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. Fees apply for approved Money in Minutes transactions funded to your card. No Fee. 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. These are promotional rates and may change Approved purchase transactions may Where the Discover it Secured Credit Card really outshines compared to the Brinks Prepaid is its reduced fees. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. What bank is Brinks all access? Enroll in Direct Deposit to have your paycheck or government benefits onto your Card Account. If your identity is partially verified, full use of the Card Account will banking practice of posting funds at settlement. Brink's Money Paycard - Cardholders. However, you may be able to earn bonus points at a higher rate if you take advantage of additional limited-time, merchant-specific offers in your Online Account Center. Home equity line of credit (HELOC) calculator. Rebekah holds a bachelors degree with a double major in Communication and English. This feature drops your monthly plan to $5 a fee similar to other prepaid cards. mostly not recommended Starts 2/1/21. No fee to receive While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. 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. See if you qualify for student loan refinancing and compare real time offers. Transfer of funds via ACH from your Card Account to your bank account at another financial You can see a full range of options, including Automated Clearing House (ACH) Payments and MoneyGram, Visit any of the over 130,000 reload locations in the. Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. Are you an existing customer? If Cardholder is subject to is the superior option, and consumers should consider it over the Brinks due to its lack of fees and credit-building features. Cardholder is responsible Void where prohibited. Personal Loan Vs. Line Of Credit: Which Is Better? transfer conducted through a Netspend Customer Service agent. For one, setting up direct deposits with the Brinks card means funds are available up to 2 days earlier than with a bank. You do have the card in your possession, correct? 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. Neither Plan Fee option includes any other fees. Residents of Vermont are ineligible to open a Card Account. 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. or originating bank. With the Brink's Prepaid MasterCard, you can get paid up to two days faster and manage your money anytime and anywhere. Agreement. What bank does Brinks prepaid Mastercard use Certain products and services may be licensed under U.S. Patent Nos. Bankrate.com does not include the entire universe of available financial or credit offers. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. Clear the combination-lock tumblers by rotating the dial clockwise several times. The Brink's Money Prepaid Mobile App gives you the power to manage your money on the go from the palm of your hand - View your transaction history and balance - Send money to friends and family 1 - Move money to and from Savings Account - Find the closest reload locations - Load checks using mobile image capture 2 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. 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. The information, including card rates and fees, is accurate as of the publish date. Brink's Business Expense. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. 3 Fee may be assessed by reload location and may vary from location to location. 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. See the Interest is It's secure, fast, and free. *Card issued by Republic Bank & Trust Company, Member FDIC. No late fees or interest charges because this is not a credit card. bank account, or get paid up to 2 days faster8 with no-cost Direct Deposit. Meet you wherever you are in your credit card journey to guide your information search and help you understand your options. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. With Brink's Direct Deposit, you can get paid faster* than a paper check. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Brink's Prepaid Mastercard is issued by Republic Bank & Trust Company, which is based in Louisville, KY and was founded in 1982. Brink's understands that time and money are valuable to you. Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you. Percentage taken of total check amount. Which Account Fits You Best? 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. Would you recommend Brink's Prepaid Mastercard to your friends? Fraud prevention But a debit card is an all-around better (and cheaper) starter card, if thats your concern, and there are a few checking accounts that reward spending like the Discover Cashback Debit Account. What Are Collateral-Free Unsecured Business Loans? Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. but you may be able to use the Card for in-store purchase transactions. Approved purchase transactions may PayPal's prepaid MasterCard charges $4.95 per month for unlimited purchases. If you choose the pay-as-you-go plan, itll be hard to maneuver without tripping over a fee. Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. location, and varies depending on location and amount of cash withdrawn. Card details Highlights Brink's gives you the peace of mind you deserve. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. Fill in the application form. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it. The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. Residents of Vermont are ineligible to open a Card Account. 5 No charge for this service, but your wireless carrier may charge for messages or data. You have not yet won. 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. , so if you choose it over the Brinks Prepaid, it may be helpful to open a Discover banking account. I mention reloading because it would be IMHO, the only reaso. 8. Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? Certain products and services may be licensed under U.S. Patent Nos. information from the IRS, visit https://www.irs.gov/refunds. Securing cash and valuables since 1859. Brink's secures valuables around the world. transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Brink's Customer Service agent. 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. However, if used correctly, it can be handy in a bind and help people. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or $4.95 per transfer via Customer Service Agent. be associated with the funding and use of your card. affiliation, or sponsorship, of or by SuperMoney or them of us. Take advantage of the convenient features that help take the stress out of managing your money so you can spend time on the important things, like friends, You can add money to your Brink's Card from an existing bank account or from another Brink's Card. Cardholder is responsible for repayment of any negative balance. Card activation and identity verification required before you can use the Card Account. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. And look at all the freebies you get: Free direct deposit. now = new Date(); 1, 2020. $3.00 per withdrawal. for repayment of any negative balance. up to the coverage limit, currently $250,000.00. Your wireless carrier may charge a fee for message and data usage. This is a third-party fee and is subject to change. Securing cash and valuables since 1859.; With Brink's Direct Deposit, you can get paid faster than a paper check. editorial integrity, SuperMoney.com is an independent, advertising-supported service. Greater of 2.0% of total check amount or $5.00 per check load. Just $5 a month (compared to $9.95) for purchase All other trademarks and service marks belong to their owners. See the Cardholder Agreement for details. However all credit card information is presented without warranty. Brink's Prepaid Mastercard. Do Private Student Loans Have a Statute of Limitations? create up to a $10.00 negative balance on your Card Account. To check the rates and terms you qualify for, one or more soft credit pulls will be done by If you wish to change to another Plan, just call 1 (877) 8493249 or visit. You can use your Brink's Money Prepaid Mastercard to pay for just about anything. Card may be used everywhere Debit Mastercard is accepted. Pay- You'll receive a Card in the mail within 7-10 business days. And your money is FDIC Insured by Republic Bank & Trust Company, Member FDIC, upon card activation and identity verification. - 8 PM. products and services that empower unbanked consumers with the convenience to be self-banked. Calculated based on the U.S. Dollar amount of the purchase transaction or cash withdrawal. Additional transaction fees, costs, terms and conditions may Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. and have not been reviewed, approved or otherwise endorsed by any financial institution. 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. Don't have a card? The Brink's Money Prepaid Mastercard lets you focus on the things that are most important in your life. With Brink's Direct Deposit, you can get paid faster* than a paper check. Start to spend more time on the things that matter like family, friends and everyday life. Unfortunately, your balance will be constantly nibbled into by the cast of fees that usually come with even the best prepaid cards. Up to $3.95 per load. Intro Offer: Unlimited Cashback Match - only from Discover. All products, logos, and company names are trademarks or registered trademarks of their respective holders. The interest rates and APYs of each tier may change. 6,000,608 and 6,189,787. Brink's gives you the peace of mind you deserve. 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. January 21, 2022 by William Nelson A prepaid Mastercard can provide people without credit or debit cards a way to shop online. Terms apply to the offers listed on this page. family 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. if (theYear < 1900) theYear = theYear + 1900; Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per Interest bearing savings account can be connected. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Luckily, these reward opportunities can easily fit into your regular spending since they are personalized around your purchases. 6 Payback Rewards is an optional program. Because the Payback Points programs terms are a bit vague, its difficult to tell the exact point value. 