load green dot moneypak to my card

RushCard prepaid Visa card. Unlimited by Green Dot Bank Load money at thousands of retailers2 or deposit checks directly from your phone.3. The only reason to use a MoneyPak or other reload PIN is to add money to your own prepaid debit card, or PayPal account, or one that belongs to. 292 reviews for Green Dot, 1.5 stars: “I closed my account on September 14 I was given a Green Dot prepaid visa card loaded with $20 for my birthday.

Load green dot moneypak to my card -

MoneyPak


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Источник: https://www.moneynetwork.com/reload/greendot/

Scammers now accepting Green Dot MoneyPaks

Dinah Keck didn’t realize the caller was a crook. The caller told the 70-year old, who lives near Ann Arbor, Mich., that she had won $3.5 million dollars in a lottery.

All she had to do was pay $3,500 to cover administrative fees and taxes and the check would be on its way. Those payments would be made via Green Dot MoneyPaks – $1,300 upfront and then $200 a month.

Keck went to the store, bought the MoneyPaks and gave the “award company” the PIN codes to access $1,500.

Thankfully, she contacted the Better Business Bureau before she sent the bad guys any more.

“I will never see that money again,” Keck said. “I’m behind in paying all of my bills because of what I did.”

Scammers still use wire transfers and credit card numbers to fund their frauds, but cash-load PINS, like those used by Green Dot, have become the new preferred payment method.

“It’s an easy way for them to get someone’s money without being traced,” said Katherine Hutt, director of communications at the Council of Better Business Bureaus. “We’ve seen numerous cases where people have been defrauded out of thousands of dollars this way.”

The Better Business Bureau in St. Louis recently reported on a Missouri man who lost his life savings to prize scammers. Over the course of many months, he sent them $41,000 using Green Dot MoneyPaks.

How the scam works

A MoneyPak lets you go to a supermarket or drug store (more than 60,000 places nationwide) and convert cash into digital currency that can be loaded onto a prepaid debit card or added to a PayPal account.

The MoneyPak card you buy at the store is a deposit slip. It gives you access to that money via the 14-digit authorization code on the back.

“As soon as the victim gives the scammer that code, they use it to load all of your money onto their prepaid card,” explained Karen Hobbs at the Federal Trade Commission. “Then they can run to an ATM and get all of the money in cash or they go to an electronics store and buy things that are easily fenced. Once that money is offloaded, it is essentially irretrievable.”

A number of companies provide a cash-load service for prepaid debit cards. Green Dot is the leader in this industry and therefore the most requested by the bad guys.

“We do not want people to be victimized by fraudsters who try to steal their money this way,” said Green Dot spokesman Brian Ruby. “We hope people will see the yellow warning that is now on the MoneyPak card, right above where you scratch to get the card number.”

“Use your MoneyPak number only with business listed at www.moneypack.com. If anyone else asks you for your MoneyPak number, it’s probably a scam. If a criminal gets your money, Green Dot is not responsible to pay you back.”

The prepaid card industry is keenly aware of the fraud problem and is working to thwart the bad guys.

“We’re setting up systems to identify when a prepaid card is getting several reloads via PINs followed immediately by cash coming off the card, especially when it’s in a foreign country,” explained Terry Maher, general counsel for the Network Branded Prepaid Card Association. “That would trigger an alert and the card could be blocked.”

Lies and more lies

MoneyPaks are now used for a variety of scams that involve an upfront payment for a service that is never performed, such as advance fees to get a loan, a grant or a credit card.

They’re also a popular payment method for all sorts of prize, sweepstakes and lottery scams.

The con artist who called 67 year old Jean (she asked that we not use her last name) told her she had won a million dollars in the Publisher’s Clearing House Sweepstakes.

Jean, who lives near Cleveland, was skeptical, but she had entered the contest. The caller spent a lot of time talking to her about how the check would be presented on TV.

“I hope you’re not scamming me,” she told him.

“Oh no, we wouldn’t do that,” he said. “We’re the real thing.”

Jean says he was “very smooth” and had an answer to all of her questions. She remembers that he kept telling her someone from the Better Business Bureau would be there when the check was delivered.

By the time she realized she’d been duped, Jean had given the phone crook $5,000 loaded onto Green Dot MoneyPaks.

“That’s a lot of money,” she said. “If I can get the word out and stop just one more person from being taken, it’s worth it to me.”  

Be advised:  Publisher’s Clearing House does not operate this way. They never ask for money to claim a prize award.  In a fraud alert on its website, the company says:

“PCH employees would never contact you personally or in advance to notify you of a prize award.  Our prize awards are presented just the way you see in our popular TV commercials, ‘live and in person’ by our Prize Patrol, with balloons, champagne and check in hand - - and with no advance notification!”

Also, the Better Business Bureau does not help companies give out prize awards.

 “A lot of scammers use our name to gain credibility,” said the BBB’s Katherine Hutt. “We do not participate with any contest, lottery or giveaways.”

Remember: with legitimate contests you never have to pay to claim your prize. If there are any federal taxes to pay, that’s between you and the IRS.

Don’t get burned

The only reason to use a MoneyPak or other reload PIN is to add money to your own prepaid debit card, or PayPal account, or one that belongs to a close family member.

“You should never let anyone convince you to buy a reload PIN or MoneyPak and give them that authorization number,” warned Terry Maher with the prepaid card industry. “If anyone tells you that, it’s a guaranteed scam.”

 Should you fall for the slick pitch and realize you’ve been taken, call Green Dot right away. They may be able to freeze the funds on the scammer’s card, if it hasn’t been offloaded.

Better yet, know the warning signs of a scam and protect that PIN number just like you would cash – because that’s what it is: digital cash. Green Dot has these fraud prevention tips:

  • Only use a MoneyPak with businesses on the approved list, found at www.moneypak.com
  • Never give the number to a private individual

If you’ve been burned this scam, report it to the Federal Trade Commission, the Better Business Bureau, or Fraud.org. You may be able to help protect others.

More Information:

AARP: Beware of Green Dot MoneyPak Scams

FTC: Prize Offers

FTC: Using Money Transfer Services

Herb Weisbaum is The ConsumerMan. Follow him on Facebook and Twitteror visit The ConsumerMan website.

Источник: https://www.today.com/money/scammers-now-accepting-green-dot-moneypaks-1C8721925

Green Dot MoneyPak Scam: How to Protect Yourself

Green Dot MoneyPak scams have been around for years. Fraudsters pretend to be utility companies, government agencies, or others and ask for payment in the form of a MoneyPak. Here’s what to know.

What is Green Dot's MoneyPak?

What it is: A MoneyPak is a legitimate card sold by prepaid company Green Dot Corp. that has one job: moving cash from a retail counter onto an eligible prepaid debit card, including Green Dot- and Walmart-branded cards. It also works with some bank accounts.

» Learn more:How do prepaid debit cards work?

How to use one: Buy a MoneyPak at major retailers such as CVS or 7-Eleven, for a fee of up to $5.95, and add cash amounts generally from $20 to $500. Keep your receipt. Next, log onto www.moneypak.com to enter the card number and apply funds to your prepaid account. You must have internet access, an email address and a phone that handles text messages to use the latest MoneyPak cards.

