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How to Load Your Walmart Money Card
The Walmart MoneyCard is a debit card that requires no bank account or credit check and therefore avoids overdraft fees. The MoneyCard is one of many prepaid debit card options that have come on the market over the last several years for those who are unable or unwilling to get traditional bank accounts. Available in either Visa or MasterCard versions, the card can be used not only at Walmart but also at any retailer that accepts Visa or MasterCard.
- Walmart’s low-cost prepaid debit card, the MoneyCard, requires no existing bank account and can be funded via direct deposit.
- In addition to direct deposit, the MoneyCard can be loaded at store registers, at Walmart MoneyCenters, or with your Internal Revenue Service (IRS) tax refund, among others.
- There are fees tied to MoneyCard, including a monthly service fee (which can be waived).
Loading the Walmart MoneyCard
Money can be added to Walmart MoneyCards via direct deposit, Walmart store reload, online transfer, or tax return deposit.
1. Direct Deposit
Payroll checks or your government benefits can be loaded directly onto a MoneyCard through direct deposit. This service is free, and you can opt to deposit all or part of your check. Employers may notify the bank of direct deposits up to two days before the official “payday,” and Walmart will then transfer walmart money card won t activate to the card early.
2. Walmart Reload
This option allows you to add money to your card at Walmart locations, which can cost up to $5.95. Cash deposits are free using the Walmart MoneyCard app at Walmart stores. For these deposits, you can deposit cash by touching the Deposit tab in the Walmart MoneyCard app and selecting “Deposit Cash using the Walmart MoneyCard App.”
3. Online Transfer
An online transfer typically takes one to three business days, and there is no reloading fee. However, your bank may charge fees on the electronic transfer.
4. Tax Refund
If you electronically file your income taxes, you can opt to directly deposit your refund onto your Walmart MoneyCard; no reloading fee applies. You send your card number and mobile phone number to Walmart, which then texts you the direct-deposit information that you enter into kohls pay online bill tax forms. The standard Internal Revenue Service (IRS) processing time applies, although e-filing typically allows you to receive a refund more rapidly than filing by mail.
Benefits of the Walmart MoneyCard
The MoneyCard offers many of walmart money card won t activate benefits found on all Visa and MasterCard debit cards, including fraud protection. A free online bill-paying service is also included. You can send money orders, get paper checks, or set recurring monthly payments for bills such as for your auto insurance. These cards also allow you to send funds to friends or family anywhere in the United States.
You can also earn cash-back rewards by shopping at Walmart.com and via the Walmart app (3% cash back), Walmart fuel stations (2%), and Walmart retail stores (1%). The limit for cash-back rewards is $75 a year.
Walmart MoneyCard Fees
The MoneyCard costs $1 and can be purchased at any Walmart store. The card has a $5.94 monthly service fee, which is waived if you had direct deposits totaling $500 or more in the previous month. ATM and teller cash withdrawals cost $2.50, while withdrawals at Walmart stores are free. Meanwhile, cash reload costs $3 at Walmart stores and up to $5.95 for other reload locations. Other fees include a 3% foreign transaction fee and $0.50 for balance inquiries at ATMs. There’s also a $5.95 charge for a 12-pack of checks and a $3 fee for card replacement (or $15 for expedited delivery).
How to Get a Walmart MoneyCard
Getting a Walmart MoneyCard is easy. You can order one online through the Walmart MoneyCard website, and your card will arrive in two weeks. To avoid waiting for the mail, you can purchase a card directly at any Walmart store. You must be age 18 or older and will have to deposit money to your card before you can start using it. Opening the account requires a valid Social Security number, and mobile or email verification and the mobile app are required to be able to access all account features.
How Do I Find the Routing and Account Numbers for a Walmart MoneyCard?
Once your account is registered, you can get your account and routing number by texting “DD” to 37267, logging into the app or your online account, or calling Cardholder Customer Service at 1-877-937-4098. Be aware that the numbers on your card are not the same as your account number.