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. No fee; standard text message or data rates may apply. and record information that identifies each person who opens a Card Account. Program sponsor: Netspend Corporation. Our goal is to give you the best advice to help you make smart personal finance decisions. prevention restrictions at any time, with or without notice. Bankrate.com is an independent, advertising-supported publisher and comparison service. calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. If Cardholder is subject to On the other hand, the Brinks Prepaid card doesnt provide access to credit at all, just the ability to load the card with your money and swipe at payment terminals or use online. For Why you can trust this review How much does Brinks Prepaid Mastercard cost? CTA Banner. Certain restrictions apply; see the program terms and conditions for full details, including point earning and but can take up to one hour. Percentage taken of total check amount. Because Savings Account funds are withdrawn through the Card Account 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. Because Savings 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. Brink's Money Prepaid Mastercard. See the However, if you choose a product and continue your application at a There are no fees for purchases, and the first late fee is even waived (up to $41 after that). Adding money to your Brink's Money Prepaid Mastercard is convenient. Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. [2] Payback Rewards SM See full Official Rules for details. 7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. 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. 7. ATTENTION JOINT FILERS: Please make sure both parties are listed on the Card Account. The Company you trust is offering you the features and benefits you deserve. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Activate/Register Log In Anytime Alerts TM Enroll in Anytime Alerts to keep track of your balance, deposits, and payments via text or email. Getting a Mortgage With a Smaller Down Payment and No PMI. If your identity is partially verified, full use of the Card Account will be restricted, There's no minimum spending or maximum rewards. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. Compare real offers from multiple lenders. 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. You'll receive a Card in the mail within 7-10 business days. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. Use of the Card Account is subject to activation, ID verification, and funds availability. Card use subject to activation and identity verification. - 8 PM. Fee is determined and assessed by operator of Netspend Reload Network location, and varies depending on location. For up-to-date * See the online application for details about terms and conditions for these offers. The Brinks Prepaid MasterCard comes with additional features. Card may be used everywhere Debit Mastercard is accepted. What KInd Of Credit Do You Need For An Auto Loan? With Brink's Direct Deposit, you can get paid faster than a paper check. 6,000,608 and 6,189,787. details about how and when you get rewarded. Plan. You can receive up to 50 percent discounts on prescriptions with major pharmacies with a printable discount card if you choose to join the medical discount plan provider location service included with your card. document.write(theYear); Our editorial team does not receive direct compensation from our advertisers. See the Cardholder Agreement for details. Can You Build Credit With a Prepaid Credit Card? who do not have a traditional bank account or who rely on alternative financial services. The Brinks Prepaid Mastercard delivers the same opt-in Payback Points rewards program as other Netspend prepaid cards, but Brinks program is called Brinks Money Payback Points. You can also deposit your paycheck or a personal check using the mobile banking app, available for both Apple and Android phones. cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly The APYs were accurate as of Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. reduce the interest earned on the Savings Account. No Minimum Balance, No Late Fees - because this is not a credit card Besides its laundry list of fees, a few other key considerations deserve your attention before choosing the Brinks Prepaid. Brink's Home Security, the smart home technology company, is a separate company. When your highest-paid employees spend time handling cash, your business loses time and money. 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. Netspend Corporation.All rights reserved worldwide. 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. Another feature is the $10 Purchase Cushion: Brinks will create a $10 negative balance on the account to cover any overdrafts. Cardholder may enroll in the Monthly Plan to pay a flat fee of $9.95 per month instead of paying a fee for every purchase transaction under the Pay-As-You-Go You have money questions. now = new Date(); For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at Republic Bank & Trust Company will be aggregated Filter & compare all your options in one place. Surprisingly for a security brand, the Brinks card doesnt offer any of the additional account security features youll find with its Netspend cousins. 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, We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Hidden. Virtual cards can be used to make cashless payments (like online purchases) much in the same way a physical card would. Fee may be either a flat fee or a percentage of the withdrawal amount. Securing cash and valuables since 1859. Republic Bank & Trust Company and Mastercard are not affiliated in any way with this optional offer and do not endorse or sponsor this offer. 