When it’s helpful: If you deal with cash and don’t use traditional bank accounts, MoneyPak is an easy way to add funds onto certain prepaid debit cards. Millions of Americans use prepaid cards as an equivalent to checking accounts.

» Be aware: MoneyPak scams aside, a NerdWallet investigation of Green Dot revealed the company had a history of freezing prepaid accounts when handling fraud disputes.

How the scam works

Here is how two common scenarios start:

  • Someone calls claiming to be your utility company and says you’re overdue on a payment. They might threaten to turn off your power unless you send the money using a MoneyPak.

  • A scammer calls pretending to be the IRS and says you owe taxes. They might threaten to arrest you unless you pay using a MoneyPak.

In either case, the scammer then gives you a phone number to call or an email address, and once you buy the MoneyPak, they ask you to scratch off the serial number on the back and share it.

These scams caught the attention of the U.S. Senate in 2014, but they’ve existed before and since. The National Consumers League told NerdWallet that the nonprofit sent out an alert in late 2017 about a newer scam, fake MoneyPak websites, in response to an increase in consumer complaints it had received.

More MoneyPak scam variations exist, but the result is the same: You hand over funds to scammers in a way that’s difficult to track. And once someone uses your MoneyPak number, you can’t reverse the transaction or receive a refund from Green Dot.

3 ways to protect yourself from MoneyPak scams

  1. Never give a MoneyPak number to someone you don’t know. No legitimate government agency or company will ask for payment using a MoneyPak.

  2. Research any company that calls about money you owe. By law, debt collectors must send a debt validation letter that describes your debt. If they refuse, you can challenge their claim. Also, look up the phone number of the organization the caller claims to represent (not the caller ID), dial it and confirm its representative called you. The IRS, for example, will never call to issue threats or demand instant payment.

  3. When using a MoneyPak, be sure to type in www.moneypak.com in a web browser and double-check the spelling. You don’t want to end up on a fake website.

For more information, see NerdWallet’s guide to identity theft and cybersecurity.

What to do if you’re a victim

  1. Contact your local police department immediately to report fraud.

  2. Send a fraud claim form to Green Dot and hold onto your MoneyPak receipt. This brings the case to Green Dot’s attention and it’ll try to recover your money. If the scammer hasn’t used the MoneyPak number and Green Dot recovers the money, it asks for proof of purchase before returning funds. Note, though, once someone uses your MoneyPak number, you can’t receive a refund.

  3. Submit a complaint to the Federal Trade Commission, which collects fraud reports nationwide.

  4. Spread the word. Tell friends and family about the scam so they can watch out.

Источник: https://www.nerdwallet.com/article/banking/fraudsters-scam-victims-green-dot-moneypak-card

Reload your prepaid card or mobile phone in the U.S.

* Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

1 Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).

2 Card issuer cash advance fee and associated interest charges may apply. Use a debit card to avoid these fees and charges.

Источник: https://www.westernunion.com/us/en/reload/how-to-reload.html

How To Transfer Money From Greendot Card To Bank Account Easily

Greendot prepaid cards are no less than a blessing with their outstanding features like online bill payment, quick money transfers, and much more.

However, to make the best use of the you need to know how to transfer money from Greendot card to bank account and how to proceed with other type of fund exchange.

You may not be aware of these procedures yet but that’s what we are here to do! By the end of this reading, you will be flipping your Greendot prepaid card like a pro.

Quick Overview of How To Transfer Money From Greendot Card To Bank Account

To transfer money from Greendot card to Paypal or bank account you must be aware of its routing number and your account number.

These are specific and should be provided by the card issuer himself. If you are not aware of the data, you can log in to your card’s account and learn the information following the protocol below.
  • Open your card account.
  • Click on Add Money.
  • Scroll down to find Account number and Routing number.

You can easily use it to transfer money to your friends and relatives without incurring any charges. Visit paybis.com, it simple, easy, and straightforward.

Another approach is to link you card to a bank account and then use that account to make transfers. This may sound complicated but it really isn’t.

The verification process will require you to make small transfers to ensure that the card and the account are, in fact, set up.

After that you can transfer the cash of your choice to your prepaid card. Following pointers sum of the transfer process.

  • Enter the amount you want to send.
  • Choose the account you want to send it to.
  • Choose the card you have to use.

Basics of How Greendot Cards Work

Greendot prepaid cards let you accept government deposits, make transfers, or receive paychecks. You can also use the online card account to deposit checks safely.

Since this is a prepaid card, you need to load money on to it. Once you have sufficient funds, you can use it just like debit cards. It works at all locations nationwide where VISA card is applicable.

Did You Know? There are few locations that allows free cash withdrawal from the account when you check out. This includes 7-Eleven and Kroger.

You can withdraw $500 from the card in a day. However, this amount might change depending on the prepaid card that you are using.

For example, you can withdraw $500 with Walmart Money Card at the ATM. On the other hand, Walmart register lets you take out $1000 per day.

Pros and Cons of Owning a Greendot Prepaid Card

What’s good and what’s bad? Let us take a look!

Transfer Money From One Account To Another

Perhaps the biggest advantage of this service is that you can transfer money to which ever account you want as long as it exists within the US.

All you need is the recipients information such as email ID and mobile number. The transfer is quick and the money is made accessible right away.

Easily Load Money To Your Card Using Another Bank Account

It is easy to keep this card up and running as you can make deposits to it through any other bank account. Other parties such as your friends and families can send you money as well.

Greendot does not charge for this service but fees may apply depending on the bank you are using to make the transfer.

Avoid Monthly Charges

Is the though of monthly charges weighing you down? No need to worry because you can avoid it simply by depositing at least $1,000 every month.

Note! Greendot monthly charges are set at $7.95.

Free of Overdraft Fees

You are allowed to make an overdraft via prepaid card without any fee. However, we suggest you are careful with any such move because you will be charged if the balance falls below $0.

No Credit Checks

The credit card application does not require you to present a decent credit report or even a credit history.

It is specifically meant for people who could not afford a credit card due to poor score. You can quickly get accepted for this card and then make use of its features right away.

No Expensive Check-Cashing Services

Greendot lets you avail cash checks for free. You can make a direct or online deposit via the app and choose to subscribe to alert services that keep you informed about account activity.

Free of Cost Online Bill Payment

This is another convenient feature that you can enjoy with Greendot prepaid card. It will let you surpass the need for expensive paper checks and even allow you to schedule bill payments without any additional charges.

VIP Program

Its VIP program is open to all (of course, with some extra charges!). You will be waived off ATM fee and withdrawal charges by joining VIP member list. On top of that, you will also become company’s preferred customer for support and service.

Charges on ATM Transactions

Since Green dot does not own an ATM network of its own, it charges an addition fee when using another bank for this action.

Penalty Fee If Balance Falls Below $0

Users have to deposit funds to the prepaid card in order to use it. If the existing balance falls below $0, the company will charge additional fee. This would be deducted when you again top-up your account.

