Does Big Lots Do Cash Back At Register

+ Summary: Best prepaid debit cards

Bluebird by American Express : Best for avoiding fees.
5th Third Admission 360° Reloadable Prepaid Card : Best for ATM withdrawals.
FamZoo Prepaid Card : Best for parents (tie).
Greenlight Prepaid Mastercard : All-time for parents (tie).
Walmart MoneyCard : All-time for shopping at Walmart.
Chime : Best cheap prepaid alternative.

What are prepaid debit cards?

A prepaid debit carte du jour can serve as a budgeting tool or an all-out replacement for a depository financial institution business relationship — and the best prepaid cards offering convenience while charging few fees.

Prepaid cards are easy to get. Prepaid cards are sold at retail stores (usually for a fee) and some tin be ordered online. There'south no credit bank check, and they're often available fifty-fifty if you can't get a bank account because of a bad banking history. Unlike with a credit card, yous load funds onto prepaid cards before use.

Some companies also offer mobile-optimized banking accounts that don't require a squeaky-clean banking or credit history — and they often toll less than prepaid cards. Skip ahead to read nearly these low-fee alternatives.

Prepaid debit cards vs. regular debit cards

You don't need a banking concern account to get a prepaid debit card, just information technology's a requirement for a regular debit menu, which is linked to your checking account. For prepaid debit cards, you load the card with money when you become information technology, then employ it to make purchases. For regular debit cards, the funds for your payments are taken directly from your checking business relationship equally y'all make payments.

Nerdy tip: If you demand to build credit or take been denied a bank business relationship, a prepaid debit card might non be the best selection: Secured credit cards help build credit , and if you can't become a regular checking account, try 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 off-white and accurate, so you can choose the financial accounts that work all-time for you. See our criteria for evaluating banks and credit unions .

Here are our top prepaid debit cards based on fees and features. Curl down for more detail on each account.

All-time FOR Avoiding FEES
NerdWallet rating Read review	Bluebird by American Express No monthly fees; no fee for greenbacks reloads at Walmart. Free ATM network. Great budgeting features.
All-time FOR ATM WITHDRAWALS
NerdWallet rating Read review	Fifth Third Access 360° Reloadable Prepaid Carte du jour One of the biggest gratuitous ATM networks amid prepaid cards. $four monthly fee that's reasonably easy to waive.
BEST FOR PARENTS
	FamZoo Multiple subaccounts for kids. Costs $2.50-$5.99 per month.
	Greenlight Multiple subaccounts for kids. Store-specific spending controls. Monthly fee from $4.99.
BEST FOR SHOPPING AT WALMART
	Walmart MoneyCard iii% greenbacks back at Walmart.com and in the Walmart app and other cash dorsum rewards. Multiple subaccounts for family members. 2% APY on up to $1,000 in savings business relationship.
BEST Inexpensive Alternative TO PREPAID
NerdWallet rating Learn More than at Chime, Deposits are FDIC Insured	Chime No monthly fees. Has a savings component.

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Bluebird by American Limited

Best for avoiding fees

Bluebird , issued by American Express, offers more than the average prepaid debit card, and you can load and spend money without paying fees.

Just Bluebird does have limits when it comes to merchant acceptance, and it doesn't let cash back at retailers.

General fees and features: No monthly fees and no costs for online activation or inactivity.
Purchases: No fees.
ATM withdrawals: Costless at ATMs in the MoneyPass network; $2.50 fee at other ATMs, plus any ATM operator fee.
Reload methods: Direct deposit, debit carte du jour transfer, card-to-card transfer, mobile bank check eolith (with a third-party fee for instant processing), cash load at Walmart or other stores. (Retailers other than Walmart may accuse up to $iii.95.)
Other services: Divide "fix aside" accounts for savings and up to 4 subaccounts for family unit members.
Downsides: No cash back at retailers. The bill of fare is issued by American Express, which isn't accepted everywhere that Visa and Mastercard are.