What is the Account Balance Limit on a Walmart MoneyCard?
The maximum balance for a Walmart MoneyCard is $10,000. Most competitors have a maximum balance of $3,000.
Can Someone Else Put Money on My Walmart MoneyCard?
The cheapest way for someone else to put money on your Walmart MoneyCard is for them to transfer the money from their bank to your MoneyCard using your routing and account numbers. If they can’t do a bank transfer, or if you need money more quickly, they can purchase a MoneyPak at most retailers (including Walmart) for $5.95 and deposit cash into your account that way.
Can I Deposit a Check to My Walmart MoneyCard?
Yes, you can deposit a check using the mobile Walmart MoneyCard app on your phone. First, make sure that the check is made out to you, then sign your name on the back of the check and put “For Mobile Deposit Only.” To walmart money card won t activate able to use the Mobile Check Deposit feature in the app, your account must be in good standing, and you must have had at least four direct deposits within the last two months and at least one point-of-sale card transaction within the last month.
What is the Limit for a Single Direct Deposit to a Walmart MoneyCard?
The maximum amount for a single direct deposit to a Walmart MoneyCard is $2,999. The maximum total account balance is $10,000.
Does a Walmart MoneyCard Have Overdraft Protection?
Yes, if you opt in. The amount of overdraft coverage is dependent on the deposits that you receive. You get $10 of overdraft coverage if you receive a single direct deposit of any amount in your account. You get $100 of overdraft coverage if you receive at least two direct deposits totaling $200+ within a 35-day period. You get $200 of overdraft coverage if you receive at least two direct deposits totaling $400+ within a 35-day period.
The Bottom Line
The Walmart MoneyCard comes with a number of free services and other benefits, especially for frequent Walmart shoppers. It also offers a convenient number of ways to load money onto the card. However, other prepaid debit cards and mobile banking options offer lower fees, larger ATM networks, and more free services. The Walmart MoneyCard does offer earlier access to deposits than many traditional banks, but with much stricter limits and fees. Research your options before you make a final choice.
The Walmart MoneyCard is good for cash walmart money card won t activate. Available as both Mastercard and Visa, the Walmart MoneyCard can be used to shop online or in-store anywhere those particular types of card are accepted. However, where the Walmart MoneyCard really comes into its own among the best prepaid debit cards is when making purchases at Walmart itself. If you're not looking for a debit card, and want to spread payments, consider one of the best credit cards instead.
Walmart Walmart money card won t activate Benefits
Walmart MoneyCard: Key Features
Application process: Online or in-store
Benefits: Maximum $75 cash back, savings feature
Fees: $5 monthly fee, can be waived
- Up to $75 cash back
- Savings feature paying 2%
The Walmart MoneyCard allows you to earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, and 1% cash back at Walmart stores, up to an overall maximum of $75 each year. Then there’s the option to get your pay up to two days before payday (or your government benefits up to four days in advance) with the free ASAP Direct Deposit (subject to deposit verification and your payment provider’s process and timing).
The Walmart MoneyCard also allows you to put money away and earn 2% annual interest in the free savings feature that comes with the Walmart MoneyCard app, while there is automatic entry into a monthly draw to win cash prizes too.
On a more practical basis, it is possible to use a Walmart MoneyCard to make ATM withdrawals (you’ll need to set up a PIN first), and use it to cover regular monthly payments for things such as gym membership, cable TV and your cell phone bill. You can also quickly send or receive money from other Walmart MoneyCard cardholders or any other Green Dot Bank (they are the issuer behind the card) issued card nationwide.
Walmart MoneyCard: Application process
- In-store or online
- Doesn't impact credit score
It is possible to apply for a Walmart MoneyCard either in-store at your local Walmart or online, but there will be a number of things you will need to share to get started. You will be expected to verify your name, address, date of birth, Social Security number, and mobile phone number, while you will likely need to provide your driver’s license or another identifying document at the same time. Note also that if a valid Social Security number is not provided, a personalized card will not be issued.
