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The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by. 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. All products, logos, and company names are trademarks or registered trademarks of their respective holders. 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. Just $5 a month (compared to $9.95) for purchase Just direct deposit $500 or more in payroll or government benefits in a calendar month to your Card Account. deducted from check total prior to loading your Card Account. 8 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. If you choose the pay-as-you-go plan, itll be hard to maneuver without tripping over a fee. 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. Youll also experience a $3 Over-the-Counter (OTC) cash withdrawal fee at financial institutions like banks or a 2.75 percent fee of the total withdrawal at in-network reload locations (or $4, whichever is greater). Open only to U.S. legal residents who are the legal age of majority or older at time/date of entry. may affect your credit. Use of the Card Account is subject to activation, ID verification, and funds availability. 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. For This is a third-party fee and is subject to change. At Bankrate, we have a mission to demystify the credit cards industry regardless or where you are in your journey and make it one you can navigate with confidence. We value your trust. The best move by far is to accept the reduced monthly plan as a Brinks Preferred Benefit member, which requires $500 in qualifying direct deposits each month. For one, setting up direct deposits with the Brinks card means funds are available up to 2 days earlier than with a bank. The Brinks Mastercard is a prepaid card designed for day-to-day purchases. 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. Cash back rewards are credited to your Card Account and are not available in the form The Brink's Money Paycard Mobile App gives you the power to manage your account on the move. Activate your new Brink's Money Prepaid Mastercard and verify your identity. Other prepaid cards like the Amex Serve Cash Back prepaid card may rake in more rewards and provide lower cost networks. availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. prevention restrictions at any time, with or without notice. The Brink's Prepaid Mastercard is designed for consumers who want the convenience of paying with plastic but don't want (or don't qualify) for a regular credit card. Fraud prevention restrictions may delay availability of funds with or without notice. Bankrate follows a strict editorial policy, so you can trust that were putting your interests first. The Brink's Money Prepaid Mastercard gives you the convenience of having a bank debit card. Unfortunately, your balance will be constantly nibbled into by the cast of fees that usually come with even the best prepaid cards. calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. (877) 788-9067, or click the link below and activate it online. Sign Up Now. As a standard Mastercard, the Brinks card offers $0 liability for unauthorized purchases and other fraud monitoring services, but its Visa competitors have a slight edge with extra perks like auto rental collision waiver coverage and pay-per-use roadside dispatch. Certain products and services may be licensed under U.S. Patent Nos. for repayment of any negative balance. And look at all the freebies you get: Free direct deposit. Republic Bank & Trust Company and Mastercard are not affiliated in any way with this optional offer and do not endorse or sponsor this offer. Consolidating vs. Interest is calculated on the Average Daily Balance(s) of the standard Replacement Card Fee. Approved purchase transactions may 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. editorial integrity, CTA Banner. Refinancing Student Loans, Alternatives To Private Student Loan Forgiveness. Charges a monthly maintenance fee of up to $9.95. 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. Copyright 2023 SuperMoney, LLC. We maintain a firewall between our advertisers and our editorial team. 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. These are promotional rates and may change without notice pursuant to applicable law. Prepaid Debit Cards from, Please write a review to submit your vote, Compare Business Checking Accounts Reviews. PayPal's prepaid MasterCard charges $4.95 per month for unlimited purchases. The redemption options can be valuable, but the point values and higher-yield reward opportunities are a bit foggy unless you already have an account. 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. I've never heard of that type of card in the US, nor am I familiar with the California Bank that may clear Brinks US debit card transaction. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. These are some of the most common fees associated with the use of your Card. Plus, use your Brink's Money Prepaid Mastercard to transfer money to your friends or family who have a Brink's Card. No Minimum Balance, No Late Fees - because this is not a credit card This is a third-party fee and is subject to change. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Brink's Money Paycard - Cardholders. Greater of 2.0% of total check amount or $5.00 per check load. in electronic form. Program sponsor: Netspend Corporation. 9 Custom Card Fee applies. 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. 