Direct Deposit Debit Card

You can save hundreds of dollars a year on check cashing fees simply by using a direct deposit credit card. This is a prepaid card issued as a MasterCard or Visa.

You must fill out a form and give this to the payroll department of your employer to use direct deposit. From then on your checks will be deposited into your account.

There will still be a paystub for you to keep for your records. You will still know how many hours you worked and how much you paid in taxes.

You can check your account balance and recent activity online. You will be able to use direct deposit for payroll checks, pension checks, tax returns, social security and more.

You can then use your prepaid credit card to make purchases. This card can be used over the phone and online.

You can use this card to make hotel reservations and rent a car. Cash can be accessed through ATM machines just like a check card.

You also will have access to a feature called bill pay. This is a free method where checks will be made and sent to pay bills. This will save you money because you will no longer need to buy money orders.

This card also offers free credit builder. This is a service that will make a record of the payments you make using bill pay and report that information to a credit reporting agency. This can be used to show future creditors your credit worthiness.

These cards give guaranteed approval. There is no credit check or chex systems verification. This card is just like a checking account.

There will never be any late fees, over the credit fees, or overdraft charges. You also can have free activation when you sign up with direct deposit.

You will still be approved if you have bad credit or if you are in chex systems. This is just like a second chance checking account. We suggest you stop paying check cashing fees and buying money orders and get a direct deposit prepaid credit card.