Is There A Charge To Add Money To A New Walmart Visa Card

+ Summary: Best prepaid debit cards

Bluebird by American Limited : All-time for fugitive fees.
Fifth Third Access 360° Reloadable Prepaid Card : Best for ATM withdrawals.
FamZoo Prepaid Card : Best for parents (necktie).
Greenlight Prepaid Mastercard : All-time for parents (tie).
Walmart MoneyCard : Best for shopping at Walmart.
Chime : All-time 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 like shooting fish in a barrel to get. Prepaid cards are sold at retail stores (usually for a fee) and some can be ordered online. There'southward no credit check, and they're often bachelor even if you can't get a bank account because of a bad banking history. Dissimilar with a credit card, y'all load funds onto prepaid cards earlier use.

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

Prepaid debit cards vs. regular debit cards

You don't need a depository financial institution account to get a prepaid debit card, but it'southward a requirement for a regular debit card, which is linked to your checking account. For prepaid debit cards, y'all load the card with coin when you get it, and so use it to make purchases. For regular debit cards, the funds for your payments are taken straight from your checking account as you brand payments.

Nerdy tip: If you need to build credit or have been denied a banking company account, a prepaid debit carte du jour might non be the all-time choice: Secured credit cards aid build credit , and if you tin can't get a regular checking business relationship, endeavor 2nd 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 authentic, then you can choose the financial accounts that work best for you lot. 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.

BEST FOR AVOIDING FEES
NerdWallet rating Read review	Bluebird by American Limited No monthly fees; no fee for cash reloads at Walmart. Free ATM network. Groovy budgeting features.
BEST FOR ATM WITHDRAWALS
NerdWallet rating Read review	5th Third Access 360° Reloadable Prepaid Card One of the biggest complimentary ATM networks among prepaid cards. $4 monthly fee that's reasonably easy to waive.
BEST FOR PARENTS
	FamZoo Multiple subaccounts for kids. Costs $2.l-$v.99 per month.
	Greenlight Multiple subaccounts for kids. Store-specific spending controls. Monthly fee from $4.99.
BEST FOR SHOPPING AT WALMART
	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 upwardly to $1,000 in savings account.
BEST Cheap Culling TO PREPAID
NerdWallet rating Learn More at Chime, Deposits are FDIC Insured	Chime No monthly fees. Has a savings component.

Bluebird by American Express

Best for avoiding fees

Bluebird , issued by American Limited, offers more than the average prepaid debit card, and you tin 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.

Full 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.fifty fee at other ATMs, plus any ATM operator fee.
Reload methods: Direct eolith, debit carte transfer, carte du jour-to-card transfer, mobile bank 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 $iii.95.)
Other services: Carve up "set aside" accounts for savings and upwards to 4 subaccounts for family unit members.
Downsides: No greenbacks back at retailers. The card is issued past American Express, which isn't accepted everywhere that Visa and Mastercard are.

Fifth Third Admission 360° Reloadable Prepaid Card

All-time for ATM withdrawals

Fifth Third'south Access 360° prepaid debit card takes function in Allpoint's massive U.South. network and has admission to over 50,000 ATMs. This card is bachelor in the xi states where in that location are Fifth Tertiary branches, which is the just place you can go the menu.

General fees and features: $iv monthly fee that's waived if you take a 5th Third checking account or if you make $500 or more in deposits monthly; no costs for activation or inactivity.
Purchases: No fees.
ATM withdrawals: Costless at Fifth 3rd ATMs and ATMs in the Allpoint ATM network; free at Presto! ATMs inside Publix stores and at 7-Xi ATMs listed on the bank's website or mobile app; $ii.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 admission to a nationwide retail network for adding cash; the card is only available in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Northward Carolina, Ohio, South Carolina, Tennessee and West Virginia; and the card doesn't have a separate savings feature.

FamZoo Prepaid Bill of fare

Best for parents (necktie)

FamZoo is a family-friendly prepaid Mastercard that lets parents become virtual bankers for their kids, fifty-fifty those younger than 13. Four cards are gratuitous on the monthly plan, only more tin can exist added for a 1-fourth dimension $3 fee per card. From the website or app, you tin can send allowances, split payments, see balances and activity beyond all cards and set up upward text and email alerts.