You walmart money card won t activate be at least 18 years old to register as a primary Walmart MoneyCard cardholder, although it is then possible for a primary cardholder to order a card for their children between the ages of 13 -18 through the Walmart MoneyCard app (up to a limit of four cards per account).
Importantly, getting a Walmart MoneyCard account does not impact your credit since a line of credit isn’t issued, there’s no requirement to make monthly payments, and no need to report your card activity to the major credit bureaus.
Walmart MoneyCard: How long before I can use it?
- Online application, within two weeks
- In-store, limited use Starter Card immediately
Applying for the Walmart MoneyCard online will involve you waiting for your new card to arrive by mail. It should be with you within two weeks, at which point you’ll need to activate it online or using the Walmart MoneyCard app, and then deposit money to your card before you can start using it.
However, if you sign up using the Walmart MoneyCard packages found in stores, this will include a limited use Starter Card that can be used (after it is registered online) to pay for purchases until your personalized card arrives in the mail. The Starter Card can be reloaded with money and can be used for ATM transactions or other cash withdrawals upon successful identity verification.
Again, it will then be a case of waiting for your personalized card to arrive in the mail and then activating this online or using the Walmart Moneycard app - any money on your Starter Card should automatically transfer over once it goes live.
Activating your personalized Walmart MoneyCard will unlock several features that make it easy to do things like pay bills on your schedule, deposit checks from your smartphone, and more.
Walmart MoneyCard: Fees
- $5 monthly, unless balance over $1,000
- Free withdrawals in store
The first thing to say is that there are no fees on purchases, and free cash withdrawals at Walmart locations. However, there is still the potential to accumulate costs if you’re not careful.
Firstly, there is a $1 one-time fee to pay at the register if you buy a Walmart MoneyCard fee at a Walmart store. From here, there is a monthly usage fee of $5, although this will be waived if you load $1,000 or more to your card in the previous month. Reloading your Walmart MoneyCard with cash can also come at a price, with $3 charged for doing it at a Walmart store and up to $5.95 being payable if you reload at other locations. However, there is no charge when proceeds of checks cashed at Walmart stores are added to your account, and of course, your paycheck or benefits can be deposited to your balance for free.
In terms of getting cash with your Walmart MoneyCard, an ATM withdrawal will cost $2.50 and may attract a further fee from the ATM operator, while the same fee applies if making a teller cash withdrawal at a bank. For this reason, it is always best to try and make cash withdrawals at Walmart MoneyCenters and Customer Service desks, where no fee will be charged. It is also worth noting that making a balance inquiry at an ATM will be charged at $0.50, with further fees possible from the operator, so try to check your balance online by logging in to the website or the mobile app.
If you are thinking of using a Walmart MoneyCard outside the U.S., this will attract a fee equivalent to 3% of the U.S. dollar amount of each transaction. Finally, there is a $5.95 fee if you want a pack of 12 paper checks, a $3 charge for the regular delivery of any replacement card, and a $15 charge on top of that if you need a replacement card by expedited delivery.
Should you get the Walmart Money Card?
Whether the Walmart MoneyCard will be good for you will likely depend on your shopping habits and ability to avoid paying the monthly fee. For Walmart devotees, it should be possible to attain the maximum $75 cash back a year, and if you want to use the Walmart MoneyCard for cash withdrawals it is best to do this at Walmart MoneyCenters and Customer Service desks for free. However, you won’t want to reload your card at the Walmart checkout, as this walmart money card won t activate cost $3, and it will cost even more if done elsewhere. Making sure you take advantage of the free (and early) direct deposit of your pay or benefits is key.
More positives include the lack of fees on purchases and the 2% savings option, but to really make it worthwhile financially, you should try to keep your balance above the $1,000 mark, then you won’t have to pay the $5 monthly fee.
