The Best Prepaid Debit Cards Available Today

Here are the best Prepaid Debit Cards available at FreeDebitCardStore.com:

 

AccountNow® Gold Visa®
Prepaid Card

Prepaid Debit Card Not A Credit Card

Get paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days
earlier than payday.
100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
$0 Activation Fee. No Minimum Balance.
No Overdraft fees.
$15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
$10,000 balance limit. Your alternative to a traditional bank account. Deposits are FDIC insured.
Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay.
Shop online, rent a car, pay your rent and more.
Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to
your phone within seconds
BBB Accredited A+ Company.
Excellent Customer Service.

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AccountNow® Prepaid Visa® Card

Prepaid Debit Card Not A Credit Card

100% Approval Guaranteed (subject to I.D. Verification)
$0 Monthly Fee
No Minimum Balance
No Credit Check. No Overdraft Fee.
Free† Direct Deposit and Online Bill Payment
Use it everywhere Visa Debit Card accepted
Now with Purchase Rewards
Perfect for Occasional Usage

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AccountNow® Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

$0 Monthly Fee
No Credit Check or ChexSystems check
Instant Account Number
Free† Direct Deposit - paycheck, benefits, tax refunds
Easy 24/7 Online Account Access
Earn Purchase Rewards and Refer-a-Friend Cash Bonus
Use it Everywhere Mastercard Debit card accepted

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Pink ACE Elite™ Visa®
Prepaid Card 

Prepaid Debit Card Not A Credit Card

Official Sponsor of the National Breast Cancer Foundation (NBCF).
Since 2006, purchases from the ACE Elite Card have contributed to over $2 million towards NBCF's early detection screening program for those in need.
Get paid up to 2 days faster with free direct deposit of paychecks and government benefits*
Free Anytime Alerts™ - Get your balance and transactions via text or email*
Secure: Card funds are backed by Visa® Zero Liability*

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Prepaid Visa® Purple Diamond RushCard

Prepaid Debit Card Not A Credit Card

Enroll in Direct Deposit and get your pay up to
two days early. *Certain restrictions apply.
See card site for details.
Safer than carrying cash, use everywhere
Visa debit cards are accepted.
Choose from multiple fee plan options,
and switch for free.
Conveniently send money to family and friends
with card to card transfers.
Free 24/7 customer service. $0 Activation Fee
Refer-a-Friend Program

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Prepaid Visa® Pink Diamond RushCard

Prepaid Debit Card Not A Credit Card

Enroll in Direct Deposit and get your pay up to
two days early. *Certain restrictions apply.
See card site for details.
Choose from multiple fee plan options,
and switch for free.
Earn fee rebates for maintaining balance in
RushGoals program.
Transfer money to another RushCard member
for just $0.99.
Free 24/7 customer service. $0 Activation Fee
Refer-a-Friend Program

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Prepaid Visa® Black Diamond RushCard

Prepaid Debit Card Not A Credit Card

• Get your government benefits up to two days early
• with Direct Deposit. *Certain restrictions apply.
• See card site for details.
  Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
  Safer than carrying cash, use everywhere
• Visa debit cards are accepted.
  No overdraft fees.
  Conveniently send and receive money to and from family and friends with card to card transfers. $0 Activation Fee
• Refer-a-Friend Program
• Get Card

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Prepaid Visa® Baby Phat RushCard

Prepaid Debit Card Not A Credit Card

• Real time activity alerts via text, email, and mobile app. *Standard text messaging rates from
• your wireless provider apply.
• Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
• Free 24/7 customer service.
• Your Funds are FDIC-insured through The Bancorp Bank; Member FDIC.
• $0 Activation Fee
• Refer-a-Friend Program
• Get Card

_______________________________

KLS Prepaid Visa® RushCard

Prepaid Debit Card Not A Credit Card

• Get your government benefits up to two days early
• with Direct Deposit. *Certain restrictions apply.
• See card site for details.
  Stay connected - keep track of your money
• online and on your mobile.
  Your Funds are FDIC-insured through
• The Bancorp Bank; Member FDIC
  No overdraft fees
  Easy Online Bill Pay - pay bills, rent, or
• write personal checks.
• $0 Activation Fee
• Refer-a-Friend Program