4 Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. standard Replacement Card Fee. and governmental customers. This is a third-party fee and is subject to change. of a check or other direct payment method. Certain products and services may be licensed under U.S. Patent Nos. With Brink's Direct Deposit, you can get paid faster than a paper check. Fee varies Per transfer. Snapshot. Republic Bank & Trust Company and Mastercard are Order Your Brink's Money Prepaid Card Here >. Brinks Prepaid Mastercard vs. other starter cards, Connect with Garrett Yarbrough on LinkedIn, One Time $9 - $15 Account Fee (Varies by Product), , 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. Turn the dial clockwise fully four times, and stop on the first number for the combination lock on the fifth turn of the dial. 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. 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. No late fees or interest charges because this is not a credit card. the Average Daily Balance which is $1,000.00 or less will be 4.91%. 4% per foreign transaction. You may also be charged a fee by the ATM operator. redemption parameters. Should You Hire a Debt Settlement Company or Do It Yourself? theYear = now.getYear(); You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. 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 Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders 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. Use of the Card Account is subject to activation, ID verification, and funds availability. The company's mission is to develop 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. However, if you need a checking account and have no access to a traditional one, the Brinks can be helpful. Certain products and services may be licensed under U.S. Patent Nos. This product is Bankrate.com is an independent, advertising-supported comparison service. Use Direct Deposit A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCES OF WINNING. But with Brink's Complete, they can improve savings & reduce the hours it takes to handle cash. All checks are subject to approval for funding in Ingo Money's sole discretion. The offers that appear on this site are from companies from which Bankrate.com receives compensation. 5 The Pay-As-You-Go Plan is the default Plan Fee on the Card Account. You can also text to 469-513-8685. 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. SuperMoney strives to provide a wide array of offers for our users, but our offers do not be restricted, but you may be able to use the Card for in-store purchase transactions. Because Savings transactions!5. Take our 3 minute quiz and match with an advisor today. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. person and may be one indicator to the credit type you are eligible for. 2Faster 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. 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. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. if (theYear < 1900) theYear = theYear + 1900; Standard text message or data rates may apply. The Brinks Prepaid is only worth it in very specific situations, like if you cant open a traditional banking account. 2023 Bankrate, LLC. month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. (CT) brinksmoneypayroll@brinksinc.com www.brinkspayrollcard.com CompuSafe Customer Support this post may contain references to products from our partners. +++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. create up to a $10.00 negative balance on your Card Account. A FICO score/credit score is used to represent the creditworthiness of a not affiliated in any way with this program and do not endorse or sponsor this program. Please explain your vote by sharing your experience. Interest is Plus, the app is optimized for . If you have a professional tax preparer, give them these Certain products and services may be licensed under U.S. Patent Nos. The Brink's Prepaid Mastercard is designed for consumers who want the convenience of paying with plastic but dont want (or dont qualify) for a regular credit card. April * Find surcharge free ATMs. reduce the interest earned on the Savings Account. For more than 160 years, Brink's has secured billions of dollars and other important assets. Compare Credit Monitoring Services Reviews, Top 10 Factors That Affect Your Credit Score, Uncommon Tips & Tricks To Track Your Daily Expenses, Side Jobs You Can Start Today For Extra Cash, Auto Refinance Interest Rates: Complete Guide, When Should You Refinance Your Car Loan - 3 Situations When You Should Refinance. No minimum balance necessary to open Savings Account or obtain the yield(s). Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders Account program, Cardholder must consent to and continue receiving communications from us in electronic form. Ends 1/31/22. Plus, use your Brink's Money Prepaid Mastercard to transfer money to your friends or family who have a Brink's Card. Youll earn 1 Payback Point per dollar on signature purchase transactions (just select credit on the keypad at checkout), minus your purchase fees. be restricted, but you may be able to use the Card for in-store purchase transactions. Managing your money wherever, whenever. Charges a monthly maintenance fee of up to $9.95. processed. document.write(theYear); How To Invoice International Clients Without Losing Money In Fees, Checking and Savings Accounts: How To Make Them Work Together, Compare Accounts Receivable Financing Reviews, 8 Creative Business Loan Types You Should Know About.
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