Fifth 3rd Access 360° Reloadable Prepaid Carte du jour

Best for ATM withdrawals

Fifth 3rd'southward Access 360° prepaid debit card takes part in Allpoint's massive U.S. network and has access to over 50,000 ATMs. This bill of fare is available in the 11 states where in that location are Fifth 3rd branches, which is the only place you lot tin can get the card.

General fees and features: $4 monthly fee that'due south waived if yous take a 5th 3rd checking account or if you brand $500 or more in deposits monthly; no costs for activation or inactivity.
Purchases: No fees.
ATM withdrawals: Free at Fifth Third ATMs and ATMs in the Allpoint ATM network; free at Presto! ATMs within Publix stores and at 7-Xi ATMs listed on the banking company'south website or mobile app; $ii.75 fee at other ATMs, plus whatsoever ATM operator fees.
Reload methods: Straight eolith, bank transfer, cash load at Fifth Third branch or ATM.
Other services: Card can have joint owners.
Downsides: There's no access to a nationwide retail network for calculation cash; the card is only bachelor in Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, North Carolina, Ohio, Due south Carolina, Tennessee and West Virginia; and the card doesn't accept a carve up savings characteristic.

FamZoo Prepaid Card

Best for parents (necktie)

FamZoo is a family unit-friendly prepaid Mastercard that lets parents get virtual bankers for their kids, even those younger than thirteen. Iv cards are free on the monthly plan, but more can be added for a i-time $3 fee per card. From the website or app, you can transport allowances, separate payments, run into balances and activity beyond all cards and prepare upwardly text and email alerts.

Full general fees and features: You tin can prepay $59.99 for 2 years of FamZoo — that works out to $2.fifty per month. Other prepayment plans also offering a discount. If you lot don't prepay, the fee is $5.99 for a monthly subscription. There are no costs for activation or inactivity.
Purchases: No fees.
ATM withdrawals: No charge from FamZoo, just ATM withdrawals will still cost you: Since FamZoo doesn't have any of its ain ATMs, third-party ATM operator fees can employ.
Reload methods : Directly deposit; banking concern transfer; PayPal, Apple Pay, Venmo and Square Cash transfer; PopMoney transfer (for a fee); add together cash at retailers like 7-Xi and Walgreens that participate in the Reload @ the Register, MoneyPak and Mastercard rePower networks (virtually $5 retail fee).
Other services: Multiple accounts under one plan, free and instant FamZoo card-to-card transfers, ability to lock and unlock FamZoo cards, budgeting tools.
Downsides: No free ATM network; maximum monthly fee is higher than boilerplate; no mobile check deposit characteristic.

» Looking for a traditional spending business relationship? Check 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 coin, then $300 earmarked for school supplies can only exist spent at a campus bookstore, for example. The prepaid carte also offers real-fourth dimension action alerts, costless card-to-card transfers for allowances and the ability to remotely lock lost cards.

A Greenlight account tin can have up to v subaccounts, so information technology works for a family. Given low purchase and withdrawal limits, it's best as a family budgeting tool instead of a bank account replacement.

General fees and features: $4.99 to $nine.98 per calendar month, depending on selected plan (more expensive plans include features like investing educational activity 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 toll y'all: Since Greenlight doesn't have any of its ain ATMs, 3rd-political party ATM operator fees may use.
Reload methods: Direct eolith, debit carte transfer, depository financial institution transfer.
Other services: Up to 5 subaccounts, no international ATM withdrawal fee.
Downsides: No checks or greenbacks tin can be deposited; no free ATM network; the daily purchase maximum per family unit account is $1,500 and daily ATM withdrawal limit is $100, which are much lower than average for prepaid cards.

