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Monthly maintenance fee
Heather Petty[email protected]
Heather Petty is a personal finance writer at Finder specializing in home loans, banking and insurance. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing has been featured on MSN, Credit.com and MediaFeed.org, among others. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She holds a bachelor’s degree in English with a minor in journalism from the University of Nevada, Reno.
The Walmart MoneyCard prepaid debit card is best for Walmart regulars who can earn cashback rewards on the shopping they already do. You can create short-term savings goals and add your family to the account.
But you’ll want to reconsider if you have a history of missing monthly maintenance payments. To earn rewards, your account must remain in good standing by paying the fee. To avoid it, you’ll need to deposit at least $1,000 every month to your account.
How do I open a Walmart MoneyCard account?
You can purchase a prepaid starter card from Walmart and follow the directions to register for an account and permanent card, or you can sign up online. Sign up online in five simple steps:
- Go to the provider’s site and follow the steps to apply.
- From the Walmart MoneyCard home page, click Sign Up Now.
- Select whether you want a Visa or Mastercard, enter your personal information and click to accept the account policies. Click Continue.
- Review the fee schedule and click Get My Card.
- Verify your mobile number with the security code texted to you. Click Submit.
- Follow the directions to create your pin and link an account to fund your card.
EligibilityWalmart MoneyCard prepaid debit cards aren’t available in Vermont, but for all other states, you must meet the following requirements to have a Walmart MoneyCard account:
- At least 18 years old (or 19, depending on the state where you live)
- At least 13 years old to join a family account
- US citizen or resident
- Valid Social Security number
Have the following information on hand before you register your account:
- Social Security number
- Date of birth
- Residential address
- Email address
In addition to a mobile app that comes with personal financial management tools, Walmart MoneyCard offers the following benefits:
- Family account. You can have up to four family accounts, and the main account holder can set controls, such as spending limits.
- Early access to your paycheck. If you sign can you get benefits for anxiety for direct deposit, you’ll have access to your paycheck up to two days early and your federal benefits up to four days early.
- Short-term savings. Use the MoneyCard Vault savings feature to set aside money for short-term goals.
While the card has its perks, it’s not without its disadvantages:
- Monthly deposits to avoid fees. You’ll need to deposit $1,000 a month into your account to waive the $5 monthly fee.
- Rewards depend on good standing. For cashback rewards, you must remain in good standing for 12 months by paying your monthly fees or maintaining a positive balance to avoid it.
- High reloading fees. Pay a $3 to $5.95 fee for reloading your card. You can avoid the fee by adding money to your account through the mobile app.
- High fees on ATM transactions. You’ll pay $2.50 to withdraw cash at an ATM and $0.50 for a balance inquiry in addition to any ATM operator fees you may incur.
- Low customer ratings. As of October 2020, Green Dot Corporation, the MoneyCard issuer, has a 1 out of 5-star customer rating on the Better Business Bureau based on 573 customer reviews with complaints of frozen accounts during disputes and unauthorized charges.
If you want a prepaid card with no ATM fees, you’ll want to keep looking. As always, compare your options when considering a prepaid card.
Compare with other prepaid/debit cards
Use the following methods to fund your prepaid card:
- Mobile check deposit
- Direct deposit
- Cash or debit deposit at Walmart Hancock bank 401k login Centers
- Linked bank account transfer
- Paper check cashed at Walmart and deposited to the card
How long will it take to get my card?
You can pick up a temporary Walmart MoneyCard from Walmart for $1 and start using it that same day. If you apply online for the card, you should receive it within seven to 10 days.
I got the card. Now what?
Once you’ve loaded your funds, take advantage of the following:
- Avoid fees. Deposit at least $1,000 into your account every month to avoid the monthly fee and use Walmart Money Centers to withdraw money instead of using an ATM.
- Shop at Walmart for rewards. Earn up to $75 annually with 3% cashback from Walmart online purchases, 2% at Walmart gas stations and wyoming com speed test on in-store purchases.
- Set up direct deposit. Enroll in direct deposit from your work and for federal refunds and benefits, and access your money two days earlier than usual.
- Get help when you need it. Contact customer support 24/7 by phone or through the mobile app’s live chat function.
