Brink's Complete services are provided by Brink's Capital LLC, an indirect wholly owned subsidiary of The Brink's Company. Answer: I would suggest looking at the back of your card. 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. Use of the Card Account is subject to activation, ID verification, and funds availability. iPad. Reverse Mortgages: When Do They Make Sense? Theres no upfront card purchase fee, but youll have to pay up to $3.95 just to reload your cards cash balance. month instead of paying a fee for every purchase transaction under the Pay-As-You-Go Plan. Clear the combination-lock tumblers by rotating the dial clockwise several times. No Minimum Balance, No Late Fees - because this is not a credit card 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. Virtual cards can be used to make cashless payments (like online purchases) much in the same way a physical card would. 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. You can also deposit your paycheck or a personal check using the mobile banking app, available for both Apple and Android phones. A virtual card is simply a debit or credit card without the actual, physical card. theYear = now.getYear(); Purchase transactions for just $5 per month (compared to $9.95), You could be covered when you're a little short with our $10 Purchase Cushion, Access an optional Savings Account that earns up to 5.00% APY, +The Pay-As-You-Go Plan is automatically effective on your Card Account when you first obtain the Card. A fee may also be assessed by a financial institution that is not a Mastercard member financial institution. While the Brinks Prepaid Mastercard is a solid option, you can find better rewards and fewer fees with other prepaid credit cards or a debit card. 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 If cardholder receives $500 in payroll or government benefit direct deposits in 1 calendar month, cardholder will qualify for the Reduced Monthly Plan. affiliation, or sponsorship, of or by SuperMoney or them of us. if (theYear < 1900) theYear = theYear + 1900; Ongoing rewards program boosts its long-term value, 130,000+ locations in the Netspend reload network, Pay-as-you-go plan offers flexibility with individual purchase fees instead of monthly fees, Shares valuable Netspend benefits, like a $10 courtesy cushion, Long list of fees make pay-as-you-go expensive, Nearly identical to the Netspend Visa Prepaid Card, Doesnt build credit and no additional security measures with Brinks. 5. After qualifying, Monthly Plan 6 Payback Rewards is an optional program. There is a reload fee of up to $3.95 fee every time you reload the card. We endeavor to ensure that the information on this site is current and accurate but you should confirm any information with the product or Mobile Check Load is a service provided by First Century Bank, N.A. Brink's Prepaid Mastercard has a daily ATM withdrawal limit of $940. 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. (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. All products or services are presented without warranty. Interest is calculated on the Average Daily Balance(s) of the Home equity line of credit (HELOC) calculator. (CT) Saturday - Sunday: 8 AM. Adding money to your Brink's Money Prepaid Mastercard is convenient. The Brink's Prepaid Mastercard offers bank-level features without hefty fees. 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. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Skip to content. may affect your credit. Compare real offers from multiple lenders. If you choose the pay-as-you-go plan, itll be hard to maneuver without tripping over a fee. 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. As far as rates and fees go, the Brinks Prepaid Mastercard is virtually identical to the Netspend Prepaid Visa. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it. 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. 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. A FICO score/credit score is used to represent the creditworthiness of a The Company you trust is offering you the features and benefits you deserve. now = new Date(); Bankrate has answers. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Is Refinancing Your Student Loan Worth It? April If ATTENTION JOINT FILERS: Please make sure both parties are listed on the Card Account. (CT) brinksmoneypayroll@brinksinc.com www.brinkspayrollcard.com CompuSafe Customer Support However, if you choose a product and continue your application at a Order Your Brink's Money Prepaid Card Here >. Use of Card Account also subject (877) 788-9067, or click the link below and activate it online. 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 policy, so you can trust that our content is honest and accurate. Netspend Corporation.All rights reserved worldwide. What Is Brinks Prepaid Mastercard? However all credit card information is presented without warranty. be associated with the funding and use of your card. Netspend is the federally registered U.S. service mark of Netspend Corporation. 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. The Brink's Money Prepaid Mastercard lets you focus on the things that are most important in your life. person and may be one indicator to the credit type you are eligible for. Card use subject to activation and identity verification. With the Brink's Prepaid MasterCard, you can get paid up to two days faster and manage your money anytime and anywhere. Use of Card Account also subject $2.50 per withdrawal, plus ATM owner fees, if any. editorial integrity, When your highest-paid employees spend time handling cash, your business loses time and money. the Average Daily Balance which is $1,000.00 or less will be 4.91%. All checks are subject to approval for funding in Ingo Money's sole discretion. 9 Custom Card Fee applies. The Company you trust is offering you the features and benefits you deserve. Ends 1/31/22. 6. 9. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders identity. Additional transaction fees, costs, terms and conditions may Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Brink's Money Prepaid Account - Brink's Prepaid Mastercard See if you qualify for student loan refinancing and compare real time offers. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. 2. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by . We may also ask With Brink's Direct Deposit, you can get paid faster* than a paper check. prevention restrictions at any time, with or without notice. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. 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%. Card Account and Savings Account funds are FDIC-insured upon verification of Cardholders to see your driver's license or other identifying information. Answer: It depends on the country where the card is issued. Besides its laundry list of fees, a few other key considerations deserve your attention before choosing the Brinks Prepaid. PayPal's prepaid MasterCard charges $4.95 per month for unlimited purchases. or originating bank. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. This is a third-party fee and is subject to change. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. For one, setting up direct deposits with the Brinks card means funds are available up to 2 days earlier than with a bank. Brink's gives you the peace of mind you deserve. This is a third-party fee and is subject to change. Direct Deposit more than $500 in payroll or government benefits in a calendar month and you'll be eligible for the Reduced Monthly Plan, our plan with the most features. redemption parameters. If you plan to save your tax refund, this is the card for you. Card use subject to activation and identity verification. No cost for online or mobile Account-to-Account All other trademarks and service marks belong to their owners. ++During checkout, select "CREDIT" on the keypad to make a Signature Purchase, or select "DEBIT" and enter your PIN to make a PIN Purchase. Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. What bank is Brinks all access? Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. Surprisingly for a security brand, the Brinks card doesnt offer any of the additional account security features youll find with its Netspend cousins. April Just direct deposit $500 or more in payroll or government benefits in a calendar month to your Card Account. To participate in the Savings It's convenient and faster than waiting for a paper check in the mail! 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. Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could Still, the card offers two-day early direct deposit and a decent portfolio of handy Netspend benefits if youre a Brinks Preferred Benefits cardholder (load qualifying direct deposits of at least $500 in one month to be eligible). person and may be one indicator to the credit type you are eligible for. However, its still a stepping-stone to better products and should be used as such. Brink's, Incorporated operates in the State of Texas under DPS License C00550 Cardholder is responsible 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. Login. Prepaid cards operate like debit cards in that you cant spend beyond your cards balance. Which Account Fits You Best? +++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. All rights reserved. create up to a $10.00 negative balance on your Card Account. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. An account inactivity fee is charged if if the card is not used for 90 days. Certain products and services may be licensed under U.S. Patent Nos. 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 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. What KInd Of Credit Do You Need For An Auto Loan? 4 Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. The account earns a whopping up to 5 percent APY, but only up to a tiny $1,000 balance (4.91 percent variable interest rate). Because Savings Residents of Vermont are ineligible to open a Card Account. (CT) brinksmoneypayroll@brinksinc.com Brink's Paycard 1-855-627-4657 Monday - Friday: 6 AM. 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. All other trademarks and service marks belong to their owners. Recommendation score measures the loyalty between a provider and a consumer. If Cardholder is subject to Meanwhile, the Brinks Prepaid can (and will) charge you almost $6 a month after 90 days of inactivity, which further eats into your balance. Read More Should You Hire a Debt Settlement Company or Do It Yourself? Another feature is the $10 Purchase Cushion: Brinks will create a $10 negative balance on the account to cover any overdrafts. 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. bank account, or get paid up to 2 days faster8 with no-cost Direct Deposit. 8. Territories, including Guam and Puerto Rico, and where prohibited by law. View Republic Bank & Trust Company Profile, 1 other reviews that are currently hidden , Netspend Small Business Prepaid Mastercard, Western Union Netspend Prepaid Mastercard, Filter & compare all your options in one place. Calculated based on the U.S. Dollar amount of the purchase transaction or cash withdrawal. Consolidating vs. Can a First-Time Home Buyer Get a Jumbo Loan? Here's how it works: Order a Card To order a Card, provide your name, mailing address and email address. (including, for example, the order in which they appear). Call our automated, toll-free number 1 Bankrate follows a strict 1, 2020. What are index funds and how do they work? Our editors and reporters thoroughly fact-check editorial content to ensure the information youre reading is accurate. Certain products and services may be licensed under U.S. Patent Nos. Login. So, whether youre reading an article or a review, you can trust that youre getting credible and dependable information. Enroll in Direct Deposit to have your paycheck or government benefits onto your Card Account. Sign Up Now. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us See the Cardholder Agreement for details. 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. Our goal is to give you the best advice to help you make smart personal finance decisions. You can use your Brink's Money Prepaid Mastercard to pay for just about anything. Void where prohibited by law. Card details Highlights Brink's gives you the peace of mind you deserve. 6,000,608 and 6,189,787. Brinks costs $39.99 to $49.99 a month, depending on which plan you choose. SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. Standard text message or data rates may apply. For Savings vs. Money Market? Fee is determined and assessed by operator of Netspend Reload Network There is no minimum balance. 4% per foreign transaction. The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. Neither Plan Fee option includes any other fees. Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision. Snapshot. Please contact them directly through their website (https://brinkshome.com) or their toll-free number (800-447-9239). Does Brinks charge a monthly fee? document.write(theYear); We maintain a firewall between our advertisers and our editorial team. Instead, you might want to focus on earning a higher credit score with your card if you have less-than-perfect credit. Fee to send money is determined and assessed by Western Union. $4.95 per transfer via Customer Service Agent. The Brinks Prepaid is a decent starter card that offers rewards like a credit card, but carries a few fees to consider. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. Greater of 5.0% of total check amount or $5.00 per check load. 