What Is Card?
Card.com is best known for its prepaid customizable debit card designs. For example, users can personalize their cards with images from their favorite TV show, movie, artist, or sports team. But more than that, this company also offers online banking services with no fees. It also has tools to help users take more control of their finances. For example, its mobile app lets customers view balances, transfer funds, pay bills or send money from anywhere.
How Does Card Work?
Card is powered by Pathward, a member FDIC bank. To open an account, visit the website and choose a custom design for your card. There are more than 12,000 designs, so you’re sure to find one that reflects your personality. Next, you’ll share your information, including your name, address, date of birth, and social security number. The company needs these details to establish your identity, but it will not run a credit check.
After you complete your account setup, you can transfer funds onto your card and use it for purchases wherever Visa and Mastercard are accepted. You can also manage your account and view your transaction history through the mobile app. Additionally, you can set up direct deposit so your paycheck is loaded directly onto your card, giving you access to those funds faster.
What Does Card Offer?
Card.com offers an account with no minimum balance requirement and no monthly maintenance fees. It is easy to set up and doesn’t require a credit check to open. And, since an FDIC member bank holds your account, your account is fully insured up to the legal limit.
You can also set up a savings account. If you do, you’ll earn interest on your balance each month. In addition, Card makes it easy to grow your savings through its round-up program. When round-up is turned on, each purchase you make will round up to the nearest dollar, and the extra will transfer automatically into your savings account.
What are Card’s Features?
Card strives to offer a premium banking experience to its customers by providing several convenient features.
Customized Card Designs
Customers have the option to choose from over 12,000 different designs for their cards. You can choose from classic designs, cartoons, sports, music, and other unique options. Even better, you can get three different versions of your prepaid debit card, so you always have a design to fit your mood.
Card.com allows you to set up a direct deposit between your employer and your account. Your paycheck will be loaded directly onto your debit card when you do. You can also use this arrangement for government benefit payments, such as social security. This eliminates the need for paper checks or manual deposits.
Access your direct deposit paycheck up to two days early. For example, if your payday is on Friday, with Quickpay, you can receive your check on Wednesday instead. Quickpay can help you manage bills and expenses by giving you faster access to your cash.
Card.com’s Rapid Alerts feature lets you receive real-time notifications on your mobile phone or through email. You can customize your alerts to suit your needs. Get a message if your account falls below a specified amount, when your direct deposit goes through, or when purchases are made. You can manage your alerts through the mobile app or website. Rapid Alerts provide you with greater visibility and control over your account activity. You can better monitor your spending and prevent fraudulent or unauthorized transactions.
Optional Overdraft Protection
You can enroll in an optional overdraft protection program if you meet specific qualifications. Doing so can help you avoid overdraft fees and declined transactions by providing a $10 buffer. If a purchase overdraws your account by $10 or less, it will go through, and you won’t be charged a fee.
With the mobile app, you can easily manage your account, view your balance, make payments, and even send and transfer money.
What Are the Advantages of Using Card?
If you open an account with Card.com, you’ll enjoy several advantages.
Custom Designs – Your debit card will no longer reflect your bank’s brand. Because of the unique designs, it will be a statement about your personality.
No Credit Check – Card.com will not run a credit check when setting up your account. It also doesn’t require a minimum balance, making it an accessible option even for people with poor credit or low funds.
Banking Made Easy – Between direct deposits from your employer into your account and easy access through the mobile app, this company makes banking simple.
Is Card Worth It?
Whether this type of account is a good value depends on your financial needs and preferences. However, because it doesn’t require a credit check or a minimum balance, and it doesn’t have a monthly maintenance fee, it’s an affordable, accessible option. Overall, Card.com provides a convenient and affordable alternative to traditional banking for a wide range of users.
How Can I Get Started with Card?
The application process is simple and can be completed online on the company’s website. The first step is to select the design you want for your prepaid debit card. Then, you’ll provide your personal information, including your name, address, and date of birth.
You might have to provide a copy of your driver’s license or government-issued ID to verify your identity. Once your identity is confirmed, you can add funds to your account via direct deposit, cash load, or check deposit. Most people complete the application process in just a few minutes. You can typically expect to receive your card in the mail within 7-10 business days.