With the Walmart MoneyCard Reloadable Prepaid Card, the $3 monthly maintenance fee will be waived with a $1,000 load each month, and you get ATM access through MoneyPass ATMs. Bankrate’s 2013 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.

Walmart MoneyCard Reloadable Prepaid Card (by GE Capital Retail Bank)

Are funds FDIC-insured? Yes
Monthly maintenance fee $3.00
Can the monthly fee be avoided? Yes, see notes
Card activation fee $3.00
ATM withdrawal fee (issuer’s ATM) N/A
Nonissuer’s ATM withdrawal fee, not including any bank fees $2.00
ATM balance inquiry $1.00
Fees for point-of-sale transaction $0.00
Fees for signature transaction $0.00
Paper statement fee N/A
Fee for customer service by phone $0.00
Declined transaction fee $0.00
Inactivity fee $0.00, closed after five months
Notes: Monthly maintenance fee waived with $1,000 load or reload each month, $3 reload fee at Wal-Mart or free if using a check. Reload fee at Green Dot retailers varies. No ATM fee at MoneyPass ATMs.

Bankrate.com surveyed 24 prepaid debit card offers from Feb. 12-19, 2014. These are the resulting fees, restrictions and other card provisions.

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