Expensive Paper Checks

This may come as a surprise but Greendot charged a lot for paper check. A dozen will cost around $5.95 which is considerably higher compared to other similar services. Moreover, you need to get them approved via mobile app before use.

How To Get Your Green Dot Prepaid Card Right Now

Are you ready to become Greendot prepaid cardholder? You can get yourself registered at the closest retail store. We will walk you through the procedure in easy words but before that you must check if you fulfil the eligibility criteria. This includes:

  • You must be a legal resident in the US.
  • You must have valid social security number.
  • All applicants are required to be of age 18 years or more.

Now here is what you need to do in order to apply:

  • Visit the official Greendot website.
  • Click on Other Products.
  • Click on Prepaid cards.
  • Choose the card you want to apply for and click on Learn More to become aware of terms and conditions.
  • Move forward by providing personal information such as full name, residential address, contact number, date of birth, social security number, etc.

You might have to visit the nearest store to obtain your prepaid card.

Greendot Prepaid Card Features – Highlights

You can start using the card as soon as you receive it. Some of the benefits you get to enjoy immediately are listed below.

  • Monthly fee waiver on deposit of $1000 every month.
  • Access to impeccable mobile app.
  • Direct deposit via online account.
  • Extremely supportive customer service.

Transferring Money With Greendot Cards

Greendot Prepaid card can serve as a ready-to-use source of money that you can refill online and use it to transfer funds to other accounts as well.

Below we will talk about some of the money transfers associated with the card and how you can perform them.

Transfer Money From Green Dot To PayPal

You can quickly transfer money from Greendot to Paypalaccount as well as other bank accounts as per your need. The send money feature is easily accessible and you can avail of it any time you need.

All you need is a personalized Greendot card in order to complete this exchange. Moreover, carefully enter the recipient’s information so you don’t end up sending it to the wrong person.

MoneyPak also allows you to link Greendot and PayPal account. This is quite helpful when you have to make purchases at eBay, Walmart, or Amazon.

Note! Greendot card allows up to $1100 per load. This amount can vary from one retailer to another.

When you wish to transfer funds to account of several different account, you will be asked to provide routing number.

Transfer Money From Greendot To Cash App

This one’s easy! Here are the steps you should follow to move funds from your Greendot account to Cash App.

  • Create Cash App on your smartphone. The procedure is same for Android and iPhone.
  • Click on Building’s icon.
  • Tap on My Cash.
  • Locate Cash and Bitcoin section.
  • Press + Add Bank under this section.
  • Choose whether you wish to add debit card or credit card.
  • Enter your card’s information on the next window that opens.
  • Press Add Card.

You card will be linked to Cash App immediately.

Transfer Money To Greendot Card Using a Credit Card

A Greendot debit card can be obtained much like a credit card. It is affiliated with VISA and MasterCard. Furthermore, this is one of the easiest card to be approved for and it helps you improve your credit score quickly.

Since this is a debit card, you would need to transfer funds to it in order to use them later on. Only with adequate funds can you use the card to make purchases. You can load money to your card in two different ways.

Method 1: Visit Nearby Register

Reloading Greendot card at the Register is one of the most convenient method to get this done. Retail locations where reload is possible are present at various spots and we are sure you can find one closest to you.

Just make sure that you have your card with you at the time of the reload and inform the cashier the amount you wish to deposit.

Method 2: Use MoneyPak

Unfortunately, the only website of Greendot does not have card reload feature yet. Although we are hopeful the improvement will be made soon, there is another way to deposit funds to your card online.

MoneyPak.com!

You can use this service to refill Greendot card. The funds are transferred immediately. Since MoneyPak is available to all, it can be used by students and teenagers to transfer funds as well.

Transfer Money Off Greendot Card At Walmart

You can make immediate purchase with your card at Walmart. The cashing service will transfer the pay roll or the check to your account so you don’t need to worry about carrying cash with you.

Cashing fee, limits, reload fee, and card balance limits are applicable. Also keep in mind that these services are not available in all stores and states.

Accept Money On Greendot Card From Someone’s Account

You can receive funds on your Greendot card from another account. The process is similar to how you transfer funds from the card. The steps include:

  • Log in your Greendot card account.
  • Navigate to Pay Bills and People.
  • Select Pay People.
  • Type in the required information of the recipient. You would be asked to provide name, email ID, contact information, etc.
  • Lastly, choose the amount you wish to send.
  • Click on Continue.
  • Review data and press Send Money.

Send Money From Greendot Card To Someone’s Account

At some point you might need to share the money you have in your card with a friend or a relative. You can easily do that as long as you are a legal resident in the US and have a valid email ID or mobile number.

  • Open your Greendot card account.
  • Navigate to Pay Bills and People.
  • Choose Pay People option.
  • Provide recipient’s information including name, email ID, mobile number, etc.
  • Choose the amount you wish to send.
  • Click Continue.
  • Review the information one more time and then tap Send Money.

How to add Another Card to Green Dot Account

Luckily Enjoy the amazing option to another card linked with Green Dot account, you need to call this number (866) 291-0818. You will be asked the identification and complete details like social security number, phone number and card holder’s relation with you to link the card.

Wrap Up

Online banking has made it easier to move funds from one account to another. However, in order to that correctly and securely, you must have the right knowledge of how it works. Hopefully, this article could teach you a thing or two about how to transfer money from Greendot card to bank account.

It is easy to see why so many customers currently own a Greendot card: there is not credit history requirement yet it is a perfect choice to rebuild credit score. Hopefully, it would help you manage your finances in simple and straightforward manner.

Frequently Asked Questions About How to Transfer Money From Greendot Card To Bank Account

How much do I pay when I load on Green Dot card?

You have to pay at least $1.95 as a general fee with this card. On top of that, $7.95 service fee implies. This can be waived off if you choose to deposit at least $1000 every month.

Can I increase the amount that is possible to withdraw from Greendot card?

Yes. It is possible to increase the amount you can withdraw at the ATM by calling (866) 795-7597 customer support team.

Can I send money from my Greendot card to Cash app?

Yes you can easily do this by tapping on My Cash in Cash App and clicking + Add Bank. Then provide your card information and select Add Card. Once the two accounts are linked, you can continue to transfer money to Cash App.

Related Posts

Источник: https://www.thegigcity.com/transfer-money-from-greendot-card-to-bank-account/

How to Load Your Walmart Money Card

The Walmart MoneyCard is a debit card that requires no bank account or credit check and therefore avoids overdraft fees. The MoneyCard is one of many prepaid debit card options that have come on the market over the last several years for those who are unable or unwilling to get traditional bank accounts. Available in either Visa or MasterCard versions, the card can be used not only at Walmart but also at any retailer that accepts Visa or MasterCard.

Key Takeaways

  • Walmart’s low-cost prepaid debit card, the MoneyCard, requires no existing bank account and can be funded via direct deposit.
  • In addition to direct deposit, the MoneyCard can be loaded at store registers, at Walmart MoneyCenters, or with your Internal Revenue Service (IRS) tax refund, among others.
  • There are fees tied to MoneyCard, including a monthly service fee (which can be waived).

