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Green Dot Prepaid MasterCard®

The Green Dot prepaid MasterCard is one of the most popular prepaid credit cards available. It comes with extremely low fees, and it is one of the few prepaid cards that offer free ATM withdrawals at more than 15,000 locations. There is no credit check or bank account required to obtain the card.

The Green Dot Prepaid MasterCard® is a prepaid card available to those with bad credit or no credit at all. The funds available on the card a determined by what you deposit onto the card which means this is not a line of credit. Your past credit history does not come into play and will not keep you from being approved. When applying for a card you do have to provide your name, address, and social security number. Federal law requires this information to be verified. As a bonus the card offers a $10 credit that will be issued within five business days to the card that receives the first direct deposit of $250 or more from an employer or a government agency.

How To Add Funds
You can have your paycheck directly deposited onto your Card and the service is free. You can deposit your whole payroll check or a portion of it. You can also Load cash on your card using the MoneyPak which is available at thousands of neighborhood stores nationwide. Pick one up from the Prepaid Product Section, take it to the register, and load it for the amount of your reload. Then go to or call 1-800-GREENDOT to apply the funds to your Card. Most retailers charge $4.95 for this service. Finally, you can reload your Green Dot card directly from your bank, credit union, or other financial institution. Many banks offer the ability to transfer funds through a process known as ACH transfer. You can load your card with the click of a button. Green Dot does not charge for this service, although your financial institution may charge a fee.

Green Dot Fees
There are fees you should know about before using the card. This card is a prepaid card which means there will not be any interest fees or late fees, but there are still fees associated with the card.

Initial Purchase Varies by retailer, up to $4.95 ($6.95 for the NASCAR® Prepaid Visa Card).
Monthly Charge Waived in any monthly billing cycle when you load at least $1,000 to your Card or have 30 posted purchase transactions (excludes all ATM declined withdrawals, ATM balance inquiries, teller cash advances and online bill payments at Otherwise, $5.95.
ATM Withdrawal & Teller Cash Advance Free at in-network* ATMs. All other ATM withdrawals: $2.50**. Teller cash advance: $2.50
ATM Balance Inquiry at Non-Network ATMs $0.50
Lost/Stolen Card Replacement $6.00
Reload at Retail Location Varies by retailer, up to $4.95
Expedited Card Delivery $19.95
Second Card $4.95

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  • Gail Wilson

    I do not understand why I got a notice from you saying my social security direct deposit had been rejected when I spoke with them and they show your bank getting it. Please advise.

    • Michal

      Gail – It sounds like you might need to contact Green Dot directly. Their contact number is 1-866-795-7597.