Walmart MoneyCard

All-time for shopping at Walmart

The Walmart MoneyCard offers its shoppers up to $75 per year in cash-back rewards: 3% for purchases made at Walmart.com and in the Walmart app, ii% at Walmart fuel stations and 1% at Walmart stores. The app, which gets decent ratings, is required to go fee-free greenbacks reloads at Walmart stores. Walmart MoneyCenters and Customer Service desks likewise offering fee-free cash withdrawals.

This prepaid, reloadable card is family-friendly. You lot can order an business relationship for free for up to four boosted people who are at to the lowest degree thirteen years old. The Walmart MoneyCard offers a free "Vault" savings feature. Savings will earn 2% APY on up to $1,000 on the card enrollment ceremony.

Considering it'south not part of an ATM network, y'all'll pay $2.fifty for ATM withdrawals in addition to any operator fees.

Full general fees and features: $five.94 monthly fee waived with a monthly deposit of at least $500; $i starter carte du jour purchase fee if purchased in shop; no inactivity fees.

Purchases: No fees.

ATM withdrawals: $2.50 fee, plus any operator fees.

Reload methods: Add greenbacks via the Walmart MoneyCard app at Walmart stores; mobile cheque eolith; add funds from checks cashed at Walmart stores; $3 to reload cash at a Walmart shop; up to $4.95 to reload elsewhere.
Other services: Upward to 4 complimentary additional accounts; savings account with 2% APY for outset $1,000, and chances to win monthly greenbacks prizes; option to lock and unlock your carte du jour via the app; text and email alerts.
Downsides: Fee to use ATMs; limited methods for reloading funds.

Depression-fee alternatives to prepaid cards

The departure betwixt prepaid debit cards and checking accounts is starting to blur, as many have similar features and services.

This is especially true for mobile-optimized banking accounts: Like most prepaid debit cards, many have no credit check; different prepaid cards, they come up with some extra perks, such as advanced savings features, bigger ATM networks and cheque-writing privileges.

Chime

Best inexpensive alternative to prepaid

at Chime, Deposits are FDIC Insured

Chime isn't a prepaid debit card or a traditional depository financial institution account simply a complimentary "spending account" in the Visa payment network. This account has many of the aforementioned functions as a checking account. Though it doesn't come with paper checks, you can utilise the app to request that checks be mailed to a recipient, even yourself, for free.

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

General fees and features: No monthly fee and no costs for activation or inactivity; no credit check. Cash withdrawal and third-political party fees may use.
Purchases: No additional charge.
ATM withdrawals: Free at over lx,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 utilise.
Eolith methods: Direct eolith, depository financial institution transfer and mobile bank check deposit; add greenbacks at retailers such as vii-Xi and Walmart (the retailer may charge a fee) or at Walgreens for free.
Other services: Optional savings business relationship earns 0.l% almanac pct yield. Chime has two automated 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-upwards change goes to savings (see below for more information from Chime). You can too receive instant transaction alerts and lock your debit card if you lose information technology. Note that a Chinkle Spending Account is required to open a savings business relationship.
Downsides: The out-of-network ATM fee.

Chinkle says: "Chinkle is a financial technology company, not a banking concern. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC."

See more information from Chime

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

The Annual Percentage Yield ("APY") for the Chinkle Savings Account is variable and may alter at any time. The disclosed APY is effective equally of November 1, 2021. No minimum residue required. Must have $0.01 in savings to earn involvement.

All-time prepaid debit cards and alternatives: Summary

Business relationship/card	Monthly fee	# of free ATMs
Bluebird past American Limited	$0	30,000+
Chime account	$0	threescore,000+
FamZoo Prepaid Card	$two.50 to $four.33 if prepaid; $five.99 if billed	None
Fifth 3rd Access 360° Reloadable Prepaid Card	$0-$4	50,000+
Greenlight Prepaid Mastercard	$4.99 to $9.98	None
Walmart MoneyCard	$0-$5.94	None

Oftentimes asked questions

What is a prepaid debit card?

