visa prepaid debit card pin number

Can I withdraw cash at ATM or POS locations with my Gift Card? Does my Walmart Visa Gift Card have a PIN number? Why is the merchant seeking authorization. This Visa® debit card is issued through Bank of America. as your Social Security Number, PIN (Personal Identification Number) or Prepaid Card Number. Easy to open and activate · 5 designs to choose from · Accepted wherever you see the Visa® logo, plus ATM access after enabling a PIN · Reload funds in the amount.

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Visa Debit Cards

Looking for a better way to pay?

With your Bank of Oklahoma® Debit Card, you can shop at millions of stores, online and in person.

A Safer, Faster Way to Pay

Your Bank of Oklahoma Visa® Debit Card with EMV chip-activated technology is fast, safe, and accepted worldwide. It pulls money directly from your checking account, so there's iboc app any interest to pay. Simply use it in stores or enter the number online to make purchases or pay your bills. It also doubles as your ATM card, giving you access to more than 450 Free ATMs statewide, including all Tulsa area QuikTrip and Kum & Go locations and all OKC area 7-Eleven and OnCue locations. Plus, you'll get special offers and deals from Visa®, simply by owning the card.

Manage Kimber micro 9 owb holster Cards in Online & Mobile Banking

If you believe your card is lost or stolen, you can instantly block it in Mobile or Online Banking, rendering it unusable right away. If you do find your card later on, you can just as easily bank of america 1800 number credit card it. Before you travel, use Online & Mobile Banking to send us a travel notification and we can ensure your debit card and ATM transactions remain uninterrupted.

Safety First

With your Visa® Debit Card, you have many safety features not included on checks or cash.

bank code of union bank of the philippines With Zero Liability*, you are protected from unauthorized charges that are promptly reported to the bank. Any funds taken from your account due to fraudulent use will be returned to you.

Because your Visa® Debit Card comes with built-in chip technology, you get an extra layer of security against fraud.

Your Visa® Debit Card is safer than writing a check because personal information like your address, phone number and driver's license number stay confidential.

And of course, carrying your card is safer than carrying cash. If it's stolen, just call us immediately and we can deactivate the card right away to further protect your money.

Sign up for Online or Mobile Alerts to get notified of activity on your bank accounts.

Card Features

Special Offers from Visa®

Visa® offers lots of special perks to debit card holders. You'll get discounts at all sorts of places, boa payoff phone number clothing and shoe stores to hotels and travel attractions**. Visit Visa's® website to learn more and start using your perks today!

Special Offers

Using Your Chip Card

You can swipe your card at traditional terminals, but if a chip-activated terminal is available, follow amazon visa bill pay simple steps:

  • 1. Insert the chip end of your card into the terminal with the chip facing up.

  • 2. Keep your card in the terminal and follow the prompts.

  • 3. Remove your card when prompted and take your receipt.

Getting Cash Back From Merchants

To avoid extra trips to the bank or ATM, some merchants will allow you to request cash at the end of your purchase. It's an easy, fee-free way to take cash out when you need it.

When you're making your purchase, ask if the store offers cash back. Many do, especially grocery stores and drug stores. If they do, to request cash after making a purchase, simply press debit instead of credit on their machine. Then, enter your PIN and select the amount of cash that you want to complete the transaction. The cashier will hand you the money and it will simply be added onto the cost of your purchase. It’s that easy!

Enroll in a Bank of Oklahoma checking account today. When you receive your Visa® Debit Card, you can begin using it right away

Checking Accounts 

Frequently Asked Questions

Chip cards are regular plastic credit or debit cards with an embedded microchip. The chip protects in-store payments because it generates a unique, one-time code that is needed for each transaction to be approved. A chip card also has a magnetic stripe on the back of the card.

Just like you do today, you’ll have the option to either sign or enter your PIN for debit purchases.

Yes, you can still make purchases as you always have — by entering the card number online or swiping your card at merchant locations that do not yet have chip readers. You can also continue to use your card at ATMs.

You can use your chip card anywhere Visa cards are accepted. You can swipe your card just like you do today using the magnetic stripe on the back of the card, if a chip-activated terminal is not yet available. The terminal or the cashier will prompt you to insert and leave the card in the terminal until the transaction is complete if it’s activated for chip.

Yes, just swipe your card using the magnetic stripe the way you always have. You’re still protected from unauthorized transactions with our Zero Liability Policy*.

Some merchants may have chip terminals, but they may not yet be activated to accept chip cards. If you are unable to insert your chip card into a chip terminal, you can always swipe your card to complete the transaction. Most often, merchants that haven’t activated their terminals will block the chip slot.

Until the technology is available everywhere, chip card acceptance may vary by type of payment card at some merchants. During this transition, you can always swipe your card to complete the purchase. And rest assured, you’re protected with our Zero Liability Policy.

Your card will always work either by swipe or insertion. The terminal or the cashier will prompt you to insert the card into the terminal if it’s activated for chip technology. If the terminal is not yet chip-activated, you can always swipe your card to complete the purchase.

All Visa cards offer protection from unauthorized use of your card or account information. Chip technology offers another layer of security when used at a chip-activated terminal, because it generates a unique, one-time code that is needed for each transaction to be approved.

One of two options can be pursued if your card is lost or stolen:

  1. Contact an ExpressBanker at 800-234-6181 to report your card lost or stolen and request a replacement card. Your card comes with zero liability protection, so you won’t be liable for any unauthorized transactions you report in a timeline manner.
  2. Send us a secure message in Online or Mobile Banking.
Источник: https://www.bankofoklahoma.com/personal/products-and-services/personal-banking/account-services/visa-debit-cards

Visa Prepaid Cards FAQs

How does a Prepaid Card work?
It’s a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa/PLUS ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I know the balance on my Prepaid card?
You can check your balance at our Web site, www.mydccu.com, by calling your local branch, or by calling customer support at 800-245-8085. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my Prepaid Card be used?
Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink, or Plus® ATM worldwide.

Is there transaction or reload limits?
Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals, and cash advances performed within a certain time period. To learn more about visa prepaid debit card pin number current limits, please reference your terms and conditions.

Who can order or use the card?
Our Visa Prepaid Card can be purchased online by anyone that has a valid DuPont Community Credit Union debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the Prepaid Card. Personalized primary cardholders can order online up to three personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card.
Non-personalized and personalized cards may be purchased by any DCCU member at any branch location.

Can I purchase a Visa Prepaid Card as a gift?
No, Visa Prepaid Cards cannot be given as a gift. You purchase the Visa Prepaid Card for your own personal use.

How do I get a Prepaid Card?
You can order personalized Prepaid Cards directly at this site, or purchase non-personalized Prepaid Cards at your local branch.

Does the cardholder need to sign an agreement?
Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by either signing the back of the card, using the card, or receiving the card by request.

