Prepaid

Debit Cards and Prepaid Cards

Strict about your budget? Prepaid and debit cards can help you control your spending by setting your balance up front. Note that prepaid and debit cards are not the same as credit cards.  Prepaid cards have typically been an invaluable asset for those who haven’t yet established a credit history. They have also been one of the primary means of re-establishing credit after a bankruptcy or other financial difficulties that resulted in a poor credit rating. In both cases, they provide an option for customers with sub-prime credit ratings.  Prepaid cards are very similar to debit cards except they don’t require a checking account

Walmart MoneyCard®

Credit Recommended

N/A

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  • Activation Fee: $0
  • Monthly Fee: $0 with eligible direct deposit
  • Direct Deposit Fee: $0
  • ATM Fee: $2.50
  • Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
  • Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
  • Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
  • Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
    *Please see site for full terms and conditions.

GO2bank

Credit Recommended

All Credit Types Considered

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  • Overdraft Protection: up to $200 with opt-in and eligible direct deposits
  • Activation Fee: $0
  • Monthly Fee: No monthly fees with eligible direct deposit, otherwise $5 per month
  • Direct Deposit Fee: $0
  • ATM Fee: $0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balan
  • Reports to Consumer Reporting Agencies: See more on Go2bank site
  • Number of Bureaus: 3
  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
  • High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

Flare Account®

Credit Recommended

See website for Details

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  • Activation Fee: See website for Details
  • Monthly Fee: See website for Details
  • Direct Deposit Fee: See website for Details
  • ATM Fee: See website for Details

Extra Card

Credit Recommended

All Credit Types Considered

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  • Activation Fee: $0
  • Annual Fee: See Terms
  • Brand Name: Mastercard
  • Checking Account Required: Yes
  • Credit Check: No
  • Minimum Deposit: $0
  • Rewards Rate 1: Earn up to 1% in points
  • Reports to Consumer Reporting Agencies: Yes
  • Extra is the first debit card that helps you build your credit and earns up to 1% back in points for everyday purchases like gas, coffee and your phone bills.¹
  • No interest. No credit checks. No deposit required.
  • Track your spending & credit score—follow your progress with Credit Journey on the Extra App
  • Earn reward points—earn up to 1% back in points with every purchase and redeem them for cool products in the Extra Rewards Store¹
  • Use your bank—keep your money where you want, while spending smarter with Extra.¹
  • ¹The Extra Debit Card is issued by Evolve Bank & Trust or Patriot Bank N.A. (Member FDIC), pursuant to a license by Mastercard International. Line of credit provided by Lead Bank. Extra is responsible for credit reporting and reports on time and late payments, which may impact a credit bureau’s determination of your credit score. Rewards points only available with rewards plan.

An Online Bank Account with it’s Higher Interest Rates and Lower Fees might be a better choice for you. 

Axos Rewards Checking

Credit Recommended

>680

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  • Products Offered: Axos Rewards Checking
  • Minimum Deposit: Only $50 to open an account
  • Annual Fee: $0
  • Cash in on up to a $500 bonus† and up to 3.30% APY* with a new Rewards Checking account. Just use promo code RC500 before July 31.
  • Build your own APY with up to 3.30% APY*
  • Zero monthly maintenance fees
  • Zero overdraft or NSF fees
  • Zero minimum monthly balance reqs
  • No initial deposit requirement
  • Unlimited domestic ATM fee reimbursements
  • Online debit card management
  • Simple, 3-step process for direct deposit

Axos High Yield Savings

Credit Recommended

>680

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  • Products Offered: Axos High Yield Savings
  • Minimum Deposit: $250 minimum balance to open an account
  • Annual Fee: $0
  • No monthly maintenance fees
  • No minimum balance requirements
  • $250 minimum opening deposit
  • Free Incoming Wires
  • Zero Minimum Balance Requirement