Get Card
_______________________________

Prepaid Visa® Classic RushCard

Prepaid Debit Card Not A Credit Card

• Enroll in Direct Deposit and get your pay up to
• two days early. *Certain restrictions apply.
• See card site for details.
  Choose from multiple fee plan options,
• and switch for free.
  Transfer money to another RushCard member
• for just $0.99. No overdraft fees.
  Your money is covered by Visa Zero Liability protection. *Certain restrictions apply. See card site for details.
• $0 Activation Fee
• Refer-a-Friend Program

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_______________________________

PayPal™ Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

Real-time mobile alerts notify you of transactions and balances.
Free direct deposit - get your paycheck and
government benefits up to 2 days faster.
Instantly transfer money from your PayPal Account
to your PayPal Prepaid MasterCard®!
No credit check, overdraft fees or interest charges.
Get cash back rewards.
Safer than carrying cash - use it to pay for
everyday purchases.

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Control® Prepaid MasterCard®

Prepaid Debit Card Not A Credit Card

• Use Direct Deposit - get your paycheck or
  government benefits check up to 2 days faster
  Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more.
  Simple fee plan with no cost to order or
  activate a card and no overdraft fees
  Qualify for a $10 Purchase Cushion and $5/month fee plan
  after a Direct Deposit of $500 in one calendar month
  Earn Cash Back Rewards & Refer A Friend bonuses
  Free Bill Pay and online budget management tools
  Transfer money to other cardholders online
  or with your mobile phone
  Free Smartphone App - check your transactions, balance
  and find the closest reload location

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PEX Visa® Prepaid Card
For Business

Prepaid Debit Card Not A Credit Card

Instantly fund employee purchases.
Gain 24/7 control over where and how much
employees spend.
Save money - no surprise interest charges

or overdraft fees.
Free Trial Period - No Monthly Fee for at least
2 months after you enroll

No transaction fees. No deposit fees
Cards are personalized with the cardholder's name
The funds on deposit are corporate funds -
not employee-owned
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Netspend® Visa Prepaid Debit

Prepaid Debit Card Not A Credit Card

• 100% Approval - No credit check required*
• Get paid up to 2 days faster with free Direct Deposit*
• Pay rent, utilities and other bills online or over the phone
• Track spending with online budgeting tools and alerts to your mobile phone
• Refer-a-Friend Program
• Get Card

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Two Great Financial Tools To Start Rebuilding Your Credit Now

Poverty in America: Millions of families too broke for bank accounts

Poverty in America: Millions of families too broke for bank accounts

Kim James outside the Dove House, a half-way house in Durham, NC that helped her recover from poverty and addiction. James has since been able to start banking again through the Self Help Credit Union.

Sabino Fuentes-Sanchez hid $25,000 all around his house because he didn't trust banks. Lasonia Christon receives her Walmart salary on a pre-paid debit card. Kim James was homeless for most of the past decade in part because she had no place to save money.

There are plenty of reasons people still live all-cash lives, but the sheer number who do it might surprise you. At a time when the majority of Americans use online banking, and some even deposit checks using their cellphone cameras, roughly eight percent of America's 115 million households don’t have a checking or savings account, according to census data compiled by the FDIC.

The numbers are far higher among minorities: More than 20 percent of African-Americans and Hispanics are essentially left out of the American banking system.

Frozen in the cash-only past, they face myriad “kick-them-while-they-are-down” situations where getting money costs money. Banks typically charge $6 to cash checks. Want to secure an apartment? Fee-based money orders are the only option. Without credit cards, they must turn to triple-digit interest rate payday loans for emergencies.

Who are the unbanked? Many are poor – 56 percent earn less than $15,000 annually. Some are homeless or undocumented workers, fearful of any system that might create a paper trail. But the majority of the unbanked have held checking accounts in the past, according to the FDIC, meaning their reasoning lies elsewhere. Ask them why they don't have a bank account, and one quarter will say they don't see the value in it. With savings account interest rates stuck at almost zero, that's hardly irrational.

Lasonia Christon of Jackson, Miss., tries to avoid getting paid in checks, but when her state tax refund for $231 arrived recently, she had to pay $7 to cash it at a nearby convenience store.