Loading the Walmart MoneyCard

Money can be added to Walmart MoneyCards via direct deposit, Walmart store reload, online transfer, or tax return deposit.

1. Direct Deposit

Payroll checks or your government benefits can be loaded directly onto a MoneyCard through direct deposit. This service is free, and you can opt to deposit all or part of your check. Employers may notify the bank of direct deposits up to two days before the official “payday,” and Walmart will then transfer funds to the card early.

2. Walmart Reload

This option allows you to add money to your card at Walmart locations, which can cost up to $5.95. Cash deposits are free using the Walmart MoneyCard app at Walmart stores. For these deposits, you can deposit cash by touching the Deposit tab in the Walmart MoneyCard app and selecting “Deposit Cash using the Walmart MoneyCard App.”

3. Online Transfer

An online transfer typically takes one to three business days, and there is no reloading fee. However, your bank may charge fees on the electronic transfer.

4. Tax Refund

If you electronically file your income taxes, you can opt to directly deposit your refund onto your Walmart MoneyCard; no reloading fee applies. You send your card number and mobile phone number to Walmart, which then texts you the direct-deposit information that you enter into your tax forms. The standard Internal Revenue Service (IRS) processing time applies, although e-filing typically allows you to receive a refund more rapidly than filing by mail.

Benefits of the Walmart MoneyCard

The MoneyCard offers many of the benefits found on all Visa and MasterCard debit cards, including fraud protection. A free online bill-paying service is also included. You can send money orders, get paper checks, or set recurring monthly payments for bills such as for your auto insurance. These cards also allow you to send funds to friends or family anywhere in the United States.

You can also earn cash-back rewards by shopping at Walmart.com and via the Walmart app (3% cash back), Walmart fuel stations (2%), and Walmart retail stores (1%). The limit for cash-back rewards is $75 a year.

Walmart MoneyCard Fees

The MoneyCard costs $1 and can be purchased at any Walmart store. The card has a $5.94 monthly service fee, which is waived if you had direct deposits totaling $500 or more in the previous month. ATM and teller cash withdrawals cost $2.50, while withdrawals at Walmart stores are free. Meanwhile, cash reload costs $3 at Walmart stores and up to $5.95 for other reload locations. Other fees include a 3% foreign transaction fee and $0.50 for balance inquiries at ATMs. There’s also a $5.95 charge for a 12-pack of checks and a $3 fee for card replacement (or $15 for expedited delivery).

How to Get a Walmart MoneyCard

Getting a Walmart MoneyCard is easy. You can order one online through the Walmart MoneyCard website, and your card will arrive in two weeks. To avoid waiting for the mail, you can purchase a card directly at any Walmart store. You must be age 18 or older and will have to deposit money to your card before you can start using it. Opening the account requires a valid Social Security number, and mobile or email verification and the mobile app are required to be able to access all account features.

FAQs

How do I find the routing and account numbers for a Walmart MoneyCard?

Once your account is registered, you can get your account and routing number by texting “DD” to 37267, logging into the app or your online account, or calling Cardholder Customer Service at 1-877-937-4098. Be aware that the numbers on your card are not the same as your account number.

What is the account balance limit on a Walmart MoneyCard?

The maximum balance for a Walmart MoneyCard is $10,000. Most competitors have a maximum balance of $3,000.

Can someone else put money on my Walmart MoneyCard?

The cheapest way for someone else to put money on your Walmart MoneyCard is for them to transfer the money from their bank to your MoneyCard using your routing and account numbers. If they can’t do a bank transfer, or if you need money more quickly, they can purchase a MoneyPak at most retailers (including Walmart) for $5.95 and deposit cash into your account that way.

Can I deposit a check to my Walmart MoneyCard?

Yes, you can deposit a check using the mobile Walmart MoneyCard app on your phone. First, make sure that the check is made out to you, then sign your name on the back of the check and put “For Mobile Deposit Only.” To be able to use the Mobile Check Deposit feature in the app, your account must be in good standing, and you must have had at least four direct deposits within the last two months and at least one point-of-sale card transaction within the last month.

What is the limit for a single direct deposit to a Walmart MoneyCard?

The maximum amount for a single direct deposit to a Walmart MoneyCard is $2,999. The maximum total account balance is $10,000.

Does a Walmart MoneyCard have overdraft protection?

Yes, if you opt in. The amount of overdraft coverage is dependent on the deposits that you receive. You get $10 of overdraft coverage if you receive a single direct deposit of any amount in your account. You get $100 of overdraft coverage if you receive at least two direct deposits totaling $200+ within a 35-day period. You get $200 of overdraft coverage if you receive at least two direct deposits totaling $400+ within a 35-day period.

The Bottom Line

The Walmart MoneyCard comes with a number of free services and other benefits, especially for frequent Walmart shoppers. It also offers a convenient number of ways to load money onto the card. However, other prepaid debit cards and mobile banking options offer lower fees, larger ATM networks, and more free services. The Walmart MoneyCard does offer earlier access to deposits than many traditional banks, but with much stricter limits and fees. Research your options before you make a final choice.

Источник: https://www.investopedia.com/articles/personal-finance/112315/6-ways-load-your-walmart-money-card.asp

New: Crooks Use Green Dot Scam for Advance Fee Fraud

Debit Card

Green Dot reloadable debit cards become latest weapon in widespread government grant scams: Internet Scambusters #361

Today's special issue highlights a scam you probably have never heard about, but one that is easy to fall for: the Green Dot scam.

Reloadable debit cards -- especially the top-selling, legitimate Green Dot cards -- are the new money-moving method of choice for scammers.

Using phony government loans as a front for an advance fee scam, the crooks issue bogus grant checks, then tell victims they must pay a fee by reloading their debit cards.

And that's not the only new tactic being employed by the grant scam artists, as we explain in this issue.

Let's get started...


NEW: Crooks Use Green Dot Scam for Advance Fee Fraud


Green Dot reloadable debit cards are the latest weapon for crooks working a well known type of grant scam.

The con itself is a type of advance payment scam in which victims receive what seems to be a grant award check -- usually one they didn't apply for -- with a request that they then wire part of the payment back to cover some mythical fees.

You know the rest -- the victim wires the money, then the check bounces.

Now that so many people have wised up to this type of fraud, scammers have hit on the idea of using the legitimate Green Dot card system to collect their money.

Along with the bogus check, usually for just under $5,000, an accompanying letter says recipients must pay a finder's fee of 10% to the "broker" who secured the grant.

Now here's the sneaky trick. The letter tells victims to buy a Green Dot MoneyPak, of the sort available at many retail outlets including drug stores.

MoneyPaks are used to top up existing Green Dot debit cards. The victim sends details of the card to the "broker." These are used to top up the crook's own Green Dot card -- and then quickly drained at an ATM.

In other words, it's a money transfer that bypasses the traditional cash-wiring companies and offers a far more effective cloak of anonymity for the advance fee scammers.

But There's More...

To add to the effectiveness of this con, the grant scam artists use another trick to delay their discovery. They use "legitimate" checks from active verifiable bank accounts -- either stolen or forged.

This means that banks may accept them without query and the money may even show up in victims' accounts. A few weeks later, their bogus status is revealed -- by which time the victim has bought the MoneyPak and sent the details to the scammer.

