Image via CrunchBase(10-03) 21:01 PDT , (AP) --
The prepaid card industry is relatively young, and the fees issuers can charge are unregulated. As a result consumers will find that terms and prices vary greatly.
Unlike gift cards, it's possible to register a prepaid card and have one issued bearing an individual's name. They can also be used wherever credit or debit cards are accepted.
Prepaid cards are typically used by people who don't have, or can't get, a credit or debit card. The cards are sold in drugstores and marketed online.
Here's a look at three cards and some of the fees associated with each. The ATM withdrawal fees do not include the fees charged by the ATM operator.
The prepaid card industry is relatively young, and the fees issuers can charge are unregulated. As a result consumers will find that terms and prices vary greatly.
Unlike gift cards, it's possible to register a prepaid card and have one issued bearing an individual's name. They can also be used wherever credit or debit cards are accepted.
Prepaid cards are typically used by people who don't have, or can't get, a credit or debit card. The cards are sold in drugstores and marketed online.
Here's a look at three cards and some of the fees associated with each. The ATM withdrawal fees do not include the fees charged by the ATM operator.
Baby Phat Rush Card Visa Debit
* Card to card transfers between RushCard members
* Free Prescription Discount Card from RushCard - save up to 85% on prescriptions
* Free customer service 24/7
* No monthly fees and no hidden fees
* This is a debit card, not a credit card;
Opening Min
$1.00
App Fee
N/A
Annual Fee
N/A
Atm Fee
$1.95
Credit Reporting
None
Bank Account to Card Reload
Free
One-time Activation Fee
$19.95
Direct Deposit Reload
Free
Purchase at Merchant (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Purchase Online (The $1.00 retail purchase fee and the $1.00 online purchase fee are capped at $10.00 per month for any combination of the two.)
$1.00
Telephone Purchase
$1.00
ATM Withdrawal
$1.95
ATM Balance Inquiry
$0.50
Point Of Sale Withdrawal
Live Teller Withdrawal
Online Balance Inquiry
Free
Customer Service Live Call
Free
Paper Statements per request
$1.00
Cancel Card
Replacement Card
$9.95
Monthly Maintenance Fee
None
Account Now Visa Debit Card
Get Your Account Now Prepaid Debit Visa Today at: www.AccountNow.com* $25 cash bonus when you use direct deposit
* 100% guaranteed approval*
* Free credit builder and bill pay
* $0 Activation Fee
* This is a debit card, not a credit card;
Opening Min
$0
App Fee
$0
Annual Fee
N/A
Atm Fee
$2.50
Credit Reporting
None
Card Activation Fee
$0
Online Bill Pay
Free
Direct Deposit Reload
Free
Signature Purchase
Free
PIN Purchase - Premium Plan
Free
PIN Purchase - Classic Plan
$1.00
ATM Withdrawal
One free per month - $2.50 each thereafter
Point of Sale Withdrawal
Free
Live Teller Withdrawal
$4.95
ATM Balance Inquiry
$1.00
Online Inquiry
Free
Automated Telephone Inquiry
Up to $0.50
Customer Service Live Call
One free per month - $2.00 each thereafter
Online Customer Service
Free
Paper Statements per request
$2.95
Replace Card
$10.00
Cancel Card
Free
Inactive Account Monthly Maintenance Fee
$4.95
Silver Prepaid Mastercard Debit Card
* Get your government/benefits check faster w/ free direct deposit
* Guaranteed approval w/ no credit check!
* Free unlimited purchase transactions
* No overdraft fees or minimum balances, perfect bank alternative!
* This is a debit card, not a credit card;
Opening Min
$0
App Fee
$0
Annual Fee
$0
Atm Fee
$1.95
Credit Reporting
None
Activation Fee (One-time)
$0 with mail in rebate
Signature Transaction Fee
Free
Automated Voice Response Fee
Free
Purchase Online
Free
SMS Email Alerts
Free
ATM Balance Inquiry Fee
$0.95
Online Monthly Statement
Free
Online Account Maintenance
Free
Live Agent Service Fee
$1.95
Load Convenience Fee with Direct Deposit
Free
Load Convenience Fee (retail)
$0.95
Monthly Maintenance Fee
$3.95
NetSpend Silver Mastercard Debit Card
Get Your NetSpend Silver Card Today at: www.netspend.com
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| Vision Premier Visa Debit Card | |||||||||||||||||||||||||||||||||||||||||||||||||
| Get Your Vision Premier Visa Debit Card Today at: www.securecardsignup.com | |||||||||||||||||||||||||||||||||||||||||||||||||
* Need your cash fast w/ our free direct deposit get paid faster * No credit check, no debit, no interest * Free customer service, that includes live agent and automated service! * Free unlimited signature and PIN transactions * This is a debit card, not a credit card; Opening Min $0 App Fee $0 Annual Fee $0 Atm Fee $1.95 Credit Reporting None Activation Fee (One-time) $9.95 Signature Transaction Fee Free Automated Voice Response Fee Free Purchase Online Free SMS Email Alerts Free ATM Balance Inquiry Fee $0.95 Online Monthly Statement Free Online Account Maintenance Free Live Agent Service Fee $1.95 Load Convenience Fee with Direct Deposit Free Load Convenience Fee (PreCash or PayPal) Free Weekly Maintenance Fee w/ Direct Deposit Free Weekly Maint. Fee w/ 15 or More Transactions a Month Free Weekly Maint. Fee without Direct Deposit or more than 15 Trans. $0.95 | |||||||||||||||||||||||||||||||||||||||||||||||||
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