Frequently asked questions
Call the number on the back of your card or go to walmartmoneycard.com to close your account.
No. The money you save in your MoneyCard vault is interest-free. But by keeping money in the vault, you’ll automatically enter into monthly drawings for cash prizes.
Yes. You can buy a pack of 12 checks for $5.95.
This offer is no longer available.
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CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.
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Can the Walmart MoneyCard Act as a Checking Account?
Whereas a savings account is an ideal place to earn interest and hold cash for long-term and short-term goals, a checking account comes in handy for bills and everyday expenses.
However, this american heritage credit union customer service number the only option for paying bills.
The Walmart MoneyCard is also useful for managing money, yet you might wonder whether this card can be used the same as a checking account.
The short answer is yes. But before you run out and get a Walmart MoneyCard, here’s what you need to know.
What is the Walmart MoneyCard?
To put it plainly:
A Walmart MoneyCard is a reloadable prepaid card.
This is different from a bank debit card because it’s not linked to a bank account.
Even so, the Walmart MoneyCard is backed by a major bank — Green Dot Bank — so it offers many features of a checking account.
No overdrafts allowed
A huge benefit of a Walmart MoneyCard is that you don’t have to worry about overdraft fees.
This is because you’re only allowed to spend what you load onto the card. In addition, there’s no credit check because it isn’t a credit card.
With that being said, anyone can get a Walmart MoneyCard despite their credit history.
The card does feature a Visa or MasterCard logo, however, so you can pull it out wherever these cards are accepted and enjoy the benefits of a credit card.
What You Get With the Walmart MoneyCard
The above features of the Walmart MoneyCard only scratch the surface.
For the most part, this card is designed to help you easily manage your finances.
Therefore, you’ll enjoy the following additional benefits:
1. Get an account number and a routing number
Even though the Walmart MoneyCard isn’t a traditional checking account, it does come with a routing number and an account number. This is similar to a checking account with a bank.
This feature is convenient when using your Walmart MoneyCard for an online purchase or when paying bills online.
Some bill payment systems will ask for an account number and routing number when setting up a one-time or recurrent payment. Provide this information and you’re good to go.
Use the card to pay your rent, mortgage, car payment, credit card bills, and utilities.
2. Easy access to cash
You may have concerns about the accessibility of funds loaded on the card.
Another attractive feature of the Walmart MoneyCard is that you can access your money anytime by using an ATM. This is regardless of your location.
Just know that there’s a $2.50 ATM withdrawal fee per transaction.
Likewise, there’s a $2.50 teller cash withdrawal fee per transaction. You can, however, avoid ATM fees by withdrawing cash at a Walmart MoneyCenter.
There’s also the ability to get balance information at ATMs for $0.50.
3. Earn up to 3% in cash back rewards
A unique feature of the Walmart MoneyCard is that you can earn cash back on everyday purchases. This is similar to rewards programs offered by many credit cards.
The more you shop, the more cash you can earn.
- 3% cash back at Walmart.com
- 2% cash back at Murphy USA and Walmart fuel stations
- 1% cash back at Walmart stores
The downside is that you can only earn up to $75 in cash back rewards each year.
Rewards are redeemable at Walmart.com and through the mobile app.
4. Track your account through the mobile app
Similar to a traditional checking account with a bank, there’s the option to download the Walmart MoneyCard mobile app.
From walmart prepaid card services, manage your reloadable prepaid Visa or MasterCard.
You can check your MoneyCard balance, review your account history, set up bill pay, review your cash back reward balance, order paper checks, and even deposit your paychecks with the app.
The latter is a must-have if your employer doesn’t offer direct deposit.
5. Multiple ways to fund your account
Keep in mind that when you get a Walmart MoneyCard, there are different ways to load money onto your card.
The most convenient way is to sign up for direct deposit, if an option.
Instead of receiving a paper check from your employer, funds are automatically deposited onto your prepaid card.
Direct deposit is a faster way walmart prepaid card services getting your paycheck. Some people receive their money up to two days earlier.
Other convenient options include visiting a Walmart MoneyCenter and putting cash on the card this way.
Additionally, you t mobile primary account holder reload your card at a Walmart register, through online bank transfer, or via another retailer.