Additional New Grant Scams

This con trick is just the tip of the grant scams iceberg. In a previous issue, The Truth About Government Grant Scams, we explained how crooks were using the availability of government grants as a cover for scamming individuals and businesses.

With the economy still struggling to emerge from recession, these government grant scams have become more brutal than ever, with many new variations popping up.

On the advance fee type of scam, for instance, another new ruse is to set up supposed debt consolidation and grant companies with a religious tag attached.

Scammers use faith-related words like "Christian" in the business name, both to give it credibility and to draw in victims from these faiths. And, of course, they don't care that you're already in a financial mess before they soak you for a few hundred (or more) dollars.

There could hardly be more devastating evidence of the heartlessness of scammers than in a recent incident in Detroit where unemployment is 28%, with 60% of people now existing below the poverty line.

Hardly surprising that when the city announced a grant program to help the needy with food and rent, 60,000 people turned up on a single day to complete application forms.

Sadly, only a few thousand grants were available and the city quickly ran out of forms at the public application event.

Enter the scammers, armed with worthless photocopies of the form. The forms, even the copies, clearly stated that applications would only be accepted on original documents. Copies would not be accepted.

But that didn't stop the scammers charging $20 apiece. And, according to a city official, they did a brisk business.

Still More Grant Scams...

Also riding the grant scam gravy train comes a whole raft of money-making schemes disguised as information, training or job opportunities.

Some of these are perfectly legal, but legit or not, they all aim to cash in on people's ignorance.

Some are not scams: they just charge exorbitant seminar attendance fees or website access fees to provide information that is easily available free of charge.

However, some clearly cross the scam line. How about this for a sneaky trick:

You sign up for a grant-search service that seems to call for a one-off credit card payment, with a money-back guarantee. You scrutinize the fine print. Everything looks OK, so you enter your details and press "submit."

The page disappears then re-appears with the form fields empty, as though something went wrong, so you patiently fill it in again, and this time it's accepted.

If you didn't check the fine print again -- and why would you? -- you won't have noticed that it's a slightly different form and this time you're signing up for a service that requires regular payments, drawn on your credit card!

What's more, by doing so, you nullified the money back guarantee.

Summary

Our advice can be summarized in these four tips:

  1. If you want to know what government grants are available, ask the government. Start at the Grants.gov or Govloans.gov sites. Don't be fooled by other sites that have 'government' or other official words in the title.
  2. If you decide to pay someone for grant advice, check out their credentials carefully and make sure you know what you're paying for. Don't be taken in by suggestions of religious affiliation.
  3. Check out your local community college for possible advice or courses that will help you understand the grants that are available, without paying through the nose.
  4. There are no guarantees that you will get a grant, no matter who you apply to or what forms or software you use. You're unlikely to improve your chances of getting cash by using paid-for materials.

Oh and don't forget where we started here. If you get a grant check you didn't expect and a request for a Green Dot fee payment, trash it!

Time to conclude for today -- have a great week!

Источник: https://scambusters.org/greendot.html

How to Load Your Walmart Money Card

The Walmart MoneyCard is a debit card that requires no bank account or credit check and therefore avoids overdraft fees. The MoneyCard is one of many prepaid debit card options that have come on the market over the last several years for those who are unable or unwilling to get traditional bank accounts. Available in either Visa or MasterCard versions, the card can be used not only at Walmart but also at any retailer that accepts Visa or MasterCard.

Key Takeaways

  • Walmart’s low-cost prepaid debit card, the MoneyCard, requires no existing bank account and can be funded via direct deposit.
  • In addition to direct deposit, the MoneyCard can be loaded at store registers, at Walmart MoneyCenters, or with your Internal Revenue Service (IRS) tax refund, among others.
  • There are fees tied to MoneyCard, including a monthly service fee (which can be waived).

Loading the Walmart MoneyCard

Money can be added to Walmart MoneyCards via direct deposit, Walmart store reload, online transfer, or tax return deposit.

1. Direct Deposit

Payroll checks or your government benefits can be loaded directly onto a MoneyCard through direct deposit. This service is free, and you can opt to deposit all or part of your check. Employers may notify the bank of direct deposits up to two days before the official “payday,” and Walmart will then transfer funds to the card early.

2. Walmart Reload

This option allows you to add money to your card at Walmart locations, which can cost up to $5.95. Cash deposits are free using the Walmart MoneyCard app at Walmart stores. For these deposits, you can deposit cash by touching the Deposit tab in the Walmart MoneyCard app and selecting “Deposit Cash using the Walmart MoneyCard App.”

3. Online Transfer

An online transfer typically takes one to three business days, and there is no reloading fee. However, your bank may charge fees on the electronic transfer.

4. Tax Refund

If you electronically file your income taxes, you can opt to directly deposit your refund onto your Walmart MoneyCard; no reloading fee applies. You send your card number and mobile phone number to Walmart, which then texts you the direct-deposit information that you enter into your tax forms. The standard Internal Revenue Service (IRS) processing time applies, although e-filing typically allows you to receive a refund more rapidly than filing by mail.

Benefits of the Walmart MoneyCard

The MoneyCard glenview state bank review many of the benefits found on all Visa and MasterCard debit cards, including fraud protection. A free online bill-paying service is also included. You can send money orders, get paper checks, or set recurring monthly payments for bills such as for your auto insurance. These cards also allow you to send funds bank of america home mortgage customer service number friends or family anywhere in the United States.

You can also earn cash-back rewards by shopping at Walmart.com and via the Walmart app (3% cash back), Walmart fuel stations (2%), and Walmart retail stores (1%). The limit for cash-back rewards is $75 a year.

Walmart MoneyCard Fees

The MoneyCard costs $1 and can be purchased at any Walmart store. The card has a $5.94 monthly enterprise bank and trust new mexico fee, which is waived if you had direct deposits totaling $500 or more in the previous month. ATM and teller cash withdrawals cost $2.50, while withdrawals at Walmart stores are free. Meanwhile, cash reload costs $3 at Walmart stores and up to $5.95 for other reload locations. Other fees include a 3% foreign transaction fee and $0.50 for balance inquiries at ATMs. There’s also a $5.95 charge for a 12-pack of checks and a $3 fee for card replacement (or $15 for expedited delivery).

How to Get a Walmart MoneyCard

Getting a Walmart MoneyCard is easy. You can order one online through the Walmart MoneyCard website, and your card will arrive in two weeks. To avoid waiting for the mail, you can purchase a card directly at any Walmart store. You must be age 18 or older and will have to deposit money to your card before you can start using it. Opening the account requires a valid Social Security number, and mobile or email verification and the mobile app are required to be able to access all account features.

FAQs

How do I find the routing and account numbers for a Walmart MoneyCard?

Once your account is registered, you can get your account and routing number by texting “DD” to 37267, logging into the app or your online account, or calling Cardholder Customer Service at 1-877-937-4098. Be aware that the numbers on your card are not the same as your account number.

What is the account balance limit on a Walmart MoneyCard?

