more than 130 thousand location to reload balance to your card
- Send Money – You can even send money to your family and friends with ease.
- Transaction Alerts – Any transaction takes place with your cards, you will get instant notification on your phone. So you know it quickly.
- App – it helps you manage your account and money without leaving your phone.
- Rewards – Earn cashback for your each transactions
- Custom cards
- Zero Liability
- Virtual Card Number
- No credit check – if you have any bad credit then this will not affect your eligibility of getting the netspend cards.
Price
Maintenance fees and other charges are incurred on a monthly basis, and you should be aware of these charges before signing up for an account. The following are the specifics of the fee for netspend prepaid cards.
- Signature Purchase Transaction Fee – $1
- PIN Purchase Transaction Fee – $2
- Monthly Fee – $0 – $9.95
- Card Reload Fee – $0 – $3.95
Although netspend is prepaid debit but it is provided by the MetBank and Bancrop.
How do you put money on a netspend card?
A variety of options are available for adding funds to your netspend prepaid cards. These options include direct deposit, reloading funds from netspend reload locations, bank transfers and PayPal transfers as well as tax refunds and other sources.
2.Brinks Prepaid Mastercard
Brinks is a prepaid debit master card that is affiliated with the Netspend affiliate company, allowing you to take advantage of all of the benefits and features that Netspend has to offer.
It has many similarities and only a few differences, so let’s take a look at the most notable feature of the Brinks Prepaid Mastercard.
Feature and Benefits
- Direct Deposit – you can get the fund up to 2 days faster in your cards
- Alerts- whenever your cards are used for any transaction, you will receive sms notification to inform you about the transaction and details.
- Online Account Center – You are able to get access to your account information and card information.
- Mobile apps- you can download the Brinks mobile apps and get access to your account from your smartphone
- CashBack – if you purchase a product or service from the Brinks affiliate store then you will receive cashback and amount varies depending on the store and promotion period.
- Refer Friend- you are able to refer your friend and earn cash for it.
- Budgeting tool – it can help you better at money management.
3.Bluebird by American Express
For those who are interested in opening prepaid debit card accounts, Bluebird is yet another option to consider. Prepaid debit cards, which can be used for a variety of purposes such as shopping, bill payment, and many others, are completely safe and costless to use.
When it comes to the Bluebird prepaid debit card platform, it offers a slew of noteworthy benefits and features that you should consider before signing up for the service.
Features and Benefits
- No monthly fee – there are only few prepaid cards companies offered it
- No foreign transaction fee
- Able to add cash to account from Walmart for free
- Pay online bill
- Early deposit- it is faster compared to traditional bank account
- $0 Card transaction fee
- $0 inactivity fee
- $0 in network withdrawal fee.
Overall, Bluebird offers a slew of features and benefits that other competitors cannot replicate without charging extra prices.
As a result, if you’re looking for a free prepaid debit card, Bluebird is viable options.
FAQ
Is Bluebird American Express legit?
Bluebird is a completely legitimate company that offers prepaid debit cards without a monthly fee. It has been recommended by tons of online review sites and it has more than 1 million apps installed in google play.
There are a decent amount of excellent reviews and comments. So it is not a scam platform to open prepaid debit accounts.
4.Walmart MoneyCard
Walmart Moneycard is another popular prepaid debit card that is available. This prepaid debit card provides a multitude of features and benefits, making it one of the most popular choices among those looking for prepaid debit cards.
Here are the standout feature that might help you to learn more about the Walmart Moneycard
- Cash Back – You can able to earn 3% cashback and up to $75 dollars per years
- No monthly fee- there are no monthly fee for account with $500 dollars direct deposit per months
- Direct Deposit – You can get your payments 2 days early, this feature offered by almost all the prepaid debit cards companies.
So it is another option for prepaid debit cards users who frequently shop online or instore.
4.PayPal Prepaid Mastercard
Another well-known prepaid card company is Paypal Prepaid Mastercard, which operates as a division of Netspend Corporations. Despite the fact that a prepaid card bearing the name PayPal is available, it has nothing to do with your PayPal accounts.