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. 3. Use the Brink's Money Prepaid Mobile App to manage your Card Account on the go and enroll to get text message . 3 Fee may be assessed by reload location and may vary from location to location. What bank does Brinks prepaid Mastercard use No late fees or interest charges because this is not a credit card. But with Brink's Complete, they can improve savings & reduce the hours it takes to handle cash. Login. 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. Brink's Prepaid Mastercard is issued by Republic Bank & Trust Company, which is based in Louisville, KY and was founded in 1982. Are you an existing customer? Business Loans for New Businesses: What You Need To Know ? Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. 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 6,000,608 and 6,189,787. You can use your Brink's Money Prepaid Mastercard to pay for just about anything. and everyday life! Brink's Money Prepaid Mastercard. To participate in the Savings No cost for online or mobile Account-to-Account Cardholder is responsible for repayment of any negative balance. Terms apply to the offers listed on this page. You can add money to your Brink's Card from an existing bank account or from another Brink's Card. Because the Payback Points programs terms are a bit vague, its difficult to tell the exact point value. 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. All other trademarks and service marks belong to their owners. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. 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. Youll earn 1 Payback Point per dollar on signature purchase transactions (just select credit on the keypad at checkout), minus your purchase fees. Calculated based on the U.S. Dollar amount of the purchase transaction or cash withdrawal. See the Netspend Corporation.All rights reserved worldwide. The company you trust offers you the features and benefits. Our experts have been helping you master your money for over four decades. Mobile Check Load is a service provided by First Century Bank, N.A. Domestic ATMs only charge a $2.50 withdrawal fee. The maximum balance you can have on Brink's Prepaid Mastercard is $15,000. The company's mission is to develop Check the banks website for the most current information. What are index funds and how do they work? 4% of the U.S. Dollar amount of the purchase transaction. institution. Recommendation score measures the loyalty between a provider and a consumer. (CT) brinksmoneypayroll@brinksinc.com www.brinkspayrollcard.com CompuSafe Customer Support 8. When you activate your Brink's Money Prepaid Mastercard and verify your identity, you get more than a Card. If to see your driver's license or other identifying information. What Are the Differences Between Federal and Private Student Loans? Put your picture on a Card for added security when paying a merchant in store. See if you qualify for student loan refinancing and compare real time offers. Netspend is a registered agent of Republic Bank & Trust Company. Each purchase will cost $1.50, but the $9.95 monthly plan may save you money depending on how often youll use your card. identity. The Brink's Money Prepaid Mastercard combines the security of Brink's with the flexibility and power of Netspend. What bank is Brinks all access? This is a third-party fee and is subject to change. April The information, including card rates and fees, is accurate as of the publish date. theYear = now.getYear(); For people without credit, the. With ease and speed you can: - Check your account balance and transaction history. The Brinks prepaid card is issued by Netspend and carries a nearly identical structure to the Netspend Visa Prepaid Card down to the rewards, fees and most benefits. For people without credit, theDiscover it Secured Credit Cardis the superior option, and consumers should consider it over the Brinks due to its lack of fees and credit-building features. For a complete list of fees, please refer to the fee schedule in the Cardholder Unless youre dedicated to a prepaid card, alternative options like one of the best checking accounts might be cheaper. Brink's US Email: csc-dfw@brinksinc.com Their use does not signify or suggest the endorsement, 5. * Get direct deposit information. Is Refinancing Your Student Loan Worth It? Its not a long-term option, but is a great short-term solution. Greater of 5.0% of total check amount or $5.00 per check load. Fee is determined and assessed by operator of Netspend Reload Network location, and varies depending on location. See the Cardholder Agreement for details. Card use subject to activation and identity verification. 7 The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. Compare real offers from multiple lenders. Any opinions, analyses, reviews or recommendations expressed here are those of the authors alone, Brink's Money Prepaid Mastercard. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Fees apply for approved Money in Minutes transactions funded to your card. Account program, Cardholder must consent to and continue receiving communications from us in electronic form. 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). if (theYear < 1900) theYear = theYear + 1900; 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. Cardholder is responsible for repayment of any negative balance. - 8 PM. 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. Netspend, a Global Payments company, is a registered agent of Republic Bank & Trust Company. 