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The Green Dot Prepaid Visa® Card, previously known as the Green Dot Reloadable Prepaid Card, could be a decent option for anyone looking for a prepaid debit card, but watch out for the fees.
With this card you can utilize ASAP Direct Deposit, allowing you to avoid check cashing fees and get your money automatically directly deposited into your account, possibly two days before payday.
The monthly fee is waived when you load $1,000 or more on the card in the previous monthly period, however there are a number of other fees you should be aware of:
|Card Purchase Fee||$1.95|
|Per Purchase Fee||$0|
|ATM Withdrawal Fee||$3.00|
|Cash Reload Fee||$5.95|
|ATM Balance Inquiry Fee||$.50|
|Pack of 12 Checks||$5.95|
|Card Replacement Fee||$5.00|
You can also opt for a VIP upgrade during registration, which allows you to avoid most ATM fees and receive free card replacements, at the expense of paying an extra $4.95 a month.
Keep in mind prepaid cards generally do not help you build credit since they don’t report to the credit bureaus. If you have bad credit and would like to build credit, a secured card may be a better option.