Prepaid Mastercards are the only cards that are accepted by merchants who accept Mastercards, both online and in-store.
Once you have signed up for prepaid debit cards, you will receive them in the mail within 7-10 business days. When compared to other prepaid cards, it receives a high rating of 4.2.
But, when compared to other prepaid cards, it is not a good alternative for consumers who want a lot of features and benefits.
Final Thought
Prepaid debit cards are a great option for people who don’t have access to debit cards or who want to expand their card options in order to keep track of their spending and make better budgeting plans.
It includes a plethora of features and perks that allow users to handle their money securely and discreetly without fear of becoming a victim of fraud.
FAQs
Can you use a prepaid debit card for direct deposit?
Yes, without a doubt. A direct deposit feature is available on the majority of prepaid debit cards, in fact.
As a result, you will save time by not having to reload the cards.
And the process of setting up direct deposit is very simple and straightforward. All you need to do is obtain the routing number and account number from the company that issues your prepaid cards.
In some cases, enrolling in direct deposit will eliminate the need to pay the monthly fee. Please keep in mind that these options are provided by a very small number of prepaid card companies.
What prepaid cards have a routing and account number?
Routing numbers and account numbers are provided by almost all prepaid debit card companies. Gift cards, for example, are prepaid cards that do not have an account number because they are intended for one-time use only and therefore do not require an account number.
As a result, there are no transaction fees or monthly fees associated with these gift cards. These gift cards are provided by well-known companies and merchants.
If you require a routing number and an account number, we recommend that you sign up for one of the prepaid cards that we have listed in this post because it provides the most benefits and a wide range of features for the lowest cost.
How can I get a debit card without a bank account?
Yes, it is possible to obtain debit cards without having a bank account. Prepaid debit card companies provide you with a prepaid debit card that functions in the same way as a debit card associated with a checking account provided by banks.
When you go to the bank, they will look for bank history and other information that could make it difficult to obtain a debit card. Prepaid debit card companies, on the other hand, do not conduct any background checks because you must first reload money onto the card before you can use it for any transaction at all.
Does netspend have routing and account number?
Since netspend has a feature of direct deposit, netspend has routing and account number.
Obtaining access to your routing and account number requires you to either contact netspend customer support or submit a request through the netspend app.
What is a debit or prepaid card?
It is a straightforward debit card that can be used in place of traditional bank checking account debit cards as an alternative. It enables you to reload funds onto your cards, after which you can use them to complete any online or in-store transaction you desire.
These prepaid cards are typically provided by either a Visa or a Mastercard merchant provider, and you can use them to make purchases anywhere that Visa or Mastercard is accepted as a payment method.
It allows you to keep track of your spending and can be extremely useful if you are making an online purchase.
It also includes all of the tools and features necessary for conducting safe and secure transactions as well as obtaining a refund in the event that something goes wrong.
Can the government track prepaid cards?
It is possible to obtain information about the card holder’s account. Private companies, on the other hand, are unable to track down the owners of prepaid cards.
It is traceable because it is insured by the Federal Deposit Insurance Corporation (FDIC).
In that case, if you’re looking for something that can’t be traced, I recommend that you try gift cards, which are completely untraceable by government agencies or any private creditors.
Can I withdraw money from a prepaid card?
Yes, you can make cash withdrawals from your prepaid card account. You can, however, only withdraw the amount that is currently in your account.
It is also important to note that the card issuer has set certain restrictions on the amount of money that can be withdrawn as well as the fees that are associated with it.
In order to avoid disappointment, before you sign up for a prepaid debit card account, carefully review the terms of service and what is included in the cards and fees.
Do prepaid cards cost money?
There are no free prepaid debit cards available on the market.
Each company has its own pricing policy, with amounts ranging from $1 to $9.99 per account depending on the company.
Because these are prepaid debit cards, the only way the issuer can make money to cover the costs of providing the service is by charging a monthly fee and, in some cases, a transaction fee.
For those who are looking for free debit cards, I recommend that you sign up for Chime, which provides a completely free online checking account along with a debit card for the price of $0. It provides highly rated applications that assist you in managing your online transactions and finances.
