by Dan Moskel,
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UNITED STATES, Jan 04 — The Green Dot card is a prepaid credit card. Commonly used by individuals without a bank account.Card holders receive free direct deposit; this can save you money on expensive check cashing fees. We are alarmed at the extra fees for priority customer service
T
he Green Dot card is a prepaid credit card. Commonly used by individuals without a bank account.
Card holders receive free direct deposit; this can save you money on expensive check cashing fees. It is accepted at millions of locations world wide.
There is no bank account required or credit check. It does have a monthly maintenance fee of $4.95 but this fee is waived if you deposit $750 or more monthly.
It is accepted over the phone and online. Your cash can be accessed at 900,000 ATM locations in 120 different countries.
It does have a reload fee of $4.95 when you use MoneyPak. Common criticisms are; the amount of fees and poor customer service.
MoneyPak's can be purchased at many retail locations including; Wal-mart, CVS, Kroger, Walgreens and many more. It does carry a $2.50 ATM withdrawal fee and a $9.95 card activation fee.
The Columbus Bank and Trust Company issues the card and it comes as a Visa or MasterCard.
You can upgrade your account to Premier Membership; the benefit is priority customer service. The fee for this is a one time payment of $20.
Upon completion of your application you will be mailed a card in 7 - 10 business days. You can also purchase this card at many retail locations.
Frequently parents will use this card to teach a child how to manage money. It also gives parents an easy way sending financial help to students that are away at school.
Your money will be protected if your card is ever lost or stolen. It is a much safer alternative than carrying cash.
You use it to pay your bills. Additionally it will give you a convenient way to track your spending and stay within a budget.
In sum we do not suggest this card. We are alarmed at the extra fees for priority customer service. We feel that when it comes to your hard earned money everyone is entitled to priority service.
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