The maximum balance for a Walmart MoneyCard is $10,000. Most competitors have a maximum balance of $3,000.

Can someone else put money on my Walmart MoneyCard?

The cheapest way average american savings 2020 someone else to put money on your Walmart MoneyCard is for them to transfer the money from their bank to your MoneyCard using your routing and account numbers. If they can’t do a bank transfer, or if you need money more quickly, they can purchase a MoneyPak at most load green dot moneypak to my card (including Walmart) for $5.95 and deposit cash into your account that way.

Can I deposit a check to my Walmart MoneyCard?

Yes, you can deposit a check using the mobile Walmart MoneyCard app on your phone. First, make sure that the check is made out to you, then sign your name on the back of the check and put “For Mobile Deposit Only.” To be able to use the Mobile Check Deposit feature in the app, your account must be in good standing, and you must have had at least four southeast financial federal credit union deposits within the last two months and at least one point-of-sale card transaction within the last month.

What is the limit for a single direct deposit to a Walmart MoneyCard?

The maximum amount for a single direct deposit to a Walmart MoneyCard is $2,999. The maximum total account balance is $10,000.

Does a Walmart MoneyCard have overdraft protection?

Yes, if you opt in. The amount of overdraft coverage is dependent on the deposits that you receive. You get $10 of overdraft coverage if you receive a single direct deposit of any amount in your account. You get $100 of overdraft coverage if you receive at least two direct deposits totaling $200+ within a 35-day period. You get $200 of overdraft coverage if you receive at least two direct deposits totaling $400+ within a 35-day period.

The Bottom Line

The Walmart MoneyCard comes with a number of free services and other benefits, especially for frequent Walmart shoppers. It also offers a convenient number of ways to load money onto the card. However, other prepaid debit cards and mobile banking options offer lower fees, larger ATM networks, and more free services. The Walmart MoneyCard does offer earlier access to deposits than many traditional banks, but with much stricter limits and fees. Research your options before you make a final choice.

Источник: https://www.investopedia.com/articles/personal-finance/112315/6-ways-load-your-walmart-money-card.asp

How do I add a MoneyPak to my GreenDot card?

Pick up a MoneyPak in the prepaid or gift card section, take it to the register, and the cashier will collect your load green dot moneypak to my card to be loaded onto the card plus the $5.95 service fee.

Click to see full answer.

Herein, how do you load a Greendot card with a MoneyPak?

Just purchase a MoneyPak at a participating store near you and create a secure login at MoneyPak.com to add money to a card. You can send $20-$500 for a flat fee of $5.95. MoneyPaks only work with activated prepaid or bank debit cards. Prepaid cards must be embossed with the cardholder's name.

Also Know, how do I add MoneyPak to my bank account? How it Works

  1. Buy a MoneyPak. Check that the prepaid or bank debit card to be used accepts MoneyPak.
  2. Create a secure login. First-time users will need to create a Secure Login on Moneypak.com.?
  3. Complete the deposit. Enter the MoneyPak number and 16-digit prepaid or bank debit card number to add the funds.

what kind of cards accept MoneyPak?

MoneyPak is accepted by most Visa, Mastercard and Discover debit cards, plus 200+ prepaid debit card brands. Check that the prepaid or bank debit card accepts MoneyPak. Funds can be deposited to any eligible, activated prepaid or bank debit card.

Can you purchase green dot MoneyPak online?

You don't need an online account to load green dot moneypak to my card a MoneyPak, but you must open one to load the funds from the MoneyPak onto a prepaid debit card. To open an account, go to the website.

Источник: https://askinglot.com/how-do-i-add-a-moneypak-to-my-greendot-card

New: Crooks Use Green Dot Scam for Advance Fee Fraud

Debit Card

Green Dot reloadable debit cards become latest weapon in widespread government grant scams: Internet Scambusters #361

Today's special issue highlights a scam you probably have never heard about, but one that is easy to fall for: the Green Dot scam.

Reloadable debit cards -- especially the top-selling, legitimate Green Dot cards -- are the new money-moving method of choice for scammers.

Using phony government loans as a front for an advance fee scam, the crooks issue bogus grant checks, then tell victims they must pay a fee by reloading their debit cards.

And that's not the only new tactic being employed by the grant scam artists, as we explain in longest home run citizens bank park issue.

Let's get started.


NEW: Crooks Use Green Dot Scam for Advance Fee Fraud


Green Dot reloadable debit cards are the latest weapon for crooks working a well known type of grant scam.

The con itself is a type of advance payment scam in which victims receive what seems to be a grant award check -- usually one they didn't apply for -- with a request that they then wire part of the payment back to cover some mythical fees.

You know the rest -- the victim wires the money, then the check bounces.

Now that so many people have wised up to this type of fraud, scammers have hit on the idea of using the legitimate Green Dot card system to collect their money.

Along with the bogus check, usually for just under $5,000, an accompanying letter says recipients must pay a finder's fee of 10% to the "broker" who secured the grant.

Now here's the sneaky trick. The letter tells victims to buy a Green Dot MoneyPak, of the sort available at many retail outlets including drug stores.

MoneyPaks are used to top up existing Green Dot debit cards. The victim sends details of the card to the "broker." These are used to top up the crook's own Green Dot card -- and then quickly drained at an ATM.

In other words, it's a money transfer that bypasses the traditional cash-wiring companies and offers a far more effective cloak of anonymity for the advance fee scammers.

But There's More.

To add to the effectiveness of this con, the grant scam artists use another trick to delay their discovery. They use "legitimate" checks from active verifiable bank accounts -- either stolen or forged.

This means that banks may accept them without query and the money may even show up in victims' accounts. A few weeks later, their bogus status is revealed -- by which time the victim has bought the MoneyPak and sent the details to the scammer.

Additional New Grant Scams

This con trick is just the tip of the grant scams iceberg. In a previous issue, The Truth About Government Grant Scams, we explained how crooks were using the availability of government grants as a cover for scamming individuals and businesses.

With the economy still struggling to emerge from recession, these government grant scams have become more brutal than ever, with many new variations popping up.

On the advance fee type of scam, for instance, another new ruse is to set up supposed debt consolidation and grant companies with a religious tag attached.

Scammers use faith-related words like "Christian" in the business name, both to give it credibility and to draw in victims from these faiths. And, of course, they don't care that you're already in a financial mess before they soak you for a few hundred (or more) dollars.

There could hardly be more devastating evidence of the heartlessness of scammers than in a recent incident in Detroit where unemployment is 28%, with 60% of people now existing below the poverty line.

Hardly surprising that when the city announced a grant program to help the needy with food and rent, 60,000 people turned up on a single day to complete application forms.

Sadly, only a few thousand grants were available and the load green dot moneypak to my card quickly ran out of forms at the public application event.

Enter the scammers, armed with worthless photocopies of the form. The forms, even the copies, clearly stated that applications would only be accepted on original documents. Copies would not be accepted.

But that didn't stop the scammers charging $20 apiece. And, according to a city official, they did a brisk business.

Still More Grant Scams.

Also riding the grant scam gravy train comes a whole raft of money-making schemes disguised as information, training or job opportunities.

