Bankrate’s 2015 Prepaid Debit Card Survey offers a rundown of the card’s many variables, including fees, restrictions and factors that may affect a consumer’s decision in choosing a prepaid debit card. The Green Dot Reloadable Prepaid Card Gold comes with a $5.95 monthly maintenance fee, but no fee for ATM balance inquiries if you use MoneyPass ATMs. Otherwise, it costs 50 cents.

Green Dot Reloadable Prepaid Card, Gold

Are funds FDIC-insured? Yes
Monthly maintenance fee $5.95
Can the monthly fee be avoided? Yes
Card activation fee Up to $4.95 at retail store; free if ordered online
Reload fee via direct deposit $0
ATM withdrawal fee (issuer’s ATM) N/A; but free at MoneyPass ATMs
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.50
ATM balance inquiry No fee at MoneyPass ATMs; $0.50 otherwise
Fees for point-of-sale transaction  $0
Fees for signature transaction $0
Paper statement fee $0
Paper statement at ATM N/A
Bill payment fee $0
Fee for customer service by phone $0
Declined transaction fee $0
Purchase overdraft available? No
Cost of purchase overdraft N/A
Inactivity fee $0
Notes: Monthly maintenance fee waived with $1,000 load per month or 30 purchase transactions per month. Reload fee at retailer varies up to $4.95. 

Bankrate.com surveyed 31 prepaid debit card offers Feb. 2-10, 2015. These are the resulting fees, restrictions and other card provisions.

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