See the Cardholder Agreement for details. Certain products and services may be licensed under U.S . Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. Cardholder is responsible for repayment of any negative balance. Brink's Prepaid Mastercard is issued by Republic Bank & Trust Company, which is based in Louisville, KY and was founded in 1982. 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 determined and assessed by operator of Netspend Reload Network No late fees or interest charges because this is not a credit card. No minimum balance necessary to open Savings Account or obtain the yield(s). Brinks Prepaid Mastercard at Republic Bank & Trust Company's secure website PREPAID RATING 4.8 OVERALL RATING 3.7/5.0 Our Review Brink's gives you the peace of mind you deserve. Netspend is a registered agent of Republic Bank & Trust Company. 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. 2023 Bankrate, LLC. 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. 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. His areas of expertise include credit card strategy, rewards programs, point valuation and credit scores, and his stories on building credit have been cited by Mic.com, LifeHacker, People.com and more. 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 Securing cash and valuables since 1859. However, if you need a checking account and have no access to a traditional one, the Brinks can be helpful. Fee is assessed to transferor's account when the transfer is How to Find a Money Transfer Service Near Me? transfer conducted through a Netspend Customer Service agent. Consolidating vs. bank account, or get paid up to 2 days faster8 with no-cost Direct Deposit. All checks are subject to approval for funding in Ingo Money's sole discretion. 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 The Brink's Money Prepaid Mastercard combines the security of Brink's with the flexibility and power of Netspend. The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. The company's mission is to develop person and may be one indicator to the credit type you are eligible for. 5 The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. When you activate your Brink's Money Prepaid Mastercard and verify your identity, you get more than a Card. Republic Bank & Trust Company is not affiliated in any way with this optional offer and does not endorse or sponsor this offer. $9.95 per lost, stolen, or damaged Card replaced. Fill in the application form. document.write(theYear); The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by . Standard text message or data rates may apply. LET'S TALK. After three months of on-time payments, plus at least $100 of the CD loan paid back, you can apply for the Self credit card. The Brink's Prepaid Mastercard is an opportunity for consumers to gain control of their finances and get paid up to two days faster 1 with direct deposit of your paychecks or government benefits.. (CT) Saturday - Sunday: 8 AM. Your wireless carrier may charge a fee for message and data usage. Set the dial to 0. How much should you contribute to your 401(k)? Order a Brink's Money Prepaid Mastercard and get the peace of mind you deserve. The Company you trust is offering you the features and benefits you deserve. Check the information is accurate and submit your application. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Theres no upfront card purchase fee, but youll have to pay up to $3.95 just to reload your cards cash balance. If Netspend Corporation.All rights reserved worldwide. Card details Highlights Brink's gives you the peace of mind you deserve. Prepaid cards operate like debit cards in that you cant spend beyond your cards balance. April 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. affiliation, or sponsorship, of or by SuperMoney or them of us. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated Along with card spending, your most sizable reward opportunities are unlimited $20 referral bonuses if individuals you refer put at least $40 on their cards. Unapproved checks will not be funded to your card. Use your Brink's Money Prepaid Mastercard to shop online, in stores, on the phone basically anywhere Debit Mastercard is accepted! See online custom card FAQs and the Fee Schedule in the Cardholder Agreement. The interest rates and APYs of each tier may change. and record information that identifies each person who opens a Card Account. There's no minimum spending or maximum rewards. Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could Fee Bankrate, LLC NMLS ID# 1427381 | NMLS Consumer Access 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. custom card requires resubmission of image and payment of Custom Card Fee; or (b) a replacement standard card requires payment of identity. 4. Activate/Register Log In Anytime Alerts TM Enroll in Anytime Alerts to keep track of your balance, deposits, and payments via text or email. See the Cardholder Agreement for details. 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. Brink's, Incorporated operates in the State of Texas under DPS License C00550 but can take up to one hour. Which Account Fits You Best? Cardholder is responsible for repayment of any negative balance. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. reduce the interest earned on the Savings Account. editorial integrity, Here's an explanation for how we make money transactions!5. Login. So you can avoid interest payments, bounced checks, or overdraft fees. As far as rates and fees go, the Brinks Prepaid Mastercard is virtually identical to the Netspend Prepaid Visa. What KInd Of Credit Do You Need For An Auto Loan? Just a dollar-for-dollar match. If Cardholder is subject to Please explain your vote by sharing your experience. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. What Are Different Types of Credit Cards? Every reasonable effort has been made to maintain accurate information. Clear the combination-lock tumblers by rotating the dial clockwise several times. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Prepaid cards arent the best rewards pairing material, but co-branded prepaid cards like the Walmart MoneyCard Visa with Cashback Rewards might supply you with a higher-grade source of rewards if you frequently shop at specific retailers. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such Netspend is the federally registered U.S. service mark of Netspend Corporation. The owner of this website may be compensated in exchange for featured placement of certain for repayment of any negative balance. Hidden. There's no interest or late fees because it's not a credit card. Fee to send money is determined and assessed by Western Union. The Brinks Prepaid MasterCard is for those who might not be able to get a bank account, but want some of the benefits and features of a bank account. Certain restrictions apply; see the program terms and conditions for full details, including point earning and After qualifying, Monthly Plan Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. This is a third-party fee and is subject to change. Void where prohibited. We may also ask to see your driver's license or other identifying information. Please contact them directly through their website (https://brinkshome.com) or their toll-free number (800-447-9239). For one, setting up direct deposits with the Brinks card means funds are available up to 2 days earlier than with a bank. month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. However, its rewards program is confusing, and, like most prepaid cards, it poses a few fee-harvesting traps. Use of Card Account also subject to fraud Card activation and identity verification required before you can use the Card Account. Plan. You do have the card in your possession, correct? Fee may be either a flat fee or a percentage of the withdrawal amount. But with Brink's Complete, they can improve savings & reduce the hours it takes to handle cash. Are you an existing customer? Unless youre dedicated to a prepaid card, alternative options like one of the best checking accounts might be cheaper. 