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Walmart MoneyCard Review Advertiser disclosure You’re our first priority. Every time. We believe that every person should be able make financial decisions with confidence. While our website doesn’t include every business or financial product that is available in the marketplace We’re pleased of the advice we provide, the information we provide and the tools we develop are independent, objective, straightforward — and completely free. So how do we make money? Our partners pay us. This could influence the types of products we write about (and the places they are featured on our site) However, it doesn’t affect our recommendations or advice which are based on thousands of hours of study. Our partners are not able to pay us to guarantee favorable reviews of their products or services. . Walmart MoneyCard Review By Spencer Tierney Senior Writer | Certificates of deposit, ethical banking, banking deposits Spencer Tierney is a consumer writer for banking at NerdWallet. He has been writing about personal finance since 2013, with a focus on certificates of deposit as well as other banking-related subjects. He has had his work featured on The Washington Post, USA Today, The Associated Press and the Los Angeles Times, among others. He is located in Berkeley, California. Feb 17, 2021 Edited By Alice Holbrook Assigning Editor | Banking, homebuying, and savings items Alice Holbrook joined NerdWallet in 2013 and is an editor for the team that covers home and mortgages. Prior to that, she was an editor for the team that dealt with banking that covered banking and insurance as a journalist, and did a stint as a copy desk assistant. Her work has been highlighted by USA Today, MarketWatch, Newsweek and The Washington Post. Email:
. A majority or all of the products featured here are from our partners, who pay us. This influences which products we review and where and how the product is featured on the page. However, this does not affect our assessments. Our opinions are our own. Here’s a list of and . Editor’s note, July 12, 2021 Walmart MoneyCard, issued by Green Dot Bank, has changed to a demand-deposit account. The Walmart MoneyCard prepaid debit card is a great value for dedicated Walmart customers. The card, which is issued from Green Dot Bank, has cash-back rewards on Walmart purchases as well as free online services. Best for: Frequent Walmart customers. People who would like to receive free bill pay and money transfers between friends and family. Anyone who has had difficulty managing a bank account previously. Anyone who is able to load $1,000 or more each month to avoid the higher-than-average monthly cost. Find additional options: See our list of Walmart MoneyCard Benefits offering up to $75 in cash-back rewards a calendar year. 3% from Walmart.com and 2% at Walmart gas stations and% in Walmart stores. Cash withdrawals are free at more than 5,000 Walmart locations. Reloading cash for free at Walmart stores with MoneyCard. MoneyCard app. Direct deposit of pay or government benefits, up to 4 or 2 days early. Online bill payment is free. Are you looking for a way to build credit instead? Find out more about Walmart MoneyCard cons A large amount of $1,000 is required to eliminate the monthly charge. $2.50 fee for bank teller and ATM withdrawals, plus any third-party fee charged by a bank or ATM operator. A fee of $3 is charged to reload cash at Walmart checkout, known as Walmart Rapid Reload and as high as $5.95 to reload cash at retailers in the Green Dot reload network. Are you ready to start an ordinary savings account instead? Check out the overview of prepaid debit cards What is a prepaid debit card? A pre-paid debit card type of payment card that only lets you spend the money that you put on the card. They don’t aid in building credit. Like a debit card, a prepaid card works with any retailer that accepts their payment network, like Visa, Mastercard or American Express. It’s safer and more convenient than using cash. The prepaid cards usually have an app for mobile devices for depositing checks and transferring money. Find out more in our guide to debit cards that are prepaid. In contrast to checking accounts the prepaid debit cards might lack some services such as free ATM branches, checks, among others. If this doesn’t suit you, take a look at our list of best checking accounts. If you’ve had trouble with banks in the past, check out second chance checking options. Prepaid debit card vs. debit card vs. credit card prepaid debit card — use in advance the card is loaded with money the card using cash or checks, direct deposit or the bank account prior to paying for transactions. Credit cards — make payments now: You use funds directly from your checking account when paying for purchases or withdrawing cash at an ATM. Credit cards — pay later: You borrow cash from a bank each time you make use of the card. You pay the money back in the future. What exactly is FDIC insurance on prepay cards work? Prepaid debit cards almost always come with FDIC insurance. This keeps your money safe in the event that the issuer goes bankrupt. Only financial institutions can be covered by FDIC insurance, which means a prepaid card is either operated by a bank, or a prepaid credit card company that partners with a bank to offer that insurance. You have to sign up your debit card prepaid using your personal name as well as other information about your identity in order to be eligible for FDIC insurance and other protections. Author bio Spencer Tierney is an expert on certificates of deposit at NerdWallet. Its work was highlighted by USA Today and the Los Angeles Times. In a similar vein… Discover a better checking account View NerdWallet’s recommendations for the top checking accounts. Dive even deeper in Banking . Receive more money-savvy moves – straight to your inbox. Sign-up and we’ll send you Nerdy posts about the money topics which matter to you the most along with other ways to get more from your money. Take all the appropriate money moves
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