During tax time, you can even have your tax refund direct deposited onto your MoneyCard.
What Fees Can You Expect With a Walmart MoneyCard?
Walmart MoneyCard reload fees vary depending on the chosen method.
There’s no fee if your employer offers direct deposit and you use this method to put cash on the card.
There’s also no fee if you reload the card in conjunction with using Walmart’s check cashing service. Similarly, you can initiate an online bank transfer for no fee.
Keep in mind:
You’ll pay up to $4.95 to reload the card at a retailer besides Walmart. Also, there’s a $3 fee to use Walmart Rapid Reload. With this method, you swipe your card at a register and then add cash to the card.
Monthly fee can be waived
Make sure you’re aware of other fees associated with this card to avoid surprises.
For example, there’s a monthly service charge of $5. You’ll avoid this fee if you load $1,000 or more in the previous month.
The replacement card fee is $3. This applies if the card is lost, stolen, or damaged.
Another benefit of the Walmart MoneyCard is the ability to use it abroad, due to the Visa or MasterCard logo. Even so, be prepared to pay a foreign transaction fee of 3%.
Take Advantage of Walmart’s MoneyCenter
Not only does Walmart offer a reloadable prepaid card that can function as a checking account and used to pay bills, it also offers a variety of other services through its MoneyCenter.
Moving money around
Use the center for money transfers, which offers a fast and affordable way to send money domestically and internationally.
There’s also the option to order personalized checks from the MoneyCenter. The ability to walmart prepaid card services a check comes in handy when you’re unable to use cash or your Harmony 1st phorm in a situation.
You can also use the MoneyCenter to pay a variety of bills for only $1 each. This includes your auto loan, mortgage/rent, child support, utilities, and more.
In addition, purchase money orders, cash checks, use Coinstar, and even utilize tax preparation services in stores.
To make it clear, these services aren’t included with the Walmart MoneyCard. Rather, these services are available through the retailer’s MoneyCenter for your convenience.
Using the Walmart MoneyCard as a Checking Account
The Walmart MoneyCard without a doubt bank of the west routing number iowa features that are similar to a checking account.
You can pay your bills online using a routing number and account number. And with the ability jose marti statue central park use your card at ATMs, your money is always accessible.
Plus, the app allows you to track your balance.
But at the end of the day, this isn’t a checking account. So there are some things that the MoneyCard can’t do.
For example, there’s no overdraft with a Walmart MoneyCard.
So while your bank may allow a transaction to go through if you don’t have sufficient funds in your checking account, this isn’t an option with the MoneyCard. The card will decline if you don’t have sufficient funds in your account for a purchase.
Also, using the MoneyCard can be more expensive.
While it’s true that many checking accounts charge a monthly fee, the cost to use the MoneyCard could exceed what some walmart prepaid card services charge. This depends on your reload method.
Let’s say you reload the card four times a month.
Yet, you don’t load enough onto the card to avoid the monthly fee. At $3 per reload with Walmart Rapid Reload, and a $5 monthly service charge, you’ll pay $17 a month just to have the card.
If you go to an Walmart prepaid card services twice a month, that’s an additional $5 in fees.
Therefore, you can easily spend $23 a month in fees with the MoneyCard.
On the other hand:
There are many checking accounts that don’t charge monthly fees, or have monthly fees under $10.
Final Verdict: Should You Get a Walmart MoneyCard?
The bottom line is that the Walmart MoneyCard can be an excellent alternative if you don’t have a checking account.
More so if you’re looking for a simple, convenient way to manage cash.
It offers features of a traditional checking account and a credit card, but without the credit check or overdraft fees. Just make sure you count the cost before getting the card.
Based on your projected frequency of reloads and ATM visits, estimate how much you’ll likely spend in monthly fees with this card, and then decide whether it makes sense from a financial standpoint.
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The PayPal App + Walmart
An easy way to move money.
