If youve decided a prepaid credit card is the perfect payment choice but you might not use it often enough to justify a monthly fee, then the Brinks Prepaid Mastercard and its pay-as-you-go plan could be a great fit. Fee is assessed to transferor's account when the transfer is The card comes with a mobile app . 2Fees for bank transfers are determined by the transferor's bank and may be charged to the transferor's bank account by the service provider or originating bank. See the There's no minimum spending or maximum rewards. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to: At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. now = new Date(); $9.95 per lost, stolen, or damaged Card replaced. create up to a $10.00 negative balance on your Card Account. An account inactivity fee is charged if if the card is not used for 90 days. What Are the Differences Between Federal and Private Student Loans? Check the banks website for the most current information. Find out how. - 8 PM. The best move by far is to accept the reduced monthly plan as a Brinks Preferred Benefit member, which requires $500 in qualifying direct deposits each month. Plan. Pros and Cons of Refinancing Your Mortgage, Questions to Ask Before Refinancing Your Mortgage, SuperMoney's Student Loan Refinance Marketplace, How To Get The Best Student Loan Refinance Rates. Bankrate.com does not include the entire universe of available financial or credit offers. Find Your Best Match for Student Loan Refinancing. Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. See the Cardholder Agreement for details. Unfortunately, your balance will be constantly nibbled into by the cast of fees that usually come with even the best prepaid cards. Set the dial to 0. If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%. Adding money to your Brink's Money Prepaid Mastercard is convenient. Sign Up Now. custom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment of prevention restrictions at any time, with or without notice. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. Any opinions, analyses, reviews or recommendations expressed in this article are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Ends 1/31/22. identity. Prepaid cards only allow you to spend money already in your account. Brinks Preferred Benefits members may choose to open an optional FDIC-insured savings account with Republic Bank & Trust Company. 2023 Bankrate, LLC. With the Brink's Prepaid MasterCard, you can get paid up to two days faster and manage your money anytime and anywhere. Ends 1/31/22. in electronic form. From bill pay to a mobile app, text alerts to a purchase cushion, the Brinks reloadable debit card is one of our top rated prepaid cards. transactions!5. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Residents of Vermont are ineligible to open a Card Account. There's no interest or late fees because it's not a credit card. They will tell you how to reload the card. No cost for online or mobile Account-to-Account Charges a monthly maintenance fee of up to $9.95. Brinks costs $39.99 to $49.99 a month, depending on which plan you choose. Once your Card arrives in the mail, activate your Card, and verify your identity1 with your name, address, date of birth and government ID number. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. With Brink's Money, everyone is eligible regardless of credit history,2 Once you activate your Brink's Money Prepaid MasterCard, you'll love the Brink's Money Program because it's: Fast and Convenient: No more waiting to get your paycheck. Cardholder is responsible for repayment of any negative balance. 6 Payback Rewards is an optional program. Void in U.S. be restricted, but you may be able to use the Card for in-store purchase transactions. document.write(theYear); *Card issued by Republic Bank & Trust Company, Member FDIC. Our experts have been helping you master your money for over four decades. At Bankrate we strive to help you make smarter financial decisions. You need a bank account to open aDiscover it Secured Credit Card, so if you choose it over the Brinks Prepaid, it may be helpful to open a Discover banking account. Get a free consultation from a leading credit card debt expert. Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. , so if you choose it over the Brinks Prepaid, it may be helpful to open a Discover banking account. Start to spend more time on the things that matter like family, friends and everyday life. Transfer of funds via ACH from your Card Account to your bank account at another financial Certain products and services may be licensed under U.S. Patent Nos. document.write(theYear); Prepaid Debit Cards from, in $2.50 per withdrawal, plus ATM owner fees, if any. You'll also get text alerts each time the card is used so you'll always know the balance and you'll remain protected from unauthorized purchases. The company you trust offers you the features and benefits you deserve to create a more convenient way to bank. The Brink's Prepaid Mastercard provides cardholders with an easy way to pay and manage money prior to opening a credit card or secured card account. No fee; standard text message or data rates may apply. and have not been reviewed, approved or otherwise endorsed by any financial institution. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. affiliation, or sponsorship, of or by SuperMoney or them of us. Which certificate of deposit account is best? Enroll in Direct Deposit to have your paycheck or government benefits onto your Card Account. 7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. Certain products and services may be licensed under U.S. Patent Nos. Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN. 5. Picture must meet Image Guidelines. represent all financial services companies or products. I've never heard of that type of card in the US, nor am I familiar with the California Bank that may clear Brinks US debit card transaction. Interest is You may have to pay a fee of up to $3.95 every time you load the card, Charges a $1.50 signature purchase transaction fee. - 10 PM. Features 10.0/10. Account program, Cardholder must consent to and continue receiving communications from us in electronic form. Brink's secures valuables around the world. CTA Banner. * Find surcharge free ATMs. Card use subject to activation and identity verification. the Average Daily Balance which is $1,000.00 or less will be 4.91%. Bankrate.com is an independent, advertising-supported publisher and comparison service. However, credit score alone does not guarantee or imply approval for any Most Common Mistakes When Filing Your Taxes, Best Tax Relief Companies with a Money-Back Guarantee, Best Tax Relief Companies with Lowest Fees, Best Tax Relief Companies with Tax Attorneys On Staff, Getting Out of Tax Debt: Strategies and Solutions. The Brinks Mastercard is a prepaid card designed for day-to-day purchases. Other prepaid cards like the Amex Serve Cash Back prepaid card may rake in more rewards and provide lower cost networks. (CT) Saturday - Sunday: 8 AM. IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. 4 Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. Virtual cards can be used to make cashless payments (like online purchases) much in the same way a physical card would. Save time don't wait in line to cash your check, Save money don't pay fees to cash your checks, Access to a Savings Account up to a 5.00% APY. LET'S TALK. All products, logos, and company names are trademarks or registered trademarks of their respective holders. See your Cardholder Agreement for details. But if youre a Brinks Preferred Benefits cardholder, the issuer may give you up to a $10 negative balance as a courtesy, offering some wiggle room if youre in a pinch. Should You Use a HELOC to Pay Off Credit Card Debt? Fees may apply.3, Use our mobile apps, Anytime Alerts and Online Account Center to access your money and Card Account wherever you are.6, With $500 in qualifying direct deposits, you get access to a $10 Purchase Cushion7, Reduced Monthly Plan8, and an optional Savings Account.9, The Brink's Show Me The Money Truck Sweepstakes is delivering cash prizes with a chance to win every month!.8. If Cardholder is subject to This card allows you to enroll in direct deposit to get paid up to two days earlier. No Minimum Balance, No Late Fees - because this is not a credit card The APYs were accurate as of var now = new Date(); var balanceDate = now.getMonth() + "/01/" + now.getFullYear(); document.write(balanceDate);. Youll earn 1 Payback Point per dollar on signature purchase transactions (just select credit on the keypad at checkout), minus your purchase fees. be associated with the funding and use of your card. Are you an existing customer? Use the Brink's Money Prepaid Mobile App to manage your account on the go and get text message or email alerts (Message & data rates may apply.) However, if used correctly, it can be handy in a bind and help people. 7. You can also text to 469-513-8685. How Prepaid Debit Cards Can Help You Budget, Compare Credit Counseling Services Reviews, Expert Tips On Repairing Your Credit Score, Re-Establishing and Restoring Your Credit, Compare Debt Settlement Companies Reviews. Netspend Corporation.All rights reserved worldwide. Use of Card Account also subject If you have a professional tax preparer, give them these Should You Hire a Debt Settlement Company or Do It Yourself? $1.00 per declined transaction. Its not a long-term option, but is a great short-term solution. 4 Fees for bank transfers are determined by the transferor's bank and may be charged to the transferor's bank account by the service provider Domestic ATMs only charge a $2.50 withdrawal fee. Netspend Corporation, a Global Payments Company (NYSE: GPN) is a leading provider of general-purpose reloadable (GPR) No late fees or interest charges because this is not a credit card. Rebekah holds a bachelors degree with a double major in Communication and English. If your identity is partially verified, full use of the Card Account will Activate your new Brink's Money Prepaid Mastercard and verify your identity. You'll receive a Card in the mail within 7-10 business days. Because Savings Account funds are withdrawn through the Card Account enrolled in the Monthly Plan and your Card Account has had no activity as described above, this fee applies instead of the Monthly Plan Fee. Compare real offers from multiple lenders. The owner of this website may be compensated in exchange for featured placement of certain You may also be charged a fee by the ATM operator. 6,000,608 and 6,189,787. As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it. 1IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Certain products and services may be licensed under U.S . Use of the Card Account is subject to activation, ID verification, and funds availability. Please contact them directly through their website (https://brinkshome.com) or their toll-free number (800-447-9239). Reverse Mortgages: When Do They Make Sense? (Residents of the State of Vermont are ineligible to open a Card Account). Because Savings Neither Plan Fee option includes any other fees. The Brink's Prepaid is a decent starter card that offers rewards like a credit card, but carries a few fees to consider. Greater of 5.0% of total check amount or $5.00 per check load. Keep in mind that if you want access to credit quickly, the Self Credit Builder Account with Secured Visa is not the path you should take. The offers that appear on this site