Your Credit, Looking Free Deposits The Green Dot Prepaid Visa card lets you make direct deposits onto your card for free. APY may change before or after you open an account. Repair Guide, Lexington Active, personalized card required. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Review, Dispute Fill In Your Number. And the other neato thing is that my FICO scores (EQ and EX which have updated recently) already show Green Dot as a new credit card account! A $5 card replacement fee will apply. Lock and unlock your card* if misplaced, fraud alerts via text message,* chip-enabled card for extra protection. Application and approval process are quick and easy. See, Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Oh! You may only transfer money in or out of the Vault 20 times per day. For general information about prepaid accounts, visitcpfb.gov/prepaid. for Fair Credit, Cards Visithttps://www.ingomoney.com/partners/greendot-terms-conditions/for complete details. This answer was first published on 09/02/20. Ratio Calculator, See SeeDeposit Account Agreement (PDF)for terms and conditions. ReportingBuild It, Identity ProtectionGuard Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. It's free and available to anyone, whether or not you have a Capital One product. Meanwhile you can read full answer Law Review, CreditRepair.com Mobile number verification, email address verification and mobile app are required to access all features. Rewards. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. Furthermore, if your FICO score is close to or higher than 539, then your chance of approval Account must be in good standing and chip-enabled debit card activated to opt in. Get, Search Partner terms and conditions apply. APY may change before or after you open anaccount. Fees on your primary deposit account may reduce earnings on your savings account. Only salaried individuals can apply for the card. This is a secured card that does not issue a traditional line of credit. WalletHub is not a financial advisor, law firm, lawyer referral service, or a substitute for a financial advisor, attorney, or law firm. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Overdraft protection is only available on eligible Demand Deposit Accounts. You dont need a checking account to apply for one of these cards. Green Dot Platinum Visa Secured Credit Card. The system will ask for your card number or Social Security number along with your . Important Rates: Consumers can apply for the Green Dot Platinum Visa card online in minutes. Uses for this type of card may include budgeting funds, adding deposits for later use, building a credit rating (if issuer reports to the credit bureaus), and possibly more.This card contains the brand of Visa, where acceptance is global. So far, so good. In, Rent & Utility Additional customer verification may be required. About Credit Cards, Credit Not a gift card. How do I apply for the Green Dot Platinum card? Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our. Your Cardholder Agreement may be different, login to see your Cardholder Agreement. All checks are subject to approval for funding in Ingo Moneys sole discretion. Overdrafts are paid at our discretion. Bottom Line - I wasn't able to fund my Wells Fargo prepaid card with gift cards. Account must be in good standing and chip-enabled debit card activated to opt-in. The Green Dot Platinum Visa does offer a relatively high potential credit line of up to $5,000. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739. How It, Cards That Are Easy to Check the data at the top of this page and the bank's website for the most current information. Overdrafts are paid at our discretion. 2.00%Annual Percentage Yield (APY) is accurate as of October 2022. Your credit limit is equal to the amount of your security deposit, which you can add to at any time. The card reports your credit activity to. The $5 promo code offer is valid only for users who successfully use the $5 promo code in the Ingo Money app before the promo code expires on 12/31/23. Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Online access, mobile number verification (via text message) and identity verification (including SSN) are required to open and use your account. Any opinions expressed are those of Credit.com alone, and have not been reviewed, approved, or otherwise endorsed by the issuer(s). 2023 Green Dot Corporation. Click "Activate Card" to finish the process. Does Credit Repair Work, The Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. Activate a new Green Dot or GO2bank card at select retail stores or financial service centers, then direct deposit your federal or state refund and one qualifying direct deposit of $500+ by 6/30/23 to get your $25 reward. Visit https://www.fdic.gov/regulations/resources/rates/to learnmore. APY may change before or after you open an account. Accounts, How to Repair Your Thank you for considering Golden 1 Credit Union. The card has a refundable security deposit that acts as your credit limit. Once your new card arrives in the mail, you can make your security deposit at any participating retail store for $4.95 and begin using your card in minutes. Fill in the application form. The minimum security deposit for this card is $200. Fees on your primary deposit account may reduce earnings on your savings account. Account funds are FDIC-insured up to the allowable limits through Green Dot Bank, Member FDIC upon verification of Cardholders identity. See app for participating retailers.. Other card fees apply. Visithttps://www.fdic.gov/regulations/resources/rates/to learn more. See If You Pre-Qualify. 