1 The $3.00 promotion pricing is currently only available at Walmart stores nationwide. Not all services may be immediately available
2 The $3.00 cash load service fee applies at participating Walmart locations. This service fee applies to the PayPal mobile app to load or withdraw cash and is not a fee for using the PayPal Cash Mastercard. Keep your receipt. You’ll receive an email confirming your money was added or withdrawn from your PayPal account, as applicable. Each cash-in/cash-out code can be used only once and will expire within 1 hour homes for sale in damariscotta maine being created. You can add or withdraw any amount between $20.00 and $500.00 per transaction. For cash-in, load limits of $1,500.00 per day, $3,500.00 per week or $5,000 per month apply. For cash-out, withdrawal limits of $500.00 per day or $3,500.00 per month apply. The amount of cash you can load or withdraw may be affected by additional activity on your PayPal account between the time you generate the code and when you use it. Limits reset at the beginning of each calendar month.
3 A $0.50 ATM Domestic Withdrawal Fee applies at participating Walmart locations in the U.S. An ATM operator fee of $2.50 also applies for these locations. The fees listed here apply only to participating Walmart-branded ATMs in the U.S. Other bank branded ATMs may charge other fees. A $400.00 daily ATM withdrawal limit applies.
4 PayPal Balance account required to get the card.
Approval contingent on ID verification. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens walmart prepaid card services Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. Terms apply. See Cardholder Agreement for details.
The PayPal Cash Mastercard (“PayPal Cash Card”) is issued by The Bancorp Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The Bancorp Bank is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal. Card may be used everywhere Mastercard is accepted. The Bancorp Bank does not hold your PayPal Balance account funds.
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.
Google Play and the Google Play logo are trademarks of Google, LLC.
All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.
Editorial Note: Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when posted.
We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.
Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Of course, the offers on walmart prepaid card services platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
Prepaid cards are a type of card that let you access money you’ve loaded to the prepaid card account.
They may sometimes be called “prepaid credit cards” or “prepaid debit cards,” but unlike credit cards, prepaid cards don’t involve borrowing any money, which means there’s no credit check required. And unlike debit cards, prepaid cards aren’t linked to your bank accounts.
Instead, you load money directly to the prepaid card account. When you make purchases with the card, you use the money you loaded.
A prepaid card can be a good alternative to walmart prepaid card services card if you want to avoid the temptation of racking up debt. It can also provide the convenience of plastic if you don’t qualify for or have a checking account.
Here’s our take on the best prepaid cards of 2021, plus some alternatives to consider.Find a credit card that works for me Explore Cards Now
Best for no monthly fees: Bluebird® American Express® Prepaid Debit Account
Here’s why: A lot of prepaid cards charge various fees. But if you’re fee averse, you’re not totally out of options — the Bluebird® American Express® Prepaid Debit Account could be a solid choice for you.
It comes with the following:
- No monthly fee
- No activation fee
- No ATM withdrawal fee at MoneyPass ATMs ($2.50 fee at other ATMs, plus the ATM h and m shop near me fee, if any)
- No fee for cash and debit card reloads at Walmart (but up to $3.95 at other retailers)
You also have the option to load money onto your card for free via direct deposit or a mobile check deposit.
The only drawback to free mobile deposits is the 10-day waiting period. If you want your money sooner, you’ll have to pay 1% or 5% of the check amount, depending on the type of check, with a $5 minimum fee.
Best for high limits: MOVO® Digital Prepaid Visa® Card
Here’s why: The MOVO® Digital Prepaid Visa® Card has high limits: a $10,000 maximum balance on the card and a $5,500 per day withdrawal limit.
There are other limits — such as how much you can load on your card over a certain amount of time, regardless of how much you withdraw. So if you plan on moving a lot of money around, check out the card’s terms and conditions to get a sense of the full limits.
The MOVO® Digital Prepaid Visa® Card has …
- No monthly fee
- No activation fee, though a physical card will cost $5.95
- A $2 ATM fee for domestic withdrawals (plus a potential ATM operator’s fee)
- A $4.95 per month fee if your account stays inactive for 90 days
You can add money to your card for free via direct deposit or from your bank account. If you want to load cash, you can at participating retailers — but there may be a fee, and you’ll need to have a physical card.Find a credit card that works for me Explore Cards Now
Best for saving money: Mango Prepaid Mastercard®
Here’s why: While some other prepaid cards allow you to set aside money in a separate savings account, you’ll be hard-pressed to find a card that’ll reward you more for doing so than the Mango Prepaid Mastercard®.
Its savings account offers an annual percentage yield, or APY, of up to 6% on balances as high as $2,500. You’ll get a 0.10% APY on balances higher than that.
To qualify for the 6% APY, you’ll need to make at least $1,500 in “signature purchases” each month and have a balance of at least $25 in your savings account at the end of the month. “Signature” purchases are transactions in which you don’t use your PIN to authorize the sale.
But there are some fees to be aware of.
- There’s a $5 monthly fee, which the card issuer waives if you receive at least $800 in direct deposits each month.
- There’s no activation fee.
- There’s a $3 fee for domestic ATM withdrawals (plus any fee the ATM operator might charge).
- You may pay a fee to load cash onto the card, but it depends on how and where you load money onto the card.
Learn more about the Mango Prepaid Mastercard® in our editorial review.
Best for cash back rewards: American Express Serve Cash Back®
Here’s why: Rewards are one of the biggest features you’ll miss out on if you avoid credit cards. But with the American Express Serve® Cash Back, you’ll earn 1% cash back, which is applied to your account and can be used for future purchases, on every purchase you make.
While that doesn’t compete with the top cash back credit cards, it’s better than nothing.
Here are some of the fees the American Express Serve Cash Back® comes with.
- A monthly fee of $7.95, unless you live in New York, Texas or Vermont
- No activation fee
- No fee for withdrawals from MoneyPass ATMs (up to a $2.50 fee per transaction for out of network ATMs, as well as any fee the ATM operator may charge)
- Cash reload at retail locations can cost you up to $3.95, depending on the retailer
To learn more about the American Express Serve® Cash Back, read our editorial review of all three Serve® cards.
Alternatives to prepaid cards
Here are some alternatives to prepaid cards to consider.
Free checking account
If you’re looking at prepaid cards for your money management because of the fees that can come with bank accounts (like overdraft fees), you might be interested in a free checking account from a bank or credit union instead.
Secured credit card
Prepaid debit cards can’t assist you in building credit like a secured credit card can. Compare offers for secured credit cards on Credit Karma to learn more about your options — some secured cards don’t require credit checks or even bank accounts to apply. Keep in mind, however, that they do require a security deposit, so you’ll have to put money down to use this type of card.
How do I get a prepaid card?
Depending on which card you want, there are a few different ways you can apply.
- In-store — Some retailers, like Walmart, allow you to purchase and load money onto a new prepaid card.
- Online — Many prepaid cards allow you to apply through their websites.
- At a branch — Some banks, like Chase, offer prepaid cards that you can apply for at your local branch.
Do prepaid cards hurt your credit?
Prepaid cards don’t hurt your credit. Unlike credit cards, you aren’t borrowing any money from the card issuer — you’re accessing your own money that you’ve uploaded to the card account.
Because of this, prepaid cards don’t require a hard credit inquiry, which can have a slightly negative effect on your credit scores.
But prepaid cards also don’t have any positive effect on your credit. With a credit card that reports to the three major consumer credit bureaus, making payments on-time and in full and keeping your overall balance low can help you build credit history. Prepaid cards don’t report any of your activity walmart prepaid card services the bureaus, so they won’t help you build credit.
Are prepaid cards a bad idea?
Prepaid cards can make sense in certain situations — for example, if you don’t have a checking account or you just don’t want the temptation of using credit.
But there can be downsides to prepaid cards. One major downside? The relatively high fees just for holding, loading, or even withdrawing money from the card. And you won’t build credit by using a prepaid card. If you’ve already got a bank account, or think you might be interested in opening one, consider your alternatives instead.
How we picked these cards
The best prepaid cards are not only great budgeting tools, but they also provide a lot of other features and are relatively affordable. We considered several factors as we compiled our list, including fees, extra benefits, free reload options and ways to get money back.
We also wanted to highlight cards that go above and beyond the norm. The cards we chose have special features, like a high-rate savings account, compatibility with popular digital wallets or maybe a huge free ATM network.Find a credit card that works for me Explore Cards Now
About the author: Ben Luthi is a personal finance freelance writer and credit cards expert. He holds a bachelor’s degree in business management and finance from Brigham Young University. In addition to Credit Karma, you can find his wo… Read more.