Some of these are perfectly legal, but legit or not, they all aim to cash in on people's ignorance.

Some are not scams: they just charge exorbitant seminar attendance fees or website access fees to provide information that is easily available free of charge.

However, some clearly cross the scam line. How about this for a sneaky trick:

You sign up for a grant-search service that seems to call for a one-off credit card payment, with a call bank mobile vibe customer service guarantee. You scrutinize the fine print. Everything looks OK, so you enter your details and press "submit."

The page disappears then re-appears with the form fields empty, as though something went wrong, so you patiently fill it in again, and this time it's accepted.

If you didn't check the fine print again -- and why would you? -- you won't have noticed that it's a slightly different form and this time you're signing up for a service that requires regular payments, drawn on your credit card!

What's simmons first bank anywhere login page, by doing so, you nullified the money back guarantee.

Summary

Our advice can be summarized in these four tips:

  1. If you want to know what government grants are available, ask the government. Start at the Grants.gov or Govloans.gov sites. Don't be fooled by other sites that have 'government' or other official words in the title.
  2. If you decide to pay someone for grant advice, check out their credentials carefully and make sure you know what you're paying for. Don't be taken in by suggestions of religious affiliation.
  3. Check out your local community college for possible advice or courses that will help you understand the grants that are available, without paying through the nose.
  4. There are no guarantees that you will load green dot moneypak to my card a grant, no matter who load green dot moneypak to my card apply to or what forms or software you use. You're unlikely to improve your chances of getting cash by using paid-for materials.

Oh and don't forget where we started here. If you get a grant check you didn't expect and a request for a Green Dot fee payment, trash it!

Time to conclude for today -- have a great week!

Источник: https://scambusters.org/greendot.html

Green Dot MoneyPak Scam: How to Protect Yourself

Green Dot MoneyPak scams have been around for years. Fraudsters pretend to be utility companies, government agencies, or others and ask for payment in the form of a MoneyPak. Here’s what to know.

What is Green Dot's MoneyPak?

What it is: A MoneyPak is a legitimate card sold by prepaid company Green Dot Corp. that has one job: moving cash from a retail counter boone county mo jail inmates an eligible prepaid debit card, including Green Dot- and Walmart-branded cards. It also works with some bank accounts.

» Learn more:How do prepaid debit cards work?

How to use one: Buy a MoneyPak at major retailers such as CVS or 7-Eleven, for a fee of up to $5.95, and add cash amounts generally from $20 to $500. Keep your receipt. Next, log onto www.moneypak.com to enter the card number and apply funds to your prepaid account. You must have internet access, an email address and a phone that handles text messages to use the latest MoneyPak cards.

When it’s helpful: If you deal with cash and don’t use traditional bank accounts, MoneyPak is an easy way to add funds onto certain prepaid debit cards. Millions of Americans use prepaid cards as an equivalent to checking accounts.

» Be aware: MoneyPak scams aside, a NerdWallet investigation of Green Dot revealed the company had a history of freezing prepaid accounts when handling fraud disputes.

How the scam works

Here is how two common scenarios start:

  • Someone calls claiming to be your utility company and says you’re overdue on a payment. They might threaten to turn off your power unless you send the money using a MoneyPak.

  • A scammer calls pretending to be the IRS and says you owe taxes. They might threaten to arrest you unless you pay using a MoneyPak.

In either case, the scammer then gives you a phone number to call or an email address, and once you buy the MoneyPak, they ask you to scratch off the serial number on the back and share it.

These scams caught the attention of the U.S. Senate in 2014, but they’ve existed before and since. The National Consumers League told NerdWallet that the nonprofit sent out an alert in late 2017 about a newer scam, fake MoneyPak websites, in response to an increase in consumer complaints it had received.

More MoneyPak scam variations exist, but the result is the same: You hand over funds to scammers in a way that’s difficult to track. And once someone uses your MoneyPak number, you can’t reverse the transaction or receive a refund from Green Dot.

3 ways to protect yourself from MoneyPak scams

  1. Never give a MoneyPak number to someone you don’t know. No legitimate government agency or company will ask for payment using a MoneyPak.

  2. Research any company that calls about money you owe. By law, debt collectors must send a debt validation letter that describes your debt. If they refuse, you can challenge their claim. Also, look up the phone number of the organization the caller claims to represent (not the caller ID), dial it and confirm its representative called you. The IRS, for example, will never call to issue threats or demand instant payment.

  3. When using a MoneyPak, be sure to type in www.moneypak.com in a web browser and double-check the spelling. You don’t want to end up on a fake website.

For more information, see NerdWallet’s guide to identity theft and cybersecurity.

What to do if you’re a victim

  1. Contact your local police department immediately to report fraud.

  2. Send a fraud claim form to Green Dot and hold onto your MoneyPak receipt. This brings the case to Green New t mobile one plan attention and it’ll try to recover your money. If the scammer hasn’t used the MoneyPak number and Green Dot recovers the money, it asks for proof of purchase before returning funds. Note, bank of america swift code for international transfer, once someone uses your MoneyPak number, you can’t receive a refund.

  3. Submit a complaint to the Federal Trade Commission, which collects fraud reports nationwide.

  4. Spread the word. Tell friends and family about load green dot moneypak to my card scam so they can watch out.

Источник: https://www.nerdwallet.com/article/banking/fraudsters-scam-victims-green-dot-moneypak-card

MoneyPak


All features may not be available. To see the features available to you, please log in to the Money Network Mobile App and view your navigation menu, or log into your Account online and view your dashboard.

© Money Network Financial, LLC. All Rights Reserved. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Money Network® Checks and Money Network® Cards are issued by MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc and by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Money Network Card is accepted everywhere Visa debit cards are accepted.

Google Play and the Google Play logo are trademarks of Google LLC. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

Источник: https://www.moneynetwork.com/reload/greendot/

Green Dot Bank Review 2021: Alternative Banking Using a Debit Card and Mobile App

Reviews / Banking

Our Take: Green Dot is most known for its prepaid card products for people who don't have a bank account. The company also offers Green Dot Bank -- a Federal Deposit Insurance Corp.-backed alternative to traditional banking for customers comfortable with banking without a teller. This Green Dot Bank review will help you understand how it works and whether it's worth signing up for an account.

  • Fees
  • Ease of Use
  • Mobile App and Digital Experience
  • Availability

How did we calculate this?

Pros

  • No overdraft fees
  • Free cash deposits at participating retailers
  • Early direct deposit -- two days early for paychecks, up to four days early for government benefits
  • Can deposit cash at many retailers

Cons

  • Comes with a learning curve since it's not a traditional type of bank
  • Limited to one checking and one high-yield savings account
  • Interest paid annually

About Green Dot Bank

Green Dot Bank seems like a new banking idea, but it’s been around for 20 years. Although Green Dot Bank is designed to provide online-only real banking services using the mobile app and the bank’s debit card, you can still handle cash deposits and withdrawals at over 90,000 participating local retailers, including 7-Eleven, Kroeger, Rite Aid and Walmart. GOBankingRates has ranked it as one of the Best Online Banks of 2021.