With over 20 years’ experience in the financial services industry, Tim has spent most of his career working for a financial data firm, where he was Online Editor of the consumer-facing Moneyfacts site, and regularly penned articles for the financial advice publication Investment Life and Pensions Moneyfacts. As a result, he has an excellent knowledge of almost areas of personal finance and, in particular, the retirement, investment, protection, mortgage and savings sectors.
Can the Walmart MoneyCard Act as a Checking Account?
Whereas a savings account is an ideal place to earn interest and hold cash for long-term and short-term goals, a checking account comes in handy for bills and everyday expenses.
However, this isn’t the only option for paying bills.
The Walmart MoneyCard is also useful for managing money, yet you might wonder whether this card can be used the same as a checking account.
The short answer is yes. But before you run out and get a Walmart MoneyCard, here’s what you need to know.
What is the Walmart MoneyCard?
To put it plainly:
A Walmart MoneyCard is a reloadable prepaid card.
This is different from a bank debit card because it’s not linked to a bank account.
Even so, the Walmart MoneyCard is backed by a major bank — Green Dot Bank — so it offers many features of a checking account.
No overdrafts allowed
A huge benefit of a Walmart MoneyCard is that you don’t have to worry about overdraft fees.
This is because you’re only allowed to spend what you load onto the card. In addition, there’s no credit check because it isn’t a credit card.
With that being said, anyone can get a Walmart MoneyCard despite their credit history.
The card does feature a Visa or MasterCard logo, however, so you can pull it out wherever these cards are accepted and enjoy the benefits of a credit card.
What You Get With the Walmart MoneyCard
The above features of the Walmart MoneyCard only scratch the surface.
For the most part, this card is designed to help you easily manage your finances.
Therefore, you’ll enjoy the following additional benefits:
1. Get an account number and a routing number
Even though the Walmart MoneyCard isn’t a traditional checking account, it does come with a routing number and an account number. This is similar to a checking account with a bank.
This feature is convenient when using your Walmart MoneyCard for an online purchase or when paying bills online.
Some bill payment systems will ask for an account number and routing number when setting up a one-time or recurrent payment. Provide this information and you’re good to go.
Use the card to pay your rent, mortgage, car payment, credit card bills, and utilities.
2. Easy access to cash
You may have concerns about the accessibility of funds loaded on the card.
Another attractive feature of the Walmart MoneyCard is that you can access your money anytime by using an ATM. This is regardless of your location.
Just know that there’s a $2.50 ATM withdrawal fee per transaction.
Likewise, there’s a $2.50 teller cash withdrawal fee per transaction. You can, however, avoid ATM fees by withdrawing cash at a Walmart MoneyCenter.
There’s also the ability to get balance information at ATMs for $0.50.
3. Earn up to 3% in cash back rewards
A unique feature of the Walmart MoneyCard is that you can earn cash back on everyday purchases. This is similar to rewards programs offered by many credit cards.
The more you shop, the more cash you can earn.
- 3% cash back at Walmart.com
- 2% cash back at Murphy USA and Walmart fuel stations
- 1% cash back at Walmart stores
The downside is that you can only earn up to $75 in cash back rewards each year.
Rewards are redeemable at Walmart.com and through the mobile app.
4. Track your account through the mobile app
Similar to a traditional checking account with a bank, there’s the option to download the Walmart MoneyCard mobile app.
From here, manage your reloadable prepaid Visa or MasterCard.
You walmart money card won t activate check your MoneyCard balance, review your account history, set up bill pay, review your cash back reward balance, order paper checks, and even deposit your paychecks with the app.
The latter is a must-have if your employer doesn’t offer direct deposit.
5. Multiple ways to fund your account
Keep in mind that when you get a Walmart MoneyCard, there are different ways to load money onto your card.
The most convenient way is to sign up for direct deposit, if an option.
Instead of receiving a paper check from your employer, funds are automatically deposited onto your prepaid card.
Direct deposit is a faster way of getting your paycheck. Some people receive their money up to two days earlier.
Other convenient options include visiting a Walmart MoneyCenter and putting cash on walmart online christmas trees card this way.
