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Find the best prepaid debit card for you

Debit Cards » Find The Best Prepaid Debit Cards

Prepaid debit cards can be an alternative for consumers who have had trouble establishing or improving credit. Bankrate's 2014 Prepaid Debit Cards Survey shows a cross section of what's available in the marketplace today and key provisions of each card.

Prepaid debit cards

Debit cardMonthly maintenance feeCard activation feeATM withdrawal fee (issuer's ATM)ATM balance inquiry
Debit card:American Express ServeMonthly maintenance fee: $1.00Card activation fee: $0.00 online; $2.95 in retail locationsATM withdrawal fee: N/A*ATM balance inquiry: N/A
Debit card:Bluebird by American Express and WalmartMonthly maintenance fee: $0.00Card activation fee: $0.00ATM withdrawal fee:N/AATM balance inquiry: N/A
Debit card:BB&T MoneyAccountMonthly maintenance fee: $5.00Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $1.00
Debit card:BBVA Compass SafeSpend CardMonthly maintenance fee: $4.00Card activation fee: $0.00ATM withdrawal fee: $1.00ATM balance inquiry: $1.00
Debit card:Chase LiquidMonthly maintenance fee: $4.95Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $0.00 at Chase ATMs; $2.00 at out-of-network ATMs
Debit card:Comerica Bank Convenience Card (through Elan Financial Services)Monthly maintenance fee: $3.95Card activation fee: $5.95ATM withdrawal fee: $0.00ATM balance inquiry: $1.00
Debit card:Comerica Bank Independence Prepaid Card (through Elan Financial Services)Monthly maintenance fee: $3.95Card activation fee: $5.95ATM withdrawal fee: $0.00ATM balance inquiry: $1.00
Debit card:Fifth Third Access 360° Reloadable Prepaid CardMonthly maintenance fee: $7.00Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $0.00
Debit card:Mango Prepaid MasterCard (by First Bank & Trust, Brookings, S.D.)Monthly maintenance fee: $5.00Card activation fee: $0.00ATM withdrawal fee: N/AATM balance inquiry: $0.50
Debit card:Walmart MoneyCard MasterCard, Basic (by Green Dot Bank)Monthly maintenance fee: $3.00Card activation fee: $3.00ATM withdrawal fee: N/A*

ATM balance inquiry: $1.00

Debit card:Walmart MoneyCard MasterCard, Plus (by Green Dot Bank)Monthly maintenance fee: $3.00Card activation fee: $4.00ATM withdrawal fee: N/A*ATM balance inquiry: $1.00
Debit card:Walmart MoneyCard MasterCard, Preferred (by Green Dot Bank)Monthly maintenance fee: $3.00Card activation fee: $6.00ATM withdrawal fee:N/A*ATM balance inquiry: $1.00
Debit card:Green Dot Reloadable Prepaid Card, GoldMonthly maintenance fee: $5.95Card activation fee: $4.95 at retail store; free if ordered onlineATM withdrawal fee:N/A*ATM balance inquiry: No fee at MoneyPass ATMs; $0.50, otherwise
Debit card:H&R Block Emerald Prepaid MasterCardMonthly maintenance fee: $0.00Card activation fee: $0.00ATM withdrawal fee: N/AATM balance inquiry: $1.00
Debit card:Western Union MoneyWise Prepaid MasterCard (by MetaBank)Monthly maintenance fee: $2.95Card activation fee: $0.00ATM withdrawal fee: $1.95ATM balance inquiry: $0.45
Debit card:Moneygram AccountNow Prepaid Visa Debit Card (by MetaBank)Monthly maintenance fee: $9.95Card activation fee: $4.95ATM withdrawal fee: $2.50ATM balance inquiry: $1.00
Debit card:NetSpend Visa Prepaid Debit Card, Pay-As-You-Go Plan (by MetaBank)Monthly maintenance fee: $0.00Card activation fee: $0.00ATM withdrawal fee: $2.50ATM balance inquiry: $0.50
Debit card:PayPower Visa Prepaid Card (by MetaBank, certain services by Blackhawk California)Monthly maintenance fee: $5.95Card activation fee: $0.00 online; $3.95 (may vary by retailer)ATM withdrawal fee: $1.95ATM balance inquiry: $0.50
Debit card:UPside Visa Prepaid Card, Classic plan (by MetaBank)Monthly maintenance fee: $4.95, if loading less than $500; $0.99 if loading more than $500Card activation fee: $0.00ATM withdrawal fee: $1.95ATM balance inquiry: $0.99
Debit card:PNC SmartAccess Prepaid Visa CardMonthly maintenance fee: $5.00Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $2.50
Debit card:Regions Now CardMonthly maintenance fee: $5.00Card activation fee: $4.00ATM withdrawal fee: $0.00ATM balance inquiry: $2.50
Debit card:SunTrust Prepaid MasterCardMonthly maintenance fee: $5.00Card activation fee: $4.00ATM withdrawal fee: $0.00ATM balance inquiry: $0.00
Debit card:TD Go CardMonthly maintenance fee: $0.00Card activation fee: $4.95ATM withdrawal fee: $0.00ATM balance inquiry: $3.00
Debit card:AchieveCard Visa Prepaid Card, Gold Plan (by The Bancorp Bank)Monthly maintenance fee: $9.95Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $0.95
Debit card:READYdebit Visa Prepaid Card, Select Plan (by The Bancorp Bank)Monthly maintenance fee: $9.95Card activation fee: $9.95ATM withdrawal fee: $2.25ATM balance inquiry: $0.00
Debit card:The Approved Card from Suze Orman (by The Bancorp Bank)Monthly maintenance fee: $3.00Card activation fee: $3.00ATM withdrawal fee: $2.00ATM balance inquiry: $1.00
Debit card:Prepaid Visa RushCard, Pay As You Go Plan (by The Bancorp Bank)Monthly maintenance fee: $0.00Card activation fee: $3.95-$9.95ATM withdrawal fee: $0.00ATM balance inquiry: $0.50
Debit card:Univision MasterCard Prepaid Card (by The Bancorp Bank)Monthly maintenance fee: $9.95Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $1.95
Debit card:U.S. Bank Contour CardMonthly maintenance fee: $4.00Card activation fee: $4.00ATM withdrawal fee: $.00ATM balance inquiry: $0.00
Debit card:Wells Fargo EasyPay CardMonthly maintenance fee: $5.00Card activation fee: $0.00ATM withdrawal fee: $0.00ATM balance inquiry: $2.00

*Not applicable; but free at MoneyPass ATMs.

Bankrate.com surveyed 30 prepaid debit card offers from Feb. 10-19, 2014. These are the resulting fees, restrictions and other card provisions.

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