Green Dot Bank Products

Green Dot Bank isn’t considered a full-service banking platform because it only provides basic banking services. 

ProductFeatures
Checking Account
  • 2% cash back on online and mobile app purchases
  • Comes with a debit card
  • $7.95 monthly maintenance fee
  • Early direct deposit
Savings Account
  • High-yield interest earnings of 2%
  • Free in-network ATM withdrawals
  • Free cash deposits at participating retailers when using the mobile app

Take a closer look at how Green Dot Bank accounts work.

Green Dot Bank Checking Account Review

Green Dot Bank isn’t your typical traditional bank. You’ll have only one type of checking account, known as Unlimited by Green Dot, available. The good news is you won’t have many fees to contend with other than the $7.95 monthly fee, which can be waived if you spend $1,000 or more each month with your debit card.

You can open an account online by purchasing a debit card for $1.95 at a retail store or ordering one online. Activate it as instructed on the card and download the Green Dot Bank mobile app. Top up your account with some money at a participating retailer or by setting up direct deposit.

Features

  • 2% cash back on purchases
  • Early direct deposit — get paychecks up to two days early, government benefits up to four days early
  • Can make deposits at participating retailers such as Walmart, Rite Aid and Kroeger

Pros

  • No expensive overdraft fees to worry about
  • No ATM fees when using an in-network ATM
  • Pay bills, shop using debit card

Cons

  • No interest earned 
  • Must spend $1,000 or more in debit card transactions to waive the $7.95 per month fee

Green Dot Bank Savings Account Review

Opening an Unlimited Cash Back Bank Account comes with a linked high-yield savings account. To the bank’s credit, the account is fee-free.

Features

  • 2% annual percentage yield on funds up to $10,000
  • Allows transfers between high-yield savings and Green Dot Unlimited debit card

Pros:

Cons:

  • $3 fee for out-of-network ATM withdrawals

Banking Experience

Green Dot Bank’s services are useful, but limited. They’re coastal commerce bank locations for someone interested in making basic bill payments, and for those who don’t mind visiting a 7-Eleven or Walmart location to deposit funds.

Customer Service

If you need help, you’ll need to navigate through the online chatbot to get directed to the right article in the knowledgebase. You can also call for help at 866-795-7597.

Accessibility

There are no Green Dot Bank branches, but the financial institution works with a list of major retailers where you can make deposits:

  • 7-Eleven
  • Ace Cash Express
  • CVS
  • Dollar General
  • Family Dollar
  • Kroger
  • Rite Aid
  • Safeway
  • Walgreens
  • Walmart

Mobile and Digital Experience

The bulk of your banking happens through the mobile app. Green Dot Bank reviews from customers using the mobile app are as follows:

  • Google Play: 4.2 out of 5 stars, 53k votes
  • App Store: 3.6 out of 5 stars, 7.2k votes

You can securely access your account to:

  • Activate a new account.
  • Deposit checks using your phone.
  • Manage your transactions.
  • View balances.
  • Pay bills.
  • Send friends money.
  • Access chat-based customer support.
  • Find ATMs and participating retailers near you.

Convenience and Ease of Use

The easiest way to set up a Green Dot Bank account is by enabling direct deposit or depositing your paycheck through the mobile app. You’ll avoid having to visit a local retailer to deposit cash. Once your fund deposits are on autopilot, paying bills and buying merchandise is simple — your debit card takes the place of checks and cash.

How To Open an Account

To get started, purchase a debit card for $1.95 at a retail store, or sign up for an account online to receive your card in the mail. Once you have the card, activate it by following the instructions on the card label. Download the Green Dot Bank mobile app and set up an account with a username and password. Set up direct deposit, deposit a check using the app and a smartphone or visit a local retailer to deposit cash into your new Green Dot Bank account.

Key Information

Customer Service Number: 866-795-7597

Routing Number: 124303120

Green Dot Bank Fees

Green Dot Bank’s fees are minimal when you stick with the account’s basic functions. Fees to watch out for include:

Green Dot Bank vs. Competitors

BankBest For
Green Dot BankCash back on your spending
Chime BankNo fees
Ally BankFull-service online banking
Radius BankUnlimited ATM reimbursements

Green Dot Bank vs. Chime Bank

Both Green Dot and Chime Bank have a simple model of a spending account with a debit card and a linked high-yield savings account. Although Chime Bank has fewer fees, Green Dot pays cash back on your debit card purchases.

Green Dot Bank vs. Ally Bank

Ally Bank provides a comprehensive list of online-only banking services other banks in this comparison don’t offer. Besides accounts, you can invest your money and borrow from a range of loan and mortgage options. But Greet Dot pays higher rates on savings accounts.

Green Dot Bank vs. Radius Bank

Radius Bank reimburses you an unlimited amount of Free credit card numbers with money 2018 fees, so you can withdraw from wherever is most convenient for you. If you don’t withdraw cash often, Green Dot is a better choice because it pays more cash back on purchases.

Final Take

If you’re in search of a low-cost and different way to handle your banking via a mobile app, Green Dot Bank could be a good option. Once you’re armed with the mobile app and debit card, most of your basic banking tasks can be taken care of easily. To get started, sign up for an account to receive a card in the mail, or pick one up at a participating retailer near you.

Editor’s Favorite

If you need your paycheck the moment it’s available, Green Dot’s early direct deposit feature is worth signing up for. You’ll get paid up to two days early from your employer and four days early on government benefit payments.

Green Dot Bank FAQ

Here are answers to some of Green Dot Bank’s more commonly asked questions.
  • Is Green Dot Bank FDIC insured?
  • Is Green Dot a real bank?
    • Although Green Dot operates a little differently from most banks, it's a real bank. You can open a checking account, order checks for a fee, pay bills and make deposits. The difference is, in-person deposits can be made at a retail store, such as Walmart or CVS, instead of at a bank.
  • How can I deposit cash to my Unlimited Cash Back Bank Account?
    • There are over 90,000 retail store locations where you can deposit cash for free, such as 7-Eleven, Kroger, Walmart and Rite Aid. You'll need to set up the deposit on the mobile app and visit a cash register at one of the participating store locations.
  • How do I keep my Unlimited Cash Back Bank Account eligible to earn unlimited 2% cash back?
    • Keep your account active and in good standing for at least 12 months, and you'll be eligible to earn 2% cash back on your mobile and online purchases.
  • Can I open a high-yield savings account separate from the Unlimited Cash Back Bank Account?
    • Unfortunately, you can't open a standalone savings account. You'll need to have an Unlimited Cash Back Bank Account and debit card before you can open a high-yield savings account.
  • Does Green Dot Bank offer free money for signing up for an account?
    • The current Green Dot Bank promotion pays you $15 when you activate a card by April 30 and receive your tax refund by direct deposit, and receive two payroll or government-benefit direct deposits of at least $500 each by June 30.

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About load green dot moneypak to my card Author

Cynthia Paez Bowman is a personal finance writer with degrees from American University in international business and journalism. Besides writing about personal finance, she writes about real estate, interior design and architecture. Her work has been featured in MSN, Brex, Freshome, MyMove, Emirates’ Open Skies magazine and more.

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