Western Union has created a prepaid debit card that is intended to help consumers avoid expensive check-cashing fees and buying money orders. The average Joe is spending $324.69 every year on these fees!
With the rewards card you will naturally earn reward points. These points can be redeemed for goods and services. And both the Western Union debit cards are issued through MetaBank.
Prepaid debit cards sprung up in the beginning of the credit and mortgage crisis. They have become vastly popular with individuals without a bank account. Many people have also found these cards helpful, because you can only spend money that you have already deposited on your card. And thus, you eliminate the risk of creating any debt!
How It Works
You will never be charged a late fee, an overdraft fee, a bounced check fee, or any interest rate fees. There is no chexsystems report check or minimum deposit. There is no credit check and you’re guaranteed approval. You will need to comply with the U.S. Patriot Act.
All financial institutions must comply with this law and it simply is identification verification. It doesn’t matter if you have been listed in chexsystems and are unable to get a checking account or have really bad credit, you’ll still be approved!
How To Deposit Money
You will be given free direct deposit, which will save you anywhere from $2-$3 on check cashing fees, every time you get paid. You can use free direct deposit for:
- Payroll checks
- Retirement checks
- Pension checks
- Social Security checks
- Unemployment checks
Direct deposit will give you quicker access to your money, it has been estimated up to 48 hours quicker. To sign up for free direct deposit, just log in to your online account and print up a form. Fill this form out and turn it into whomever you get your paycheck from.
It will usually take one to two pay periods before your check will be directly deposited on your Western Union prepaid card. You can also deposit cash at over 46,000 Western Union retail locations. And transfer funds from one card account to another card account. This is ideal with a loved one that is not financially independent.
Where It’s Accepted
This is a real Visa or MasterCard and can be used to rent a car, buy things online, pay bills, use over the phone, and it is even accepted worldwide. You are given free online and phone access to your account. You can sign up for free text SMS alerts and e-mail alerts. These alerts can very helpful in managing your money.
Western Union Prepaid Debit Card Fees
Many prepaid cards have a monthly maintenance fee, an activation fee, and even a fee to purchase the prepaid card. However the Western Union debit card gives you:
- A free prepaid card
- Free online activation
- $0 Monthly maintenance fees
If you are currently suffering from expensive check cashing fees or have to go to the store and purchase a money order every time you want to pay a bill, then we would strongly encourage you to apply for a prepaid card. There is 100% guaranteed approval, no credit check, and no bank account required.
And you will never pay another overdraft fee, interest fees, or late fee. Best of all you will be given free direct deposit so you’ll never have to pay to get your check cashed again! For full details visit and to apply online visit the Western Union prepaid card website at https://www.wuprepaid.com/.
If you’re tired of living with less than perfect credit, get a free credit consultation by calling toll-free 1-877-418-7596. For more tips and strategies on how to fix your credit with Dan Willis, sign up for our free newsletter.
Get a FREE Credit Consultation