Christon works at Walmart. Her paychecks are deposited onto a prepaid debit card -- an improvement over old-fashioned paper paychecks, which led to high check-cashing fees. It’s hardly a good substitute for direct deposit, however. One cash withdrawal per period is free, but others cost $2. She can avoid the fee by shopping at Walmart and getting cash back at checkout.

She is among the 60 percent of unbanked American who previously had a checking account. Christon used to share one with her sister, but It cost her dearly.

"There was an overdraft here and an overdraft there, and it just didn't work out," she said.

Kim James at the Dove House, a half-way house in Durham, NC that helped her get back on her feet after struggles with poverty and addiction.

Fuentes-Sanchez made a fairly good living working for a tree removal company in Lumber Bridge, N.C., for about 10 years. But he was skeptical of banks, and when he tried to open an account, he was surprised by the cost.

"Instead of making money, I would have to pay fees," he said, through a translator. "(So) we used to keep money in the house. We were always trying to look for ways to hide the money in the house and keep it safe."

At one time, Fuentes-Sanchez had $25,000 stashed in different places throughout the house – his Latino community had been plagued by house burglaries because neighbors did the same. When his wife got cancer, her treatments devoured all their savings.

Down to their last $500, and before she passed away, she convinced him to open a bank account at Latino Community Credit Union, which was opened in part to help stem the burglary problem.

“She managed the money," and was disciplined enough to avoid spending it, said Fuentes-Sanchez, 37, who now raises five children alone. "(I) sometimes see something and I am tempted to buy it ... Now the money is in the bank.”

Saving -- putting money out of temptation's reach -- is the core concept of consumer banking. But the importance of participating in the financial system has stretched far beyond the quaint notion of interest, said Jennifer Tescher, CEO of the Center for Financial

Services Innovation, who is generally regarded as the person responsible for popularizing the term unbanked.

"A bank account in a way has become like a passport or a driver's license," said Tesch. "It's a kind of access device."

James, 55, has been in and out of homelessness for several years. She now lives at a half-way house called Dove House in Durham, N.C., and figured she could never move into her own apartment unless she could stash away the money needed for a security deposit. Without a savings account, that was a challenge.

"Cash in hand is cash spent, my mother always said," she said.

Two years ago, she met Duke University student Janet Xiao, who was part of a group named the Community Empowerment Fund, which visited Dove House offering life skills training, including a class on personal finance where she nudged women to open a bank account. James was reluctant.

"It's really demoralizing to open up an account and have it sitting in there with no money in it," Xiao said. “I think most folks want to take one step at a time, and get a job first. Also, there is this fear of being charged fees you don't understand.”

When James got a part-time job in January, she finally took up Xiao’s offer of help. The two set up an account with the Self-Help Credit Union on Xiao’s laptop right at the Dove House kitchen table.

"She even put the first $5 in there for me," James said. After depositing her first paycheck in person at Self-Help, Xiao said, James did a little dance.

“Now whenever I get even $10 or $20, I go to the bank and deposit it,” James said. Within a few months, she put together enough to pay her security deposit and first’s month’s rent. As soon as she saves enough for a bed, she’ll move in.

James has been able to start banking again through the Self Help Credit Union, and has saved enough to pay a security deposit and the first month's rent for her own apartment..

'Saving for the future'
Self-Help is part of a growing set of financial companies called Community Development Financial Institutions (CDFIs). Supported by the U.S. Treasury Department, their mission is to help the unbanked get into the financial system.

”You make sure people are getting products and services they need,” said Mark Pinsky ,CEO of the Opportunity Finance Network, which helps fund CDFIs. “Banks may be the best place, they may not, but we don't want to just leave them vulnerable to the predators out there.”

Christon has recently been persuaded to open an account in a different way. Her 3-year-old twins’ day-care facility was recently visited by representatives of the Mississippi College Savings Account program, who helped her open a small account for the children. She then realized she needed her own savings account.

"I want to be a good role model for them, so they can learn about savings," she said. "I know I need to be better and show them about saving for the future."

If you are looking for a prepaid debit card that is right for you and your needs, you should visit:

www.FreeDebitCardStore.com