General fees and features: You can prepay $59.99 for two years of FamZoo — that works out to $ii.50 per month. Other prepayment plans also offering a discount. If yous don't prepay, the fee is $v.99 for a monthly subscription. In that location are no costs for activation or inactivity.
Purchases: No fees.
ATM withdrawals: No charge from FamZoo, but ATM withdrawals will still cost you: Since FamZoo doesn't have any of its own ATMs, third-party ATM operator fees can apply.
Reload methods : Direct deposit; banking concern transfer; PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a fee); add greenbacks at retailers like 7-Eleven and Walgreens that participate in the Reload @ the Register, MoneyPak and Mastercard rePower networks (nigh $5 retail fee).
Other services: Multiple accounts under 1 programme, gratuitous and instant FamZoo carte du jour-to-menu transfers, ability to lock and unlock FamZoo cards, budgeting tools.
Downsides: No free ATM network; maximum monthly fee is college than average; no mobile cheque deposit feature.

» Looking for a traditional spending account? Cheque out NerdWallet'due south all-time free checking accounts.

Greenlight Prepaid Mastercard

Best for parents (tie)

Greenlight stands out for a feature that other prepaid cards lack: store-specific spending controls. Parents tin 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 existent-fourth dimension activity alerts, free carte-to-card transfers for allowances and the ability to remotely lock lost cards.

A Greenlight business relationship tin can have upwardly to v subaccounts, then information technology works for a family. Given low buy and withdrawal limits, it'south best equally a family budgeting tool instead of a banking concern account replacement.

Full general fees and features: $iv.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 withdrawals will cost yous: Since Greenlight doesn't take whatsoever of its own ATMs, third-political party ATM operator fees may utilise.
Reload methods: Direct deposit, debit bill of fare transfer, bank transfer.
Other services: Up to 5 subaccounts, no international ATM withdrawal fee.
Downsides: No checks or cash can exist deposited; no free ATM network; the daily buy maximum per family business relationship is $ane,500 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards.

Walmart MoneyCard

Best for shopping at Walmart

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

This prepaid, reloadable bill of fare is family-friendly. You lot can gild an business relationship for gratuitous for up to four boosted people who are at least 13 years old. The Walmart MoneyCard offers a gratuitous "Vault" savings feature. Savings volition earn 2% APY on up to $1,000 on the card enrollment ceremony.

Because information technology's not role of an ATM network, you'll pay $2.fifty 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 $500; $1 starter carte buy fee if purchased in store; no inactivity fees.

Purchases: No fees.

ATM withdrawals: $ii.50 fee, plus any operator fees.

Reload methods: Add greenbacks via the Walmart MoneyCard app at Walmart stores; mobile check deposit; add funds from checks cashed at Walmart stores; $three to reload cash at a Walmart store; up to $4.95 to reload elsewhere.
Other services: Up to four complimentary additional accounts; savings business relationship with 2% APY for get-go $1,000, and chances to win monthly cash prizes; option to lock and unlock your bill of fare via the app; text and email alerts.
Downsides: Fee to use ATMs; limited methods for reloading funds.

Low-fee alternatives to prepaid cards

The difference between prepaid debit cards and checking accounts is starting to mistiness, every bit many have similar features and services.

This is particularly truthful for mobile-optimized cyberbanking accounts: Like most prepaid debit cards, many take no credit bank check; unlike prepaid cards, they come with some extra perks, such as advanced savings features, bigger ATM networks and cheque-writing privileges.

Chime

All-time cheap culling to prepaid

at Chime, Deposits are FDIC Insured

Chime isn't a prepaid debit card or a traditional bank business relationship but a gratis "spending business relationship" in the Visa payment network. This business relationship has many of the same functions as a checking account. Though it doesn't come up with newspaper checks, you tin utilize the app to asking that checks be mailed to a recipient, even yourself, for free.

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

General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. Greenbacks withdrawal and third-political party fees may apply.
Purchases: No additional charge.
ATM withdrawals: Gratuitous at over threescore,000 ATMs in the Allpoint, MoneyPass and Visa Plus Brotherhood ATM networks; $2.50 at other ATMs, plus whatsoever ATM operator fee. Cash withdrawal and third-party fees may use.
Deposit methods: Direct deposit, bank transfer and mobile check deposit; add cash at retailers such as 7-Eleven and Walmart (the retailer may charge a fee) or at Walgreens for complimentary.
Other services: Optional savings account earns 0.50% annual pct yield. Chime has 2 automatic savings programs: one where a percentage of every paycheck automatically goes into the savings account and the other where your purchases are rounded upwards to the nearest dollar and the rounded-up change goes to savings (see below for more data from Chime). You can also receive instant transaction alerts and lock your debit card if you lot lose it. Annotation that a Chinkle Spending Business relationship is required to open a savings business relationship.
Downsides: The out-of-network ATM fee.

Chime says: "Chime is a financial technology visitor, not a bank. Banking services provided by, and debit menu issued by, The Bancorp Bank or Stride Depository financial institution, N.A.; Members FDIC."

