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A prepaid card is like a debit card and carries similar consumer protections including funds being FDIC-insured. The main difference is that a prepaid card is not linked to a checking account. A prepaid card does have a routing and account number so you can easily add money through direct deposit and move money with bank or PayPal transfers. You can also withdraw money through an ATM or selecting cash back when making purchases.
Lots of consumers turn to prepaid cards as a bank alternative to control spending. The wide range of features like bill pay, Payback Rewards,SMand getting paid up to 2 days faster with direct deposit helps them manage their money the way they need.
Other consumers use prepaid cards to complement their current set of financial tools including their traditional bank account. It gives them security while shopping or traveling, a way to share funds with a secondary cardholder, or a way to control spending by setting aside a certain amount a month.
One main reason consumers are including a prepaid card in their portfolio of financial tools is that it is not connected to other financial accounts. A prepaid card is funded by money that you load to the card. If the card is lost or stolen not only might your money be safe with Visa Zero Liability, but your exposure is limited to the funds on the prepaid card. A prepaid card is a great option when making purchases around town, while traveling, or online.
You "load" or deposit money onto your card, then access that money directly by making online or in-person purchases, paying bills, or withdrawing cash at an ATM. Loading money is easy and can be done several ways, including direct deposit, transferring money from a bank or PayPal account, loading a check using the mobile app, or adding cash at one of the more than 130,000 NetSpend Reload Network locations.
After you add money, then use it everywhere Visa debit cards are accepted. It's that simple. There's no credit check or minimum balance.
The easiest way to load money is with Direct Deposit. Have some or all of your payroll or government benefits loaded automatically to your card, and you'll get paid up to 2 days faster. You can also load paper checks with Mobile Check Load, transfer money from a bank account, or add money at one of the 130,000+ convenient reload locations in the NetSpend Reload Network.
Yes, upon successful activation and registration of the Card Account, funds are FDIC-insured through the card issuer.
One of the benefits of enrolling in Direct Deposit is receiving your funds faster, which is based on comparison of the card issuer's immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding. Check with your payor to find out when the direct deposit of funds will start.
We do not charge for online transfers, but there is a $4.95 fee for transfers conducted through a live Customer Service Agent. See Cardholder Agreement for details.
No, there's no credit check because the NRA Visa® prepaid card isn't a credit card.
Like most financial products, prepaid cards do include fees. We want to make sure that you aren't caught off guard when it comes to fees so we list all potential fees for your awareness.
Some examples of how to avoid fees:
NetSpend does not charge for these services, but your wireless carrier may charge for messages or data.