Additionally, you can reload your card at a Walmart register, through online bank transfer, or via another retailer.
During tax time, you can even have your tax refund direct deposited onto your MoneyCard.
What Fees Can You Expect With a Walmart MoneyCard?
Walmart MoneyCard reload fees vary depending on the chosen method.
There’s no fee if your employer offers direct deposit and you use this method to put cash on the card.
There’s also no fee if you reload the card in conjunction with using Walmart’s check cashing service. Similarly, you can initiate an online bank transfer for no fee.
Keep in mind:
You’ll pay up to $4.95 to reload the card at a retailer besides Walmart. Also, there’s a $3 fee to use Walmart Rapid Reload. With this method, you swipe your card at a register and then add cash to the card.
Monthly fee can be waived
Make sure you’re aware of other fees associated with this card to avoid surprises.
For example, there’s a monthly service charge of $5. You’ll avoid this fee if you load $1,000 or more in the previous month.
The replacement card fee is $3. This applies if the card is lost, stolen, or damaged.
Another benefit of the Walmart MoneyCard is the ability to use it abroad, due to the Visa or MasterCard logo. Even so, be prepared to pay a foreign transaction fee of 3%.
Take Advantage of Walmart’s MoneyCenter
Not only does Walmart offer a reloadable prepaid card that can function as a checking account and used to pay bills, it also offers a variety of other services through its MoneyCenter.
Moving money around
Use the center for money transfers, which offers a fast and affordable way to send money domestically and internationally.
There’s also the option to order personalized checks from the MoneyCenter. The ability to write a check comes in handy when you’re unable to use cash or your MoneyCard in a situation.
You can also use the MoneyCenter to pay a variety of bills for only $1 each. This includes your auto loan, mortgage/rent, child support, utilities, and more.
In addition, purchase money orders, cash checks, use Coinstar, and even utilize tax preparation services in stores.
To make it clear, these services aren’t included with the Walmart MoneyCard. Rather, these services are available through the retailer’s MoneyCenter for your convenience.
Using the Walmart MoneyCard as a Checking Account
The Walmart MoneyCard without a doubt has features that are similar to a checking account.
You can pay your bills online using a routing number and account number. And with the ability to use your card at ATMs, your money is always accessible.
Plus, the app allows you to track your balance.
But at the end of the day, this isn’t a checking account. So there are some things that the MoneyCard can’t do.
For example, there’s no overdraft with a Walmart MoneyCard.
So while your bank may allow a transaction to go through if you don’t have sufficient funds in your checking account, this isn’t an option with the MoneyCard. The card will decline if you don’t have sufficient funds in your account for a purchase.
Also, using the MoneyCard can be more expensive.
While it’s true that many checking accounts charge a monthly fee, the cost to use the MoneyCard could exceed what some banks charge. This depends on your reload method.
Let’s say you reload the card four times a month.
Yet, you don’t load enough onto the card to avoid the monthly fee. At $3 per reload with Walmart Rapid Reload, and a $5 monthly service charge, you’ll pay $17 a month just to have the card.
If you go to an ATM twice a month, that’s an additional $5 in fees.
Therefore, you can easily spend $23 a month in fees with the MoneyCard.
On the other hand:
There are many checking accounts that don’t charge monthly fees, or have monthly fees under $10.
Final Verdict: Should You Get a Walmart MoneyCard?
The bottom line is that the Walmart MoneyCard can be an excellent alternative if you walmart money card won t activate have a checking account.
More so if you’re looking for a simple, convenient way to manage cash.
It offers features of a traditional checking account and a credit card, but without the credit check or overdraft fees. Just make sure you count the cost before getting the card.
Based on your projected frequency of reloads and ATM visits, estimate how much you’ll likely spend in monthly fees with this card, and then decide whether it makes sense from a financial standpoint.