Run into more information from Chime

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

The Almanac Percent Yield ("APY") for the Chinkle Savings Account is variable and may change at whatever fourth dimension. The disclosed APY is effective as of November 1, 2021. No minimum balance required. Must take $0.01 in savings to earn involvement.

Best prepaid debit cards and alternatives: Summary

Business relationship/carte	Monthly fee	# of gratuitous ATMs
Bluebird past American Limited	$0	xxx,000+
Chinkle business relationship	$0	60,000+
FamZoo Prepaid Card	$two.50 to $iv.33 if prepaid; $v.99 if billed	None
Fifth Third Access 360° Reloadable Prepaid Bill of fare	$0-$4	l,000+
Greenlight Prepaid Mastercard	$iv.99 to $ix.98	None
Walmart MoneyCard	$0-$5.94	None

Frequently asked questions

What is a prepaid debit menu?

A prepaid debit menu tin serve as a budgeting tool or be a replacement for a banking company business relationship. The best prepaid cards offer convenience and don't accuse many fees.

There'southward no credit cheque required to get a prepaid card, and they're frequently available even if you tin can't get a bank account considering of a bad banking history. You load funds onto prepaid cards before using them for purchases. Mostly, you tin likewise use a prepaid debit card to withdraw cash from ATMs.

Where can you get a prepaid bill of fare?

Prepaid cards are sold at retail stores (normally for a fee) and some tin be ordered online.

How exercise you add money to a prepaid carte du jour?

The methods for calculation money to a prepaid card vary from card to card. But generally, the options include adding cash at a retail register (oft for a fee), calculation funds by using an app to make a mobile bank check deposit, and by direct deposit, card-to-card transfer and bank transfer.

What is a prepaid debit menu?

A prepaid debit bill of fare can serve as a budgeting tool or be a replacement for a bank business relationship. The

best prepaid cards

offer convenience and don't charge many fees.

At that place'south no credit cheque required to get a prepaid carte, and they're frequently available even if you can't get a banking concern account considering of a bad banking history. You load funds onto prepaid cards before using them for purchases. Generally, you can too apply a prepaid debit carte to withdraw cash from ATMs.

Where can yous get a prepaid carte?

Prepaid cards are sold at retail stores (ordinarily for a fee) and some can exist ordered online.

How do you add together money to a prepaid menu?

The methods for adding money to a prepaid card vary from card to card. Simply mostly, the options include calculation cash at a retail register (oft for a fee), calculation funds by using an app to make a mobile cheque deposit, and past direct deposit, card-to-menu transfer and bank transfer.

METHODOLOGY : Best Prepaid Debit Cards of 2022

Nosotros looked at 45 reloadable prepaid debit cards offered by some of the biggest banks, credit unions and prepaid debit card issuers. Where multiple card plans existed, only the basic monthly fee program was considered.

We analyzed four categories for each card: full general fees and features, purchases and withdrawals, reload fees and options, and other services such every bit bill pay and savings accounts. The cards that made this list had the best combination of these categories. Some cards in this roundup take nonbank plan managers that partner with banks. Regardless, all the cards' issuers are banks that insure consumers' coin through the Federal Deposit Insurance Corp. No cards in a higher place have overdraft fees.

ACE Elite Visa Prepaid Debit Carte du jour , AccountNow Golden Visa Prepaid Card , American Express Serve , BB&T MoneyAccount, Bluebird past American Express , Heave Mobile Wallet Prepaid Mastercard, Brink'south Prepaid Mastercard, Card.com Prepaid Card, CashPass Prepaid Mastercard, Commerce Banking company mySpending Card, Control Prepaid Mastercard, Exact Prepaid Mastercard, FamZoo Prepaid Menu, Fancard, FasterMoney, Fifth Third Access 360° Reloadable Prepaid Card, Fred Meyer Prepaid Menu, Green Dot Prepaid Visa Carte , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Carte du jour, MyVanilla Prepaid Card, Netspend Visa Prepaid Card , NexsCard Visa Prepaid Card, Opt+ Prepaid Visa Bill of fare, PayPal Prepaid Mastercard , PNC SmartAccess Prepaid Visa Menu, Regions At present Visa Prepaid Card, RushCard Prepaid Visa Carte du jour , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Card, Walmart MoneyCard , Western Union Netspend Prepaid Card.

We also looked at two alternative, or nontraditional, cyberbanking accounts: Chime and GoBank .

What the ratings mean:

— Amid the very best

— Very good; just minor caveats for most customers

— Adept; issues that might brand a deviation to some customers

— Fair; brand sure strengths and weaknesses are a good match for you

— Poor; proceed with peachy circumspection

(or below) — Best to avoid

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

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