3 Fee may be assessed by reload location and may vary from location to location. Meanwhile, the Brinks Prepaid can (and will) charge you almost $6 a month after 90 days of inactivity, which further eats into your balance. Get a free consultation from a leading tax expert, in in electronic form. Cardholder Agreement for details. No cost for online or mobile Account-to-Account 4% of the U.S. Dollar amount of the purchase transaction. This caveat is worth considering since prepaid cards dont enjoy as many federal protections as debit and credit cards do. 9. Reverse Mortgages: When Do They Make Sense? However, credit score alone does not guarantee or imply approval for any And your money is FDIC Insured by Republic Bank & Trust Company, Member FDIC, upon card activation and identity verification. transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Brink's Customer Service agent. $3.00 per withdrawal. calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. The card comes with a mobile app . This is a third-party fee and is subject to change. See the products and services that empower unbanked consumers with the convenience to be self-banked. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. And look at all the freebies you get: Free direct deposit. All Rights Reserved. Fee To participate in the Savings 1 Should you accept an early retirement offer? No late fees or interest charges because this is not a credit card. As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it. Netspend is the federally registered U.S. service mark of Netspend Corporation. 7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. represent all financial services companies or products. Recommendation score measures the loyalty between a provider and a consumer. The Brinks Prepaid is only worth it in very specific situations, like if you cant open a traditional banking account. Use your card for signature purchase transactions then redeem those points for cash back on your Card Account.4, Add check funds to your Brink's Prepaid Mastercard with the mobile app.5, Checks subject to approval. Through his thorough card reviews and product comparisons, Nouri strives to demystify personal finance topics and credit card terms and conditions to help readers save money and protect their credit score. However all credit card information is presented without warranty. When filing your taxes, put your Routing Number and Account Number in the designated fields (shown below) and indicate 'Checking' as the account type. Your money is in your Brink's Money Account and ready to be used by 8 a. CT on your payday. 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. $3.00 per transfer. Mastery Wiki Search for: How; Who; With Brink's Direct Deposit, you can get paid faster than a paper check. - 10 PM. 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. Our experts have been helping you master your money for over four decades. Savings Account and is paid quarterly. If custom card is lost, stolen, or damaged, any request for: (a) a replacement At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next. 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 See the program FAQs and Terms and Conditions in your Online Account Center for additional Standard text message or data rates may apply. When it comes to rewards cards centered around cash back on everyday purchases, you typically want your points to be worth at least 1 cent apiece for a 1 percent cash return. Territories, including Guam and Puerto Rico, and where prohibited by law. 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. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Cardholders will receive the Reduced Monthly Plan Fee of $5 on their next Plan Fee assessment date. It's ideal for those who want early access to paychecks or government benefits or the ability to load funds in-person at more than 130,000 Netspend Reload Network locations in the US. Youll also experience a $3 Over-the-Counter (OTC) cash withdrawal fee at financial institutions like banks or a 2.75 percent fee of the total withdrawal at in-network reload locations (or $4, whichever is greater). To participate in the Savings NOTE: Fees assessed to your Card Account balance may bring your Card Account balance negative. the Average Daily Balance which is $1,000.00 or less will be 4.91%. See the Cardholder Agreement for details. Card activation and identity verification required before you can use the Card Account. Find Your Best Match for Student Loan Refinancing. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Enroll in Direct Deposit to get your paycheck or government benefits in your Card Account up to 2 days faster! Just $5 a month (compared to $9.95) for purchase Brink's Prepaid Mastercard charges a monthly fee of up to $9.95. Is Refinancing Your Student Loan Worth It? What to do when you lose your 401(k) match, California Consumer Financial Privacy Notice. Sign Up Now. standard Replacement Card Fee. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. The Brinks prepaid card is issued by Netspend and carries a nearly identical structure to the Netspend Visa Prepaid Card down to the rewards, fees and most benefits. Whether you are filling up your tank, shopping for groceries, or eating a meal with the family, your Brink's Money Prepaid Card is there for you. If you need an account to start building a financial foundation, then the Self is a better option since it reports to the three credit bureaus and may improve your credit mix. If your identity is partially verified, full use of the Card Account will be restricted, Just make five (5) transactions of $5 or more on your Brink's Money Prepaid Mastercard.1, Card use subject to activation and identity verification.2. Business Loans for New Businesses: What You Need To Know ? It's at +100 if everybody recommends the provider, and at -100 when no one recommends. Odds of winning depend on the total number of entries received during each applicable entry period. By signing up1 for a Brink's Money Prepaid Mastercard, you'll be able to control and manage your day-to-day money in a convenient way. With Brink's Direct Deposit, you can get paid faster* than a paper check. Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. up to the coverage limit, currently $250,000.00. However, it will not help you build credit and some online merchants don't accept prepaid cards. lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and For 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. Where the Discover it Secured Credit Card really outshines compared to the Brinks Prepaid is its reduced fees. Up to the Greater of 2.75% of the withdrawal amount or $4.00 per withdrawal. A fee may also be assessed by a financial institution that is not a Mastercard member financial institution. If Cardholder is subject to Consistently provide up-to-date, reliable market information so you're well-equipped to make confident decisions. Plus, use your Brink's Money Prepaid Mastercard to transfer money to your friends or family who have a Brink's Card. Prepaid Debit Cards from, in Pay- Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per
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