A prepaid debit carte du jour can serve as a budgeting tool or be a replacement for a banking company account. The best prepaid cards offer convenience and don't charge many fees.

At that place'due south no credit check required to go a prepaid card, and they're oftentimes available even if you can't get a bank account considering of a bad cyberbanking history. You load funds onto prepaid cards earlier using them for purchases. By and large, you can also use a prepaid debit card to withdraw greenbacks from ATMs.

Where tin you go a prepaid bill of fare?

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

How practice you lot add coin to a prepaid menu?

The methods for calculation money to a prepaid card vary from carte du jour to carte. But by and large, the options include adding greenbacks at a retail register (frequently for a fee), adding funds by using an app to make a mobile cheque eolith, and by directly deposit, card-to-carte du jour transfer and bank transfer.

What is a prepaid debit card?

A prepaid debit card tin can serve as a budgeting tool or be a replacement for a bank account. The

best prepaid cards

offer convenience and don't charge many fees.

In that location'south no credit cheque required to go a prepaid bill of fare, and they're often bachelor even if you can't get a banking concern account considering of a bad cyberbanking history. You load funds onto prepaid cards earlier using them for purchases. Generally, y'all tin can also apply a prepaid debit card to withdraw cash from ATMs.

Where tin yous become a prepaid card?

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

How do you add coin to a prepaid carte?

The methods for calculation money to a prepaid card vary from card to carte. Simply generally, the options include adding cash at a retail register (often for a fee), adding funds by using an app to make a mobile bank check deposit, and by straight eolith, bill of fare-to-carte du jour transfer and depository financial institution transfer.

METHODOLOGY : Best Prepaid Debit Cards of 2022

We looked at 45 reloadable prepaid debit cards offered past some of the biggest banks, credit unions and prepaid debit card issuers. Where multiple carte du jour plans existed, just the basic monthly fee program was considered.

We analyzed iv categories for each carte: general fees and features, purchases and withdrawals, reload fees and options, and other services such as pecker pay and savings accounts. The cards that made this list had the all-time combination of these categories. Some cards in this roundup accept nonbank program managers that partner with banks. Regardless, all the cards' issuers are banks that insure consumers' money through the Federal Deposit Insurance Corp. No cards higher up have overdraft fees.

ACE Aristocracy Visa Prepaid Debit Card , AccountNow Golden Visa Prepaid Card , American Express Serve , BB&T MoneyAccount, Bluebird by American Express , Boost Mobile Wallet Prepaid Mastercard, Brink's Prepaid Mastercard, Card.com Prepaid Card, CashPass Prepaid Mastercard, Commerce Bank mySpending Bill of fare, Command Prepaid Mastercard, Verbal Prepaid Mastercard, FamZoo Prepaid Carte, Fancard, FasterMoney, Fifth Third Admission 360° Reloadable Prepaid Card, Fred Meyer Prepaid Bill of fare, Greenish Dot Prepaid Visa Card , Greenlight Prepaid Mastercard, H&R Block Emerald Prepaid Mastercard, Mango Visa Prepaid Card, MOVO Virtual Prepaid Visa Card, MyVanilla Prepaid Card, Netspend Visa Prepaid Carte , NexsCard Visa Prepaid Bill of fare, Opt+ Prepaid Visa Bill of fare, PayPal Prepaid Mastercard , PNC SmartAccess Prepaid Visa Card, Regions Now Visa Prepaid Card, RushCard Prepaid Visa Bill of fare , Starbucks Rewards Visa Prepaid Card, TD Connect Reloadable Prepaid Visa Carte, Walmart MoneyCard , Western Union Netspend Prepaid Bill of fare.

Nosotros too looked at two alternative, or nontraditional, banking accounts: Chime and GoBank .

What the ratings mean:

— Amid the very best

— Very good; only minor caveats for most customers

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

— Fair; make certain strengths and weaknesses are a skillful match for you

— Poor; proceed with great caution

(or below) — Best to avert

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

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