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. The offers that appear on this site are from companies from which Bankrate.com receives compensation. Answer: I would suggest looking at the back of your card. The owner of this website may be compensated in exchange for featured placement of certain BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. The Savings Account is made available to Cardholders through Republic Bank & Trust Company; Member FDIC. affiliation, or sponsorship, of or by SuperMoney or them of us. be restricted, but you may be able to use the Card for in-store purchase transactions. Don't have a card? So you can avoid interest payments, bounced checks, or overdraft fees. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction. ; 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 . Brink's Prepaid Mastercard charges a monthly fee of up to $9.95. Home equity line of credit (HELOC) calculator. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Features 10.0/10. Pay-As-You-Go Cardholders must enroll in the Reduced Monthly Plan to receive it. Netspend is the federally registered U.S. service mark of Netspend Corporation. 4. However all credit card information is presented without warranty. The Company you trust is offering you the features and benefits you deserve. Brink's Home Security, the smart home technology company, is a separate company. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. 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, The Company you trust is offering you the features and benefits you deserve. For example, it provides free withdrawals at 30,000+ MoneyPass ATMs ($3.95 at others). 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 may apply.) A FICO score/credit score is used to represent the creditworthiness of a Enroll in Brink's Money Payback Points. Can a First-Time Home Buyer Get a Jumbo Loan? See the program FAQs and Terms and Conditions in your Online Account Center for additional * Find surcharge free ATMs. deducted from check total prior to loading your Card Account. No minimum balance necessary to open Savings Account or obtain the yield(s). (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. You could win up to $5,000 in the Brink's Show Me The Money Truck Sweepstakes. 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, Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could The company you trust offers you the features and benefits you deserve to create a more convenient way to bank. 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. Card use subject to activation and identity verification. Nouri Zarrugh is a writer and editor for CreditCards.com and Bankrate, focusing on product news, guides and reviews. This product is 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%. 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. theYear = now.getYear(); There is a Live Chat feature on the website under Customer Support. You have not yet won. restrictions may delay availability of funds with or without notice. Use your Brink's Money Prepaid Mastercard to shop online, in stores, on the phone basically anywhere Debit Mastercard is accepted! To order a Card, provide your name, mailing address and email address. 1, 2020. the Average Daily Balance which is $1,000.00 or less will be 4.91%. Agreement. 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. Answer: It depends on the country where the card is issued. With Brink's Money, everyone is eligible regardless of credit history,2 Once you activate your Brink's Money Prepaid MasterCard, you'll love the Brink's Money Program because it's: Fast and Convenient: No more waiting to get your paycheck. Here are some of the ways to add money to your Card Account once you've activated your Card and verified your identity.1, Add Money to your Brink's Money Prepaid Mastercard >. Cardholder is responsible (CT) Saturday - Sunday: 8 AM. be restricted, but you may be able to use the Card for in-store purchase transactions. 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). the Average Daily Balance which is $1,000.00 or less will be 4.91%. These are variable rates and may change No fee to receive If your identity is partially verified, full use of the Card Account will Buying a Mobile Home: What You Need to Know, Compare Motorcycle and ATV Insurance Reviews, Compare Personal Watercraft Insurance Reviews, Considering Renters Insurance? create up to a $10.00 negative balance on your Card Account. There is a reload fee of up to $3.95 fee every time you reload the card. Instead, you might want to focus on earning a higher credit score with your card if you have less-than-perfect credit. Your funds on deposit are FDIC insured up to $250,000 through your issuing bank, subject to aggregation of all funds held on deposit. - Find surcharge free ATMs. 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. Interest is You have money questions. 2. *Card issued by Republic Bank & Trust Company, Member FDIC. The Brink's Money Prepaid Mastercard is issued by Republic Bank & Trust Company, Member FDIC, pursuant to a license by Mastercard International Incorporated. These are promotional rates and may change 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%. Use of Card Account also subject $3.00 per transfer. Prizes include (4) Grand Prizes valued at $5,000 each; (12) First Prizes valued at $500 each, (12) Second Prizes valued at @250 each, and (12) Third Prizes valued at $100 each. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us