are from companies from which Bankrate.com receives compensation. Even the rewards with the. Its hard to steer clear of these fees, especially considering the list of situational costs like a 4 percent foreign transaction fee, $5.95 90-day inactivity fee and even a $4.95 fee for a custom picture on your card. The information, including card rates and fees, is accurate as of the publish date. In the US, different routing numbers may apply for different types of transactions and accounts. For people without credit, the. transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Brink's Customer Service agent. IRS Tax Debt Relief Program: What Is It and Do You Qualify? Netspend is the federally registered U.S. service mark of Netspend Corporation. NO PURCHASE NECESSARY. Card may be used everywhere Debit Mastercard is accepted. Getting a Business Loan When You Have Bad Credit. If you plan to save your tax refund, this is the card for you. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. More from our insights library: The True Costs of Manual Cash Management Manual cash management costs businesses time and money. ; No late fees or interest charges because this is not a credit card. Approval review usually takes 3 to 5 minutes Skip to content. I mention reloading because it would be IMHO, the only reaso. Use of the Card Account is subject to activation, ID verification, and funds availability. Login. See the Cardholder Agreement for details. Savings Account and is paid quarterly. Enroll in Brink's Money Payback Points. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Can You Build Credit With a Prepaid Credit Card? Use of Card Account also subject Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. - 8 PM. Above that, the APY drops to 0.50 percent (0.49 percent variable interest rate), which isnt a terrible rate considering the current average APY. 6,000,608 and 6,189,787. With theDiscover it Secured Credit Card, you do have to put down a security deposit of at least $200, but you can enjoy rewards on your purchases, just like with the Brinks Prepaid, only without the purchase transaction fees if you opt for the pay-as-you-go plan. Greater of 2.0% of total check amount or $5.00 per check load. This caveat is worth considering since prepaid cards dont enjoy as many federal protections as debit and credit cards do. Home equity line of credit (HELOC) calculator. up to the coverage limit, currently $250,000.00. The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. +++To qualify for the Reduced Monthly Plan, your Card Account must receive qualifying direct deposits of paychecks and/or government benefits totaling at least $500 in one (1) calendar month. Card activation and identity verification required before you can use the Card Account. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. Fees 8.0/10. Cardholder Agreement for details. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. April Is Refinancing Your Student Loan Worth It? The interest rates and APYs of each tier may change. Terms apply to the offers listed on this page. Take our 3 minute quiz and match with an advisor today. We may also ask There are no fees for purchases, and the first late fee is even waived (up to $41 after that). 1, 2020. Instead, you might want to focus on earning a higher credit score with your card if you have less-than-perfect credit. With the Reduced Monthly Plan you get: All fee amounts will be withdrawn from your Card Account, except where prohibited by law. It's secure, fast, and free. After regularly featuring his credit card, credit monitoring and identity theft analysis on NextAdvisor.com, he joined the CreditCards.com and Bankrate.com teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers. Visit one of the over 130,000 Netspend Reload locations3, transfer2 money from a qualifying Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. [2] Payback Rewards SM Securing cash and valuables since 1859. Compare its features and fees in our detailed review. What differentiates the The Mango Prepaid Mastercard from the other prepaid cards on this list is its ridiculous savings account that lets cardholders earn up to 6.00% APY. Securing cash and valuables since 1859.; With Brink's Direct Deposit, you can get paid faster than a paper check. SuperMoney strives to provide a wide array of offers for our users, but our offers do not With Brink's Direct Deposit, you can get paid faster* than a paper check. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. Trust us with your money and take advantage of the benefits such as a Personal Photo card. Republic Bank & Trust Company and Mastercard are The Brink's Prepaid Mastercard is an opportunity for consumers to gain control of their finances and get paid up to two days faster1with direct deposit of your paychecks or government benefits. It's well-known and trusted by consumers and retailers alike, has an enormous network, and this prepaid credit card has pretty low fees compared to others in the industry. purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00. This product is The Brinks Prepaid Mastercard can be helpful in a financial pinch for people who are unbanked or who cant open a traditional checking account. Fee applies if there are funds in the Card Account and the Card Account has had no activity, i.e., no purchases; no cash withdrawals; no load transactions; and no Balance Inquiry Fee for ninety (90) days. But with Brink's Complete, they can improve savings & reduce the hours it takes to handle cash. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Brink's Prepaid Mastercard 1-877-849-3249 Monday - Friday: 8 AM. reduce the interest earned on the Savings Account. Brink's, Incorporated operates in the State of Texas under DPS License C00550 * Get direct deposit information. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by . if (theYear < 1900) theYear = theYear + 1900; No fee to receive Another feature is the $10 Purchase Cushion: Brinks will create a $10 negative balance on the account to cover any overdrafts. For consumers, the Brink's Money card can be used in stores, restaurants and online, and provides access to cash at ATMs around the world. if (theYear < 1900) theYear = theYear + 1900; Earn one (1) point per dollar spent on signature purchase transactions (not including any applicable fees). Standard text message or data rates may apply. $5.95 for processing and mailing of a return of funds check at Card Account closure. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Order a Brink's Money Prepaid Mastercard and get the peace of mind you deserve. . Percentage taken of total check amount. The APYs were accurate as of Just direct deposit $500 or more in payroll or government benefits in a calendar month to your Card Account. We maintain a firewall between our advertisers and our editorial team. Check the information is accurate and submit your application. It may be worth looking into another prepaid credit card with a more straightforward redemption option, such as cash back. Plus, when you Direct Deposit at least $500 in payroll or government benefits in a calendar month onto your Brink's Money Prepaid Card, you're eligible for the Reduced Monthly Plan. However, Visa cards tend to offer more perks on base cards than Mastercard credit cards, and the Brinks Prepaid is also missing the Netspends virtual card number and additional savings account banking options. You'll receive a Card in the mail within 7-10 business days. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. * See the online application for details about terms and conditions for these offers. Our editorial team does not receive direct compensation from our advertisers. The Brink's Money Prepaid Mastercard combines the security of Brink's with the flexibility and power of Netspend. Can you run a netspend card as credit? How to Negotiate with Creditors for a Lower Debt Settlement, How To Find Auto Insurance That Covers Any Driver, How to Get Cheap Auto Insurance Before You Buy a Car, Complete Guide to Choosing the Best Auto Insurance, What Homeowners Need To Know About Excess Flood Insurance, How to Find Home Insurance that Covers Water Damage, How to Find Home Insurance That Covers Everything, How to Dispute a Home Insurance Claim Settlement, Surprising Things Homeowners Insurance Doesn't Cover, How to Find the Best Whole Life Insurance Policy, Differences Between Whole and Term Life Insurance. Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Brink's Prepaid Mastercard is issued by Republic Bank & Trust Company, which is based in Louisville, KY and was founded in 1982. Brink's Money Prepaid Mastercard Activate your Brink's Money Paycard, verify your identity, [1] and learn more about its features here. If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of What Are Collateral-Free Unsecured Business Loans? However, it will not help you build credit and some online merchants don't accept prepaid cards. If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of Notice this card charges a monthly maintenance fee of up to $9.95. Prepaid cards operate like debit cards in that you cant spend beyond your cards balance. Login. Up to $3.95 per load. Getting a Mortgage With a Smaller Down Payment and No PMI. If you wish to change to another Plan, just call 1 (877) 8493249 or visit. In those cases, the Brinks Prepaid Mastercard is a solid prepaid credit card that offers a bit more flexibility than some competitors with its pay-as-you-go plan and $10 negative balance cushion. If your identity is partially verified, full use of the Card Account will be restricted, Your wireless carrier may charge a fee for message and data usage. Netspend is a registered agent of Republic Bank & Trust Company. (CT) brinksmoneypayroll@brinksinc.com Brink's Paycard 1-855-627-4657 Monday - Friday: 6 AM. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. 3 Fee may be assessed by reload location and may vary from location to location. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. 6. There is no minimum balance. Details about bill payment methods are available in the Online Account Center. This compensation may impact how and where products appear on this site to fraud prevention restrictions at any time, with or without notice. 8. Residents of Vermont are ineligible to open a Card Account. Points can be redeemed for cash back in the form of account credits, but you must log in to the Online Account Center or mobile app to see your other reward choices. 8 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. This is a third-party fee and is subject to change. Login. You can use your Brink's Money Prepaid Mastercard to pay for just about anything. All other trademarks and service marks belong to their owners. or originating bank. If your identity is partially verified, full use of the Card Account will No minimum balance necessary to open Savings Account or obtain the yield(s). Brink's Money Paycard - Cardholders. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. While we adhere to strict Personal Loan Vs. Line Of Credit: Which Is Better? Certain products and services may be licensed under U.S. Patent Nos. No charge for this service, but your wireless carrier may charge for messages or data. Use your Brink's Money Prepaid Mastercard to shop online, in stores, on the phone basically anywhere Debit Mastercard is accepted! Fee varies Per transfer. If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly
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