Green Dot Bank Review, Green Dot Debit Card and Green Dot Credit Card

Green Dot Credit Card Review

Green Dot Bank is an American fintech company that was founded in 1999. It is online banking, one of the largest providers of prepaid debit cards in the United State. Green Dot Bank is owned by Green Dot Corporation. GoBank and Bonneville Bank is also owned by Green Dot Corporation. In that case, this article will focus on Green Dot Credit Card (GDCC) and other related issues on Green Card.

Green Dot Cards was proposed in 2001 and start functioning fully