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. This caveat is worth considering since prepaid cards dont enjoy as many federal protections as debit and credit cards do. 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. The offers that appear on this site are from companies from which Bankrate.com receives compensation. *SuperMoney is not responsible for third party products, services, sites, recommendations, endorsements, reviews, etc. 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. Compare its features and fees in our detailed review. And your money is FDIC Insured by Republic Bank & Trust If you have a professional tax preparer, give them these Some prepaid cards require you to provide some personal information, such as your full name, address, date of birth, email, and SSN. No Fee. Our editorial team does not receive direct compensation from our advertisers. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 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. $9.95 per lost, stolen, or damaged Card replaced. 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. However, if you need a checking account and have no access to a traditional one, the Brinks can be helpful. This editorial content is not provided by any financial institution. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. up to the coverage limit, currently $250,000.00. Find out how. Managing your money wherever, whenever. This is a third-party fee and is subject to change. 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. Cardholder is responsible for repayment of any negative balance. See the program FAQs and Terms and Conditions in your Online Account Center for additional availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. Where the Discover it Secured Credit Card really outshines compared to the Brinks Prepaid is its reduced fees. No fee; standard text message or data rates may apply. The maximum allowable savings account balance is $5,000. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Notice this card charges a monthly maintenance fee of up to $9.95. 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. The owner of this website may be compensated in exchange for featured placement of certain The company's mission is to develop Order a Brink's Money Prepaid Mastercard and get the peace of mind you deserve. Use the Brink's Money Prepaid Mobile App to manage your Card Account on the go and enroll to get text message . See the Cardholder Agreement for details. * Find surcharge free ATMs. Fee may be either a flat fee or a percentage of the withdrawal amount. Is Brinks better than ADT? Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Netspend Corporation, a Global Payments Company (NYSE: GPN) is a leading provider of general-purpose reloadable (GPR) These are variable rates and may change Odds of winning depend on the total number of entries received during each applicable entry period. ; Use the Brink's Money Prepaid Mobile App to manage your Card Account on the go and enroll to get text message or email alerts (Message & data rates . You have money questions. 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. are slightly higher than the Brinks Prepaid 2 percent back at restaurants and gas stations on up to $1,000 per quarter, then 1 percent, and 1 percent on everything else. 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. calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. 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. If you are often close to the maximum balance, it may be time to put your money to work and deposit it in an account that yields interest, such as a savings account, a CD, or a money market account. LET'S TALK. 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. 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. * See the online application for details about terms and conditions for these offers. Prepaid MasterCards are used like regular credit cards. Enroll in Direct Deposit to get your paycheck or government benefits in your Card Account up to 2 days faster! Fraud prevention In the US, different routing numbers may apply for different types of transactions and accounts. - 8 PM. Greater of 2.0% of total check amount or $5.00 per check load. With Brink's Direct Deposit, you can get paid faster* than a paper check. The Brink's Money Prepaid Mastercard gives you the convenience of having a bank debit card. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. reduce the interest earned on the Savings Account. To participate in the Savings Fee varies Per transfer. details about how and when you get rewarded. of a check or other direct payment method. document.write(theYear); , so if you choose it over the Brinks Prepaid, it may be helpful to open a Discover banking account. You may also be charged a fee by the ATM operator. prepaid debit cards and related financial services to the estimated 60 million underbanked consumers in the United States What Are the Differences Between Federal and Private Student Loans? Enroll in Brink's Money Payback Points. To check the rates and terms you qualify for, one or more soft credit pulls will be done by Card may be used everywhere Debit Mastercard is accepted. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. Card activation and identity verification required before you can use the Card Account. Here's an explanation for how we make money The interest rates and APYs of each tier may change. if (theYear < 1900) theYear = theYear + 1900; 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. Please explain your vote by sharing your experience. These are promotional rates and may change 3 Fee may be assessed by reload location and may vary from location to location. Standard text message or data rates may apply. Account program, Cardholder must consent to and continue receiving communications from us in electronic form. Because Savings 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. Republic Bank & Trust Company is not affiliated in any way with this optional offer and does not endorse or sponsor this offer. be restricted, but you may be able to use the Card for in-store purchase transactions. More from our insights library: The True Costs of Manual Cash Management Manual cash management costs businesses time and money. $1.00 per declined transaction. Fraud prevention restrictions may delay availability of funds with or without notice. It's secure, fast, and free. *Card issued by Republic Bank & Trust Company, Member FDIC. Intro Offer: Unlimited Cashback Match - only from Discover. 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. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. Do Private Student Loans Have a Statute of Limitations? Luckily, these reward opportunities can easily fit into your regular spending since they are personalized around your purchases.