2.00% Annual Percentage Yield (APY) as of October 2022. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. Is a Good Credit Score? Card Payoff Calculator, Debt-to-Income Cash back is earned on qualifying online and mobile purchases. Visit, Ingo Money will provide all customer service for mobile check cashing using the Ingo Money App. Account must be in good standing and chip-enabled debit card activated to opt-in. The Green Dot Prepaid Card has a $10,000 maximum balance limit, a $3,000 daily spending limit and a $400 daily ATM withdrawal limit all of which are onpar with other prepaid cards. Florida, Illinois, Minnesota, New Jersey, and West Virginia are excluded from Credit Card Bill Pay transactions. Green Dot Secured cards come with benefits for users: You do have to be 18 years or older, and there are some annual fees. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Terms and conditions apply. A $15 fee may apply to each eligible purchase transaction that brings your account negative. How to Start Building You can apply for the Green Dot Platinum card by filling out the application online. The $5 promotional incentive will be added to your approved check amount and transaction detail will be maintained in your Green Dot transaction history. Your wireless carrier may charge a fee for data usage. Elisa has been with Credit.com since 2014, when she started out a Free Fees may apply. Savings account rates arebased on the $2,500 product tier of insured depositoryinstitutions for which data is available. to Start Building Credit, All If youre ready to start building your credit, then a Green Dot secured credit card may be the right option for you. The content on this page is accurate as of the posting date; however, some of our . When on a mobile device, tap on * to view disclosures. Contact Green Dot Bank by calling (866) 795-7597 or the number on the back of your Card, by mail at P.O. 4.50% Annual Percentage Yield (APY) as of January 2023. with opt-in and eligible direct deposits*, when you buy eGift cards from over 100 popular merchants in the GO2bank app*, Earn 10x the national savings rate average*, Get your pay up to 2 days early with direct deposit and your government benefits up to 4 days early.*. Updated February 17, 2022 The Green Dot Platinum Visa Credit Card is a secured credit card that doesn't require a credit check when you apply. These registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Blog Home > Credit Cards > Credit Card Reviews > Green Dot SpotlightBuilding Your Credit. Marriott Bonvoy American Express * Card. Because Green Dot reports your card usage and payments to all 3 major credit bureaus, you can use your Green Dot Platinum card to build credit over time . Applying will not hurt your credit score and you'll receive a decision almost instantly. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. Annual Percentage Yield (APY) is accurate as ofOctober 2022 andmay change before or after you open an account. All Rights Reserved. It's fast and easy to compare card offers by the criteria you require. All rights reserved. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. APY may change before or after you open an account. Card Reviews, How Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Up to $1,000 credit limit subject to credit approval. Opt-in required. Rebuilding. See app for free ATM locations. You can put down anything from $200 to $5,000. Overdraft protection is only available on eligible Demand Deposit Accounts. You can apply for the Green Dot Platinum card by filling out the application online. Green Dot prepaid debit cards offer a solid banking alternative for consumers. Additional transaction fees, costs, terms and conditions may be associated with the funding use of your card or account. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Initial and ongoing eligible direct deposits are required for overdraft coverage. This question is about GO2bank Credit Cards. Work, The Truth about Credit American Express . And for other account management options, like payments, balance monitoring and other features, you may find it more convenient to log in to your, make the security deposit online with a debit card, free of charge, or with cash at any participating. If your application is timed-out due to inactivity, you must start the application from the beginning. How to apply for a Green Dot Platinum Visa secured credit card It's relatively easy to qualify for a Green Dot Platinum Visa secured credit card. Benefits include free in-network ATM withdrawals, online bill pay and up to 2% interest on balances. Theres no fee on your first late payment and you can pre-qualify for the card without impacting your credit score. Enter your card number or SSN (Social Security number) and follow the voice prompts to manage your account or get connected to a customer service representative. read full answer, By Mail: Contact Green Dot Visa Secured Credit Card customer service by mail for billing disputes, questions about your account and general correspondence at the following address: Card Services P.O. Solid banking alternative for Consumers the beginning funds are FDIC-insured up to %! Costs, terms and conditions carrier may charge a fee for data usage any company, free. Page is accurate as ofOctober 2022 andmay change before or after you open an account Platinum card by out... 1 Credit Union wasn & # x27 ; ll receive a payroll or government benefits direct in! Agreement ( PDF ) for terms and conditions may be associated with the funding use of your card or... Card offers by the criteria you require the Vault 20 times per.! 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