Continue ReadingИсточник: https://www.mybanktracker.com
Walmart's MoneyCard will let you direct deposit your coronavirus stimulus check
Walmart set up a way for new MoneyCard customers to direct deposit their stimulus checks in a move that could help those who don’t have access to traditional bank accounts. The announcement also follows reports that Americans are having a hard time accessing the payout they were promised.
On Wednesday, Walmart announced that new MoneyCard customers can direct deposit economic impact payments to its Green Dot-backed, reloadable debit card. The big box retailer said the entire process can be done online and is meant to be affordable and fast.
"We know getting immediate access to funds during this time of financial uncertainty is a priority for everyone – including the millions of customers who rely on our stores for essential financial services," Walmart said in a statement.
New customers can sign up at WalmartMoneyCard.com. The company will have a card sent to them through the mail within five to seven business days.
The checks are flowing: Here's how Americans are spending coronavirus stimulus payouts
How it works
Through an online MoneyCard account, Walmart is making it so that you can get immediate access to banking information, a necessary part of receiving e-payments from the Internal Revenue Service.
If the federal agency doesn't already have your bank account information and you qualify for a government payout of up to $1,200, you must input those details at IRS.gov before checks are mailed out.
The timing of Walmart's announcement falls on the heels of several reports that Americans are having issues receiving stimulus checks. On Wednesday, 80 million people were supposed to have the money deposited into their accounts, but many said it ended up going somewhere else.
There were also glitches on the portal designed to provide information on the status of federal stimulus payments.
Walmart isn't the first to try to reel in new customers by providing access to fast money in the age of coronavirus, which has left millions of Americans without jobs.
The online payment companies and mobile banking apps PayPal, Cash App and Chime have each touted account number services allowing people to accept stimulus checks via direct deposit. Another fintech company, Current, has also said that it is crediting all stimulus payments for all members faster than traditional banks.
Follow Dalvin Brown on Twitter: @Dalvin_Brown.
How to Cancel a Walmart Money Card
Woman holding credit card while on phone
Image Credit: IPGGutenbergUKLtd/iStock/Getty Images
The Walmart Money Card is a prepaid debit card that is issued at Walmart stores nationwide. It is issued by the Green Dot Corp. The Walmart Money Card allows account holders to make purchases in stores, at restaurants, online or anywhere that credit cards are accepted using the card after they've put money into the account. To cancel your Walmart Money Card, you will need to directly contact the card's customer service center.
Calling to Cancel Your Card
Call Walmart Money Card customer service at 877-937-4098. Press "4" on your telephone's keypad to be connected with the customer support center.
Enter the required information, such as your Walmart Money Card number, as the system prompts you. You will then be transferred to a customer support agent.
Inform the agent that you would like to close your Walmart Money Card account. You may have to answer some identifying questions such as your birth date, address or your Social Security number, so that the agent can verify that you are the account holder. He will then close your account at your request. Cut up the card into tiny pieces and discard, if you desire.
Close Your Account by Mail
Address your envelope to Walmart Money Card's customer service address, which is below. Affix proper postage to the envelope.
Write or print a letter that contains your request to have your Walmart Money Card account closed. Include the account number, your name, address and telephone number in the request.
Wait to receive either a phone call from Walmart Money Card that will verify that you wish to close your account or a letter from the company stating that your account was closed at your request. If a original victoria secret angels support agent calls, you may have to give some personal identifying information, such as your birth date or your Social Security number, so that the agent knows that you are the account holder.
If your Walmart Money Card has a balance at the time it is closed, you will be mailed a check for the remaining balance in six to eight weeks.
Do not cancel your Walmart Money Card if you plan to use the card again in the future.
Not a gift card. Must be 18 or walmart money card won t activate to purchase. Activation requires online access, mobile number and identity verification (including SSN) to open an account and access all features. Activated, personalized card required to access some features.
Green Dot Cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. These registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Green Dot is a registered trademark of Green Dot Corporation.
Banking services provided by, and the Uber Visa Debit Card, is issued by GoBank, a brand of Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.
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