How do I activate my Prepaid Card and obtain my PIN?
Non-personalized cards are activated at the time of purchase. Personalized cards can be activated by logging into this site and clicking on the Activate Card button, or, by calling the customer support number listed on the back of your card. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you’ll be given the opportunity to select a new PIN if you choose.

What happens if I need to return an item?
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Prepaid Card. They may credit your Prepaid Card; provide a cash refund, or a store credit.

What if the purchase is denied?
If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants – for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines – preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $25. Again, only the actual amount spent will ultimately be deducted from the card.

Can I reload the Prepaid Card?
Yes, the card can be loaded unlimited times for Personalized and Non-Personalized Prepaid cards. To reload using the credit or debit card registered during enrollment, primary cardholders can visit the website, call the number listed on the back of their card, or visit your local branch. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.

Why might my initial load or reload be declined?
Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the Visa Prepaid Card website, the debit/credit card expiration date or the 3 digit code listed on the website is incorrect. First, verify your funding source information. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?
Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel – especially overseas?
Visit our website at www.mydccu.com or use the ATM locator found at www.visa.com for participating Visa ATMs both domestic and abroad.

What is the exchange rate when I get to another country?
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my Visa Prepaid Card is lost or stolen?
We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 800-245-8085. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card’s available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card.

Источник: https://www.mydccu.com/banking/prepaid-cards-faqs

Debit Card PIN: What You Need to Know

Debit Card PIN Frequently Asked Questions

Do I need a PIN to continue to use my debit card?
No. You can continue using the debit card by signing for your purchases.

What is a debit card PIN? 
A personal identification number (PIN) is a unique four digit number sent to you upon request and can not be customized. Our service team does not have access to this number so if you forget it, a copy of your PIN will be mailed to you from our debit card vendor upon request.

If I get a PIN number, can I access funds at an ATM? 
No. The PIN number can only be used when making a purchase. You can continue to use your card without a PIN number to make purchases.

What happens if I enter the wrong PIN? 
If you enter your PIN number incorrectly more than 3 times, your card will be locked for all purchases including signing for the expense. You will need to contact customer service for assistance to prime login additional purchases.

Can I choose my own PIN number? 
No. The system used by our debit card administrator does not allow customization of the PIN.

Can I use the same PIN number for all cards (mine and my dependents) listed on my account? 
No. Each card will have their own specific PIN number and must be requested separately.

Can the merchant charge me additional fees if I visa prepaid debit card pin number not to use a PIN number? 
No. Merchants cannot charge additional fees to health spending account debit cards when signing for purchases.

Are merchants required to allow PIN purchases for the card? 
No. Merchants are not required to register their PIN network for medical expenses. Purchases made using a PIN could be denied. You can instead continue to sign for purchases.

What if I forget my PIN? 
If you forget your PIN, you can still make purchases by signing for the expense. To have a new PIN reminder sent, please contact our customer service team. Note that for security reasons, our service team does not have access to your PIN number.

How do I request a PIN? 
To request a PIN number, contact our customer service team at 800-859-2144. They will submit a request with our debit card vendor to have a PIN number mailed to you. Please allow up to three weeks to arrive in the mail.

Источник: https://learn.hellofurther.com/Individuals/Debit_Cards/Debit_Card_PIN%3A_What_You_Need_to_Know

Where is the Pin on a Gift Card?

There has been a rapidly increasing popularity of e-shopping and e-commerce for more than five years. As technology has started to introduce advanced and state-of-the-art options, people are gradually becoming used to advanced gadgets and the transition in the market of e-commerce which directly affects consumer behavior. Furthermore, because of the increased accessibility and convenience of online shopping, consumers gradually understand and familiarize themselves with the high-speed digital gadgets, novel ways of checkouts, security systems, and presenting gifts differently, including gift cards.

The innovative concept of a gift card is becoming popular as an e-commerce market. It is a new form of payment conveniently used to purchase items at retail stores, gas stations, dining restaurants, and other grocery stores. The concept involves loading the desired amount of money into the card, which you can either use or present as a gift. The person awarded the gift card can easily spend the money at any accepted shop or location. These cards are preloaded, and the recipient of the card can spend it on any activity, facility, or service but within the card’s balance limits. If you have received a gift card as a present, you can immediately start spending, but certain limitations and conditions need to be dealt with before purchasing. In most scenarios or at various locations, the retailers may ask for the personal identification number or the PIN. The PIN is ideally located on the back of the physical card and highlighted on the email received with the electronic gift card number. In specific scenarios, the PIN is not used to withdraw money from the gift card at an ATM, similar to the debit card. However, gift card recipients are encouraged to display the PIN to check the remaining visa prepaid debit card pin number balance and retrieve a replacement card.

Where is the Pin on a Gift Card?

You can find PIN on the back of your gift card visa prepaid debit card pin number the bottom right corner under the silver scratch-off area. Gift cards issued by department stores typically have a PIN. Additionally, the gift card PIN is the last four digits of the card number or you need to call the issuer’s phone number.

Where is the Pin Number on a Visa Gift Card?

PIN on a Visa gift card and Mastercard gift cards are located on the back of your card. Just scratch off the protective covering with a coin, and you can read the four-digit PIN.

PIN on Visa and MasterCard gift card

Visa and MasterCard gift cards changed their policies and began asking for the PINs after 2013. Contrary to tradition, the PINs are not directly located on the back of the card. Instead, the customers or the recipients of the visa and MasterCard gift cards are advised to call the customer service on the number available at the card’s back. By using the automated hdfc bank new account login, the customers can enter the 16 digit card number. After carefully following the process, the computerized system will inquire about the expiration date and three-digit security code, always located and written on the card’s back. Finally, the system will select a personalized four-digit pin code by following the procedure and fulfilling the desired requirements.

Pin using a different name

If you are presented with an American Express gift card, then these cards can operate without PINs. The American Express gift cards are equipped with a four-digit number called a card security code. The card security code is written on the card front directly above the 15 digit card number. Similarly, discover gift cards are slightly different from American Express gift cards. There is a three-digit number referred to as the customer identification number highlighted on the card’s back. The Discover gift cards are prepaid with cash and stored value cards used by recipients to make purchases around the US. These cards are accepted online and in stores as well.

Store gift cards

Gift cards that various department stores deliver come with a personal identification number. This number is easily positioned on the back of the card, but the area is hidden with silver protection and needs to be scratched off to view the PIN. For example, most departmental stores, Aeropostale, REI, Sephora, and Ulta gift cards, have the number at the back of the card and are covered under the scratch-off area. The PIN of these cards is heavily protected because of security purposes. The departmental stores make sure the numbers are tucked in well to prevent the PIN of a particular gift card from being embezzled or misused. This is done to curtail the risk of card thefts; therefore, authorization of the card before being used is mandatory. Walmart gift cards are available with pins only; however, if customers are interested in using a gift card without having a PIN, they can only consume the card in stores and not online since their official website asks for a PIN security measure.

E-gift cards

If you have received an electronic gift card, then the PIN is available on the email. If the retailers ask for customers to personalize their PIN, then the process to choose a PIN is directly available on the email and the retailer’s official website. This process can be performed online as well as on the phone.

With a growing trend of electronic gift cards, different departmental stores and retail shops have introduced and encouraged geld overmaken naar creditcard ics concept to make shopping virtually easy. Smartphones are almost owned by everyone so with the help of computer checkout you can reduce the possibilities of long queues. There are no shipping costs as well, so you can quickly minimize time and money. It is perfect for those who have a busy schedule and are looking for last-minute gift lovers. Presenting gift cards is an ideal alternative for a gift and has significantly revamped the concept of shopping. The gift card recipients are supposed to find their PINs available on the back of the card hidden under the scratch panel with a coin’s help. The four digits PIN will make online shopping via gift cards easier and convenient. They are mainly required to use the gift card as a debit transaction lake norman citizen online the point of sale. You can visit the change/set up the PIN page to change the PIN settings. Payments processing stations may vary at different outlets, restaurants and gas stations, etc.

Filed Under: Personal Finance

Источник: https://www.nimblefreelancer.com/prepaid-card-pin/

6 Best Prepaid Debit Cards

  • Bluebird by American Express: Cheapest.

  • Movo Virtual Prepaid Visa: Cheapest.

  • Fifth Third Access 360° Reloadable Prepaid Card: Best for ATM withdrawals.

  • FamZoo Prepaid Card: Best for parents.

  • Greenlight Prepaid Mastercard: Best for parents.

  • Walmart MoneyCard: Best for shopping at Walmart.

  • Chime: Best cheap prepaid alternative.

What are prepaid debit cards?

A prepaid debit card visa prepaid debit card pin number serve as a budgeting tool or an all-out replacement for a bank account — and the best prepaid cards offer convenience while charging few fees.

Prepaid cards are easy to get. There’s no credit check, and they’re often available even if you can’t get a bank account because of a bad banking history. Unlike with a credit card, you load funds onto prepaid cards before use.

Some companies also offer mobile-optimized banking accounts that don’t require a squeaky-clean banking or credit history — and they often cost less than prepaid cards. Skip ahead to read about these low-fee alternatives.

Prepaid debit cards vs. regular debit cards

You don’t need a bank account to get a prepaid debit card, but it’s a requirement for a regular debit card, which is linked to your checking account. For prepaid debit cards, you load the card with money when you get it, then use it to make purchases. For regular debit cards, the funds visa prepaid debit card pin number your payments are taken directly from your checking account as you make payments.

» More from NerdWallet:What is a debit card?

Nerdy tip: If you need to build credit or have been denied a bank account, a prepaid debit card might not be the best option: Secured credit cards help build credit, and if you can't get a regular checking account, try second chance checking. These accounts provide another shot at mainstream banking and its perks.

Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Here are our top prepaid debit cards based on fees and features. Scroll down for more detail on each account.

Bluebird
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into visa prepaid debit card pin number multiple data points for each financial product and service.

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Bluebird by American Express

  • No monthly fees

  • Free ATM network

  • Great budgeting features

Movo® Prepaid Visa® Card

Movo Virtual Prepaid Visa Card

  • No monthly fees

  • Instant transfers between cards

Fifth Third Access 360° Reloadable Prepaid Card
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple chase credit card minimum payment points for each financial product and service.

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Fifth Third Access 360° Reloadable Prepaid Card

  • One of the biggest free ATM networks among prepaid cards

  • $4 monthly fee that's easy to waive

Prepaid Debit Card

FamZoo

  • Multiple subaccounts for kids

  • Costs $2.50-$5.99 per month

Greenlight®

Greenlight

  • Subaccounts for kids

  • Store-specific spending controls

  • Monthly fee from $4.99

BEST FOR SHOPPING AT WALMART

MoneyCard® Reloadable Prepaid Card

Walmart MoneyCard

  • 3% cash back at Walmart.com and in the Walmart app and other cash back rewards

  • Multiple subaccounts for family members

  • 2% APY on up to $1,000 in savings account

BEST ALTERNATIVES TO PREPAID

Chime Spending Account
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Chime

  • No monthly fees

  • Has a savings component

Bluebird by American Express

Cheapest

Bluebird
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

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Bluebird, issued by American Express and in partnership with Walmart, offers more than the average prepaid debit card, and you can load and spend money without paying fees.

But Bluebird does have limits when it comes to merchant acceptance, and it doesn’t allow cash back at retailers.

  • General fees and features: No monthly fees and no costs for online activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee.

  • Reload methods: Direct deposit, debit card transfer, card-to-card transfer, mobile check deposit (with a third-party fee for instant processing), cash load at Walmart or other stores. (Retailers other than Walmart may charge up to $3.95.)

  • Other features: Check writing, separate “set-aside” accounts for savings and up to four subaccounts for family members.

  • Downsides: No cash back at retailers. The card is issued by American Express, which isn’t accepted everywhere that Visa and Mastercard are.

» Learn more abouthow prepaid debit cards work

Movo Virtual Prepaid Visa Card

cheapest

Movo® Prepaid Visa® Card

Most prepaid debit cards either charge visa prepaid debit card pin number each month or each time you make a purchase, but the Movo Virtual Prepaid Card does neither. The exception is if you go more than three months without activity; then a $4.95 inactivity fee is charged per month until there’s activity. A “virtual” element lets you buy things online, and you can request a physical card for in-person purchases, ATM withdrawals and cash back at retailers.

  • General fees and features: No monthly fees and no costs for activation; $4.95 inactivity fee.

  • Purchases: No fees.

  • ATM withdrawals: $2 at ATMs in the Visa Plus Alliance network; additional operator fees may apply at out-of-network ATMs.

  • Reload methods: Direct deposit; bank account transfer; instant card-to-card transfer; mobile check deposit (with a third-party fee for instant processing); cash load at retailers with Visa ReadyLink, MoneyPak and Reload @ Register locations, such as Walgreens or Safeway (for a fee set by the retailer).

  • Other services: Online bill payments are free. For a fee, you can also create one-time secondary virtual cards (“CASH Cards”) with their own card numbers. These cards can protect your main account number during transactions. Movo can be used with Apple Pay, Google Pay and Samsung Pay.

  • Downsides: Free ways to reload the card, such as bank transfers, can take up to five business days; no free ATM network.

» Looking for a traditional spending account? Check out NerdWallet’s best free checking accounts.

Fifth Third Access 360° Reloadable Prepaid Card

Best for ATM withdrawals

Fifth Third Access 360° Reloadable Prepaid Card
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into robert f kennedy jr cousins multiple data points for each financial product and service.

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Fifth Third’s Access 360° prepaid debit card takes part in Allpoint’s massive U.S. network and has access to over 50,000 ATMs. This card is available in the 11 states where there are Fifth Third branches, which is the only place you can get the card.

  • General fees and features: $4 monthly fee that’s waived if you have $500 or more in deposits monthly or a Fifth Third checking account; no costs for activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! ATMs inside Publix stores and at 7-Eleven ATMs listed on the bank's website or mobile app; $2.75 fee at other ATMs, plus any ATM operator fees.

  • Reload methods: Direct deposit, bank transfer, cash load at Fifth Third branch or ATM.

  • Other services: Card can have joint owners.

  • Downsides: There’s no access to a nationwide retail network for adding cash; the card’s dare county nc real estate available in every state; and the card doesn’t have a separate savings feature.

FamZoo Prepaid Card

best for PARENTS

Prepaid Debit Card

FamZoo is a family-friendly prepaid Mastercard that lets parents become virtual bankers for their kids, even those younger than 13. Four cards can be part of one monthly plan, but more can be added for a one-time $3 fee per card. From the website or app, you can send allowances, split payments, see balances and activity across all cards and set up text and email alerts.

  • General fees and features: You can prepay $59.99 for two years of FamZoo — that works out to $2.50 per month. Other prepayment plans also offer a discount. The fee is $5.99 for a monthly subscription; no costs for activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: No charge from FamZoo, but ATM operator fees can apply.

  • Reload methods: Direct deposit; bank transfer; PayPal transfer; PopMoney transfer (for a fee); add cash at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register, MoneyPak and Mastercard rePower networks (up to $6 retail fee).

  • Other services: Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools.

  • Downsides: Not part of any ATM network; maximum monthly fee is higher than average; no mobile check deposit feature.

Greenlight Prepaid Mastercard

best for PARENTS

Greenlight®

Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. Parents can preapprove where their kids spend money, so $300 earmarked for school supplies can only be spent at a campus bookstore, for example. The prepaid card also offers real-time activity alerts, free card-to-card transfers for allowances and the ability to remotely lock where is a usaa bank near me cards.

A Greenlight account can have up to five subaccounts, so it works for a family. Given low purchase and withdrawal limits, it’s best as a family budgeting tool instead of a bank account replacement.

  • General fees and features: $4.99 to $9.98 per month, depending on selected plan (more expensive plans include features like investing education and identity theft protection); no costs for activation, inactivity or account closure.

  • Purchases: No fees.

  • ATM withdrawals: No fees from Greenlight, but ATM operator fees may apply.

  • Reload methods: Direct deposit, debit card transfer, bank transfer.

  • Other services: Up to 5 subaccounts, no international ATM withdrawal fee.

  • Downsides: No checks or cash can be deposited; the daily purchase maximum per family account is $1,000 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards.

Walmart MoneyCard

BEST FOR SHOPPING AT Credit one bank mail payment alt="MoneyCard® Reloadable Prepaid Card" src="https://www.nerdwallet.com/cdn-cgi/image/quality=85/cdn/banking/transfers/walmart.png">

The Walmart MoneyCard offers its shoppers up to $75 per year in cash-back rewards: 3% for purchases made at Walmart.com and in the Walmart app, 2% at Walmart fuel stations and 1% at Walmart stores. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals.

This prepaid, reloadable card is family-friendly. You can order an account for free for up to four additional people who are at least 13 years old. The Walmart MoneyCard offers a free “Vault” savings feature. Savings will earn 2% APY on up to $1,000 on the card enrollment anniversary.

Because it’s not part of an ATM network, you’ll pay $2.50 for ATM withdrawals in addition to any operator fees.

  • General fees and features: $5.94 monthly fee waived with a monthly deposit of at least $1,000; $1 starter card purchase fee if purchased in store; no inactivity fees.

  • ATM withdrawals: $2.50 fee, plus any operator fees.

  • Reload methods: Free from your existing bank account; free to add cash via the Walmart MoneyCard app at Walmart stores; free mobile check deposit; free to add funds from checks cashed at Walmart stores; otherwise, $3 to reload cash at a Walmart store; up to $5.95 to reload elsewhere.

  • Other services: Up to four free additional accounts; savings account with 2% APY for first $1,000, and chances to win monthly cash prizes; option to lock and unlock your card via the app; text and email alerts.

  • Downsides: Fee to use ATMs; limited methods for reloading funds.

Earn more with the best savings accounts

Find out which accounts pay more and help you build your savings faster.

Low-fee alternatives to prepaid cards

The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services.

Mobile-optimized banking accounts fit in this middle ground — like most prepaid debit cards, many have no credit check; unlike prepaid cards, many are linked to a bank account.

Chime

TOP ALTERNATIVE TO PREPAID

Chime Spending Account
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Chime isn’t a prepaid debit card or a traditional bank account but a free “spending account” in the Visa payment network. This account has many of the same functions as a checking account, but it doesn’t come with paper checks. Through the app, though, you can request that checks be mailed to a recipient, even yourself, for free.

You can also open a linked Chime savings account and set up automatic transfers.

  • General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. Cash withdrawal and third-party fees may apply.

  • Purchases: No additional charge.

  • ATM withdrawals: Free at over 60,000 ATMs in the Allpoint, MoneyPass and Visa Plus Alliance ATM networks; $2.50 at other ATMs, plus any ATM operator fee. Cash withdrawal and third-party fees may apply.

  • Deposit methods: Free through direct deposit, bank transfer visa prepaid debit card pin number mobile check deposit; add cash at retailers in the Reload @ the Register network (up to $5 retailer fee).

  • Other services: Optional savings account. Chime has two automatic savings programs: one where a percentage of every paycheck automatically goes into the savings account and the other where your purchases are rounded up to the nearest dollar and the rounded-up change goes to savings (see below for more information from Chime). You can also receive instant transaction alerts and lock your debit card if you lose it. Note that a Chime Spending Account is required to open a savings account.

  • Downsides: The out-of-network ATM fee.

Chime says: "Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Spending Account into your savings account."

Best prepaid debit cards and alternatives: Summary

Bluebird by American Express

$2.50 to $4.33 if prepaid; $5.99 if billed

Fifth Third Access 360° Reloadable Prepaid Card

Greenlight Prepaid Mastercard

Источник: https://www.nerdwallet.com/article/banking/best-prepaid-debit-cards

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Chime Home

Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

Saving money is a no-brainer through Chime online banking. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home. 

  • Get fee-free overdraft with SpotMe. Eligibility requirements apply¹
  • Direct deposits arrive up to 2 days early²
  • Grow your savings, automatically
  • Access cash at 60,000+ fee-free ATMs³

Chime Debit CardDebit Cards 101

Chime Debit Card

How do I open a Chime Spending Account and get a Visa® Debit Card?

Opening a Chime Spending Account is free and it takes less than 2 minutes. Here’s how to apply online:

  • Visit chime.com and enter your personal info and complete the enrollment.
  • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at chime.com whenever you need it.

Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit card?

Chime does not require a credit check to open an account and receive a Chime debit card.

Does the Chime debit card have a chip?

Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

How many ATMs accept the Chime debit card?

You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Visa prepaid debit card pin number, CVS®, 7-Eleven®, and Target®.

Get ktb netbank transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. 

Where will my Chime debit card work?

Your Chime Visa Debit Card debit card works everywhere Visa debit cards are accepted.

What if my Chime debit card if lost, stolen, or misplaced?

If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

Does Chime offer prepaid debit cards?

Chime does not offer a prepaid debit card, however, Chime offers a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Debit Cards 101

What is a debit card?

A debit card is a card issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

What is the difference between a debit card & a prepaid card?

The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked visa prepaid debit card pin number account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers a full-featured deposit account and debit i was made for loving you acoustic guitar. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount are eggs everyday good for you $250,000 through our partner banks, The Bancorp Bank and Stride Bank, N.A., Members FDIC.

What is a chip card?

Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. 

Can you use a debit card for online purchases?

Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front or back of your card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four-digit number found on the back of the card.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license bank of america aba routing number florida Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for pnc smartaccess card login issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party walmart credit card payment number. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

© 2013-2021 Chime. All Rights Reserved.

Источник: https://www.chime.com/debit-card/

Visa prepaid debit card pin number -

TD Bank Visa® Gift Card

The perfect gift every time, for any occasion

The TD Bank Gift Card is easy and convenient to give. You choose the amount, they choose the gift. Gift cards can be used in person, over the phone, online or to make purchases through a smartphone1, anywhere Visa is accepted. And, lost or stolen gift cards can be replaced if previously registered.

  • No fee to purchase
  • Only available to TD Bank customers
  • Card amounts from $25–$750
  • Ready for gift giving

Get a gift card at any TD Bank.

Already have a gift card?

Sign in to…

  • Check your balance and view transaction history
  • Register your card
  • Update your profile and password
  • Change your PIN

Get – or manage – a TD Bank Visa Gift Card

Get a TD Gift Card

Manage your TD Gift Card

Register your card, check your balance and change your PIN anytime1

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Gift cards must be registered online* or by calling 1-888-294-22491-888-294-2249 to make transactions online, over the phone or through a smartphone.

Note: A monthly inactivity fee of $2.50 will be deducted from the card balance after 12 consecutive months of inactivity, even if the card has not been activated.

Terms and conditions

*By clicking on this link you are leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third party website before you provide personal or confidential information.

1Gift cards must be registered online* or by calling 1-888-294-22491-888-294-2249 to make transactions online, over the phone or through a smartphone.

Note: A monthly inactivity fee of $2.50 will be deducted from the card balance after 12 consecutive months of inactivity, even if the card has not been activated.

Terms and conditions

back to topTop
Источник: https://www.td.com/us/en/personal-banking/prepaid-cards/gift-card/

6 Best Prepaid Debit Cards

  • Bluebird by American Express: Cheapest.

  • Movo Virtual Prepaid Visa: Cheapest.

  • Fifth Third Access 360° Reloadable Prepaid Card: Best for ATM withdrawals.

  • FamZoo Prepaid Card: Best for parents.

  • Greenlight Prepaid Mastercard: Best for parents.

  • Walmart MoneyCard: Best for shopping at Walmart.

  • Chime: Best cheap prepaid alternative.

What are prepaid debit cards?

A prepaid debit card can serve as a budgeting tool or an all-out replacement for a bank account — and the best prepaid cards offer convenience while charging few fees.

Prepaid cards are easy to get. There’s no credit check, and they’re often available even if you can’t get a bank account because of a bad banking history. Unlike with a credit card, you load funds onto prepaid cards before use.

Some companies also offer mobile-optimized banking accounts that don’t require a squeaky-clean banking or credit history — and they often cost less than prepaid cards. Skip ahead to read about these low-fee alternatives.

Prepaid debit cards vs. regular debit cards

You don’t need a bank account to get a prepaid debit card, but it’s a requirement for a regular debit card, which is linked to your checking account. For prepaid debit cards, you load the card with money when you get it, then use it to make purchases. For regular debit cards, the funds for your payments are taken directly from your checking account as you make payments.

» More from NerdWallet:What is a debit card?

Nerdy tip: If you need to build credit or have been denied a bank account, a prepaid debit card might not be the best option: Secured credit cards help build credit, and if you can't get a regular checking account, try second chance checking. These accounts provide another shot at mainstream banking and its perks.

Why trust NerdWallet: Our writers and editors follow strict editorial guidelines to make sure our coverage is fair and accurate, so you can choose the financial accounts that work best for you. See our criteria for evaluating banks and credit unions.

Here are our top prepaid debit cards based on fees and features. Scroll down for more detail on each account.

Bluebird
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Read review

Bluebird by American Express

  • No monthly fees

  • Free ATM network

  • Great budgeting features

Movo® Prepaid Visa® Card

Movo Virtual Prepaid Visa Card

  • No monthly fees

  • Instant transfers between cards

Fifth Third Access 360° Reloadable Prepaid Card
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Read review

Fifth Third Access 360° Reloadable Prepaid Card

  • One of the biggest free ATM networks among prepaid cards

  • $4 monthly fee that's easy to waive

Prepaid Debit Card

FamZoo

  • Multiple subaccounts for kids

  • Costs $2.50-$5.99 per month

Greenlight®

Greenlight

  • Subaccounts for kids

  • Store-specific spending controls

  • Monthly fee from $4.99

BEST FOR SHOPPING AT WALMART

MoneyCard® Reloadable Prepaid Card

Walmart MoneyCard

  • 3% cash back at Walmart.com and in the Walmart app and other cash back rewards

  • Multiple subaccounts for family members

  • 2% APY on up to $1,000 in savings account

BEST ALTERNATIVES TO PREPAID

Chime Spending Account
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Chime

  • No monthly fees

  • Has a savings component

Bluebird by American Express

Cheapest

Bluebird
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Read review

Bluebird, issued by American Express and in partnership with Walmart, offers more than the average prepaid debit card, and you can load and spend money without paying fees.

But Bluebird does have limits when it comes to merchant acceptance, and it doesn’t allow cash back at retailers.

  • General fees and features: No monthly fees and no costs for online activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: Free at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee.

  • Reload methods: Direct deposit, debit card transfer, card-to-card transfer, mobile check deposit (with a third-party fee for instant processing), cash load at Walmart or other stores. (Retailers other than Walmart may charge up to $3.95.)

  • Other features: Check writing, separate “set-aside” accounts for savings and up to four subaccounts for family members.

  • Downsides: No cash back at retailers. The card is issued by American Express, which isn’t accepted everywhere that Visa and Mastercard are.

» Learn more abouthow prepaid debit cards work

Movo Virtual Prepaid Visa Card

cheapest

Movo® Prepaid Visa® Card

Most prepaid debit cards either charge you each month or each time you make a purchase, but the Movo Virtual Prepaid Card does neither. The exception is if you go more than three months without activity; then a $4.95 inactivity fee is charged per month until there’s activity. A “virtual” element lets you buy things online, and you can request a physical card for in-person purchases, ATM withdrawals and cash back at retailers.

  • General fees and features: No monthly fees and no costs for activation; $4.95 inactivity fee.

  • Purchases: No fees.

  • ATM withdrawals: $2 at ATMs in the Visa Plus Alliance network; additional operator fees may apply at out-of-network ATMs.

  • Reload methods: Direct deposit; bank account transfer; instant card-to-card transfer; mobile check deposit (with a third-party fee for instant processing); cash load at retailers with Visa ReadyLink, MoneyPak and Reload @ Register locations, such as Walgreens or Safeway (for a fee set by the retailer).

  • Other services: Online bill payments are free. For a fee, you can also create one-time secondary virtual cards (“CASH Cards”) with their own card numbers. These cards can protect your main account number during transactions. Movo can be used with Apple Pay, Google Pay and Samsung Pay.

  • Downsides: Free ways to reload the card, such as bank transfers, can take up to five business days; no free ATM network.

» Looking for a traditional spending account? Check out NerdWallet’s best free checking accounts.

Fifth Third Access 360° Reloadable Prepaid Card

Best for ATM withdrawals

Fifth Third Access 360° Reloadable Prepaid Card
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Read review

Fifth Third’s Access 360° prepaid debit card takes part in Allpoint’s massive U.S. network and has access to over 50,000 ATMs. This card is available in the 11 states where there are Fifth Third branches, which is the only place you can get the card.

  • General fees and features: $4 monthly fee that’s waived if you have $500 or more in deposits monthly or a Fifth Third checking account; no costs for activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! ATMs inside Publix stores and at 7-Eleven ATMs listed on the bank's website or mobile app; $2.75 fee at other ATMs, plus any ATM operator fees.

  • Reload methods: Direct deposit, bank transfer, cash load at Fifth Third branch or ATM.

  • Other services: Card can have joint owners.

  • Downsides: There’s no access to a nationwide retail network for adding cash; the card’s not available in every state; and the card doesn’t have a separate savings feature.

FamZoo Prepaid Card

best for PARENTS

Prepaid Debit Card

FamZoo is a family-friendly prepaid Mastercard that lets parents become virtual bankers for their kids, even those younger than 13. Four cards can be part of one monthly plan, but more can be added for a one-time $3 fee per card. From the website or app, you can send allowances, split payments, see balances and activity across all cards and set up text and email alerts.

  • General fees and features: You can prepay $59.99 for two years of FamZoo — that works out to $2.50 per month. Other prepayment plans also offer a discount. The fee is $5.99 for a monthly subscription; no costs for activation or inactivity.

  • Purchases: No fees.

  • ATM withdrawals: No charge from FamZoo, but ATM operator fees can apply.

  • Reload methods: Direct deposit; bank transfer; PayPal transfer; PopMoney transfer (for a fee); add cash at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register, MoneyPak and Mastercard rePower networks (up to $6 retail fee).

  • Other services: Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools.

  • Downsides: Not part of any ATM network; maximum monthly fee is higher than average; no mobile check deposit feature.

Greenlight Prepaid Mastercard

best for PARENTS

Greenlight®

Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. Parents can preapprove where their kids spend money, so $300 earmarked for school supplies can only be spent at a campus bookstore, for example. The prepaid card also offers real-time activity alerts, free card-to-card transfers for allowances and the ability to remotely lock lost cards.

A Greenlight account can have up to five subaccounts, so it works for a family. Given low purchase and withdrawal limits, it’s best as a family budgeting tool instead of a bank account replacement.

  • General fees and features: $4.99 to $9.98 per month, depending on selected plan (more expensive plans include features like investing education and identity theft protection); no costs for activation, inactivity or account closure.

  • Purchases: No fees.

  • ATM withdrawals: No fees from Greenlight, but ATM operator fees may apply.

  • Reload methods: Direct deposit, debit card transfer, bank transfer.

  • Other services: Up to 5 subaccounts, no international ATM withdrawal fee.

  • Downsides: No checks or cash can be deposited; the daily purchase maximum per family account is $1,000 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards.

Walmart MoneyCard

BEST FOR SHOPPING AT WALMART

MoneyCard® Reloadable Prepaid Card

The Walmart MoneyCard offers its shoppers up to $75 per year in cash-back rewards: 3% for purchases made at Walmart.com and in the Walmart app, 2% at Walmart fuel stations and 1% at Walmart stores. The app, which gets decent ratings, is required to get fee-free cash reloads at Walmart stores. Walmart MoneyCenters and Customer Service desks also offer fee-free cash withdrawals.

This prepaid, reloadable card is family-friendly. You can order an account for free for up to four additional people who are at least 13 years old. The Walmart MoneyCard offers a free “Vault” savings feature. Savings will earn 2% APY on up to $1,000 on the card enrollment anniversary.

Because it’s not part of an ATM network, you’ll pay $2.50 for ATM withdrawals in addition to any operator fees.

  • General fees and features: $5.94 monthly fee waived with a monthly deposit of at least $1,000; $1 starter card purchase fee if purchased in store; no inactivity fees.

  • ATM withdrawals: $2.50 fee, plus any operator fees.

  • Reload methods: Free from your existing bank account; free to add cash via the Walmart MoneyCard app at Walmart stores; free mobile check deposit; free to add funds from checks cashed at Walmart stores; otherwise, $3 to reload cash at a Walmart store; up to $5.95 to reload elsewhere.

  • Other services: Up to four free additional accounts; savings account with 2% APY for first $1,000, and chances to win monthly cash prizes; option to lock and unlock your card via the app; text and email alerts.

  • Downsides: Fee to use ATMs; limited methods for reloading funds.

Earn more with the best savings accounts

Find out which accounts pay more and help you build your savings faster.

Low-fee alternatives to prepaid cards

The difference between prepaid debit cards and checking accounts is starting to blur, as many have similar features and services.

Mobile-optimized banking accounts fit in this middle ground — like most prepaid debit cards, many have no credit check; unlike prepaid cards, many are linked to a bank account.

Chime

TOP ALTERNATIVE TO PREPAID

Chime Spending Account
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service.

Chime isn’t a prepaid debit card or a traditional bank account but a free “spending account” in the Visa payment network. This account has many of the same functions as a checking account, but it doesn’t come with paper checks. Through the app, though, you can request that checks be mailed to a recipient, even yourself, for free.

You can also open a linked Chime savings account and set up automatic transfers.

  • General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. Cash withdrawal and third-party fees may apply.

  • Purchases: No additional charge.

  • ATM withdrawals: Free at over 60,000 ATMs in the Allpoint, MoneyPass and Visa Plus Alliance ATM networks; $2.50 at other ATMs, plus any ATM operator fee. Cash withdrawal and third-party fees may apply.

  • Deposit methods: Free through direct deposit, bank transfer and mobile check deposit; add cash at retailers in the Reload @ the Register network (up to $5 retailer fee).

  • Other services: Optional savings account. Chime has two automatic savings programs: one where a percentage of every paycheck automatically goes into the savings account and the other where your purchases are rounded up to the nearest dollar and the rounded-up change goes to savings (see below for more information from Chime). You can also receive instant transaction alerts and lock your debit card if you lose it. Note that a Chime Spending Account is required to open a savings account.

  • Downsides: The out-of-network ATM fee.

Chime says: "Round Ups automatically round up debit card purchases to the nearest dollar and transfers the round up from your Chime Spending Account to into your savings account. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Spending Account into your savings account."

Best prepaid debit cards and alternatives: Summary

Bluebird by American Express

$2.50 to $4.33 if prepaid; $5.99 if billed

Fifth Third Access 360° Reloadable Prepaid Card

Greenlight Prepaid Mastercard

Источник: https://www.nerdwallet.com/article/banking/best-prepaid-debit-cards

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC

Chime Home

Our debit card works everywhere Visa debit cards are accepted. And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements. Out-of-network cash withdrawal fees apply.

Saving money is a no-brainer through Chime online banking. Every time you swipe your debit card, we round up to the nearest dollar and transfer the round-up from your Spending Account straight into your Savings Account. A magical, little way to make your money grow over time.

Avoid out of network ATM fees. With Chime, you get access to 60,000+ fee-free ATMs—more than the top 3 national banks combined! Find them at stores you love, like Walgreens®, CVS®, and 7-Eleven®. You can also use the map in your Chime app to find the closest fee-free ATM near you.

Can’t find your Chime debit card? No worries. You can instantly disable transactions in the app. No need to call us or explain yourself. And if you need a replacement card, just let us know. Debit card replacement is always free!

We support mobile payment platforms including Apple Pay™ and Google Pay™. Combining your Chime debit card with mobile pay means you can leave your wallet at home. 

  • Get fee-free overdraft with SpotMe. Eligibility requirements apply¹
  • Direct deposits arrive up to 2 days early²
  • Grow your savings, automatically
  • Access cash at 60,000+ fee-free ATMs³

Chime Debit CardDebit Cards 101

Chime Debit Card

How do I open a Chime Spending Account and get a Visa® Debit Card?

Opening a Chime Spending Account is free and it takes less than 2 minutes. Here’s how to apply online:

  • Visit chime.com and enter your personal info and complete the enrollment.
  • Once enrollment is completed, we’ll send a Chime Visa® Debit Card in the mail to the address you provided. Your new debit card typically arrives in 7-10 business days.

Download our mobile banking app, and log in. You can connect your existing bank account to transfer funds or set up direct deposit to your Spending Account. You can also login to online banking at chime.com whenever you need it.

Do I need a credit check to apply for a Chime Spending Account or to get a Chime debit card?

Chime does not require a credit check to open an account and receive a Chime debit card.

Does the Chime debit card have a chip?

Your Chime Visa Debit Card comes equipped with the latest EMV chip technology to make your debit card more secure.

How many ATMs accept the Chime debit card?

You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, and Target®.

Get fee-free transactions at any Moneypass ATM in a 7-Eleven location and at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply. 

Where will my Chime debit card work?

Your Chime Visa Debit Card debit card works everywhere Visa debit cards are accepted.

What if my Chime debit card if lost, stolen, or misplaced?

If you need a new debit card, tap the “Replace My Card” button in the Card Settings of your Chime app! You will be asked whether your card was Lost, Stolen, or Damaged. After confirming your address a replacement card will arrive within two weeks. Keep an eye out for a green envelope with a Salt Lake City, Utah return address!

Does Chime offer prepaid debit cards?

Chime does not offer a prepaid debit card, however, Chime offers a full-featured deposit account that is a great alternative to prepaid cards. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Deposits are FDIC insured to at least $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Debit Cards 101

What is a debit card?

A debit card is a card issued by a bank and is used to make in-person and online purchases. It’s linked to your checking account and withdraws money directly.

Every debit card comes with security and privacy features, including a unique ID number, security code, expiration date, magnetic strip, and often an embedded chip. Some debit cards also have a four-digit pin number that can be used when making purchases for added protection.

What is the difference between a debit card & a prepaid card?

The difference between a prepaid card and a debit card can be confusing. Prepaid cards let you spend the money that has been preloaded onto the card, while debit cards draw funds from a linked bank account. Both prepaid cards and debit cards may have limitations and often come with fees. Chime offers a full-featured deposit account and debit card. Your account can receive direct deposits and it supports pre-authorized withdrawals and interbank transfers through the Automated Clearing House (ACH) Network. Chime accounts are insured up to the standard maximum deposit insurance amount of $250,000 through our partner banks, The Bancorp Bank and Stride Bank, N.A., Members FDIC.

What is a chip card?

Chip cards come with an embedded metal microchip that encrypts customer information by using a one-time code during every purchase to complete the transaction. 

Can you use a debit card for online purchases?

Typically debit cards can be used for online purchases with any merchant that accepts the network name on your card.  When you make a purchase online with your debit card, you’ll need to provide the 16-digit card number that’s located on the front or back of your card, the expiration date, and your billing address. You’ll likely also be asked for a CCD, CVV or ‘security code,’ which is a three or four-digit number found on the back of the card.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

1 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See Terms and Conditions.

2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

3 Get fee-free transactions at any MoneyPass ATM in a 7-Eleven location or at any Allpoint or Visa Plus Alliance ATM. Otherwise, out-of-network ATM withdrawal fees may apply.

© 2013-2021 Chime. All Rights Reserved.

Источник: https://www.chime.com/debit-card/

Gift Cards

Do I need to do anything before using the card, or is it ready to go?

Be sure to activate the card before attempting to use it. To activate, call the Automated Customer Service toll free at 800-418-3971 or go online at https://www.onlinecardaccess.com/vistibgift

How do I know what the card balance is?

You can obtain the balance online at  https://www.onlinecardaccess.com/vistibgift or by calling Automated Customer Service toll free at 800-418-3971.

How do I make purchases with the card?

The most cost effective way to use the card is by using it just like a Visa® credit card when making purchases. By utilizing the PIN or by a signature-based transaction you will avoid fees.

What if my balance isn't enough to cover the purchase, and I want to pay the difference with another method (cash, check, credit card, etc.)?

This is called a split sale or split payment. To successfully complete a split sale/payment you must know the card balance and you must advise the merchant that this is what you would like to do.

Can I use the card at an ATM?

  • Yes. You can get cash at ATM’s that display any of the following symbols: Pulse, NYCE, Star and Plus.
  • However, please note that all ATM’s charge fees. A fee of $1.25 also applies, in addition to any fee charged by the ATM owner (varies).
  • Select withdrawal from checking when using an ATM

Why did my Visa® gift card transaction get declined?

  • If the amount of an ATM withdrawal, including fees, exceeds the card balance the transaction will be declined.
  • The merchant was not notified that a split sale/purchase was desired.
  • The cardholder did not know the card balance on the VISA gift card.
  • If the cardholder address was not included on the enrollment form, online purchases cannot be made.
  • “Pay-at-the-Pump” transactions will NOT be approved.

Will the merchant know why my gift card has been declined?

When a purchase gets declined the merchant DOES NOT know the reason. ATM withdrawals are declined due to either choosing the option for credit card, or the balance on the card is insufficient to cover the desired amount plus the $1.25 fee associated with cash transactions AND the fee charged by the ATM owner.

Источник: https://www.sonorabank.com/personal/gift-cards

Visa Prepaid Cards FAQs

How does a Prepaid Card work?
It’s a reloadable prepaid Visa debit card, which means you can spend up to the value placed on the card anywhere Visa debit cards are accepted. You can shop in stores, online, over the phone, and by mail order. You can get cash at Visa/PLUS ATMs worldwide. Each time you make a purchase, the amount of that purchase is automatically deducted from the card.

How do I know the balance on my Prepaid card?
You can check your balance at our Web site, www.mydccu.com, by calling your local branch, or by calling customer support at 800-245-8085. Since a merchant may not be able to tell how much money is on the card, keeping track of your balance is a sure way to know how much you have to spend.

Where can my Prepaid Card be used?
Your card can be used to make purchases at millions of Visa debit locations worldwide and to obtain cash at any Visa Interlink, or Plus® ATM worldwide.

Is there transaction or reload limits?
Purchase transactions are unlimited, up to the balance remaining on your card. However, for the protection of our cardholders, there are limits to the number and dollar amount of reloads, ATM withdrawals, and cash advances performed within a certain time period. To learn more about the current limits, please reference your terms and conditions.

Who can order or use the card?
Our Visa Prepaid Card can be purchased online by anyone that has a valid DuPont Community Credit Union debit or credit card registered in his or her name. The individual purchasing the card is defined as the primary cardholder. The address listed for the primary cardholder must match the billing address for the debit/credit card used to purchase the Prepaid Card. Personalized primary cardholders can order online up to three personalized secondary cards for family members or companions. When purchasing a secondary card for a young person with no card experience, be sure to go over all of the materials that accompany the card.
Non-personalized and personalized cards may be purchased by any DCCU member at any branch location.

Can I purchase a Visa Prepaid Card as a gift?
No, Visa Prepaid Cards cannot be given as a gift. You purchase the Visa Prepaid Card for your own personal use.

How do I get a Prepaid Card?
You can order personalized Prepaid Cards directly at this site, or purchase non-personalized Prepaid Cards at your local branch.

Does the cardholder need to sign an agreement?
Each card is distributed with Terms & Conditions. This document fully explains the terms and conditions regarding the use of the card. This document can also be viewed online. The cardholder accepts the terms and conditions by either signing the back of the card, using the card, or receiving the card by request.

How do I activate my Prepaid Card and obtain my PIN?
Non-personalized cards are activated at the time of purchase. Personalized cards can be activated by logging into this site and clicking on the Activate Card button, or, by calling the customer support number listed on the back of your card. Over the phone, an assigned PIN will be automatically spoken after your card is activated and you’ll be given the opportunity to select a new PIN if you choose.

What happens if I need to return an item?
Each merchant location has its own return policies and will handle the returns in the same manner as any other Visa transaction and may take up to 7 business days to be credited to your Prepaid Card. They may credit your Prepaid Card; provide a cash refund, or a store credit.

What if the purchase is denied?
If a decline occurs, the card’s available balance is probably less than the purchase amount. You may inform the merchant of the remaining balance on the card and use another form of payment to pay the difference, subject to the policy of the merchant. Also, please be aware that some merchants – for example, restaurants, car rental agencies, salons, mail-order companies, and cruise lines – preauthorize for an amount slightly higher than your actual transaction to ensure sufficient funds for tips or incidental expenses. This amount is “held” until the transaction settles to your Prepaid Card. Only the amount you sign for will ultimately be deducted from your card. Use of the card at automated fuel dispensers requires a minimum balance of $25. Again, only the actual amount spent will ultimately be deducted from the card.

Can I reload the Prepaid Card?
Yes, the card can be loaded unlimited times for Personalized and Non-Personalized Prepaid cards. To reload using the credit or debit card registered during enrollment, primary cardholders can visit the website, call the number listed on the back of their card, or visit your local branch. Any applicable fee for reloading via the website or by phone will be charged to your funding source, along with the value being added to your card.

Why might my initial load or reload be declined?
Possible reasons your initial load or reload might be declined are: the name/address on file with the debit/credit card issuer does not match the primary cardholder profile on the Visa Prepaid Card website, the debit/credit card expiration date or the 3 digit code listed on the website is incorrect. First, verify your funding source information. If this does not resolve the issue, call the toll free number on the back of your card to discuss other limits that may have been exceeded.

Can the card ever have a negative balance?
Any authorization request that is greater than the card’s available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount.

How do I find an ATM when I travel – especially overseas?
Visit our website at www.mydccu.com or use the ATM locator found at www.visa.com for participating Visa ATMs both domestic and abroad.

What is the exchange rate when I get to another country?
The exchange rate is determined by the rate of exchange on the date of purchase. Using your Prepaid Card at an ATM can be less expensive than using a currency exchange to get foreign currency.

When I travel, are my receipts in U.S. dollars or the local currency?
Your receipt will reflect the local currency. It is always good to plan ahead and have a general idea of what the local exchange rates are before you travel. This helps you to understand what goods and services are actually costing you.

What happens if my Visa Prepaid Card is lost or stolen?
We provide 24-hour toll-free support. Immediately report any problems or a lost or stolen card by calling 800-245-8085. A replacement card can be issued and any available balance transferred to a new card, less applicable fees that will be deducted from the card’s available balance. Replacement cards are generally received in 7-10 business days. Emergency card replacement can also be requested with guaranteed delivery within the next business day, or sooner in some cases. See the Terms & Conditions for fees that apply to lost or stolen cards and emergency card replacement. As long as the lost or stolen card is reported immediately, you will not be responsible for any unauthorized merchant charges. If traveling internationally or far from home, a secondary card should be considered. That way, if the primary card is lost or stolen, the secondary card can immediately be used to access the funds without having to wait for a replacement card.

Источник: https://www.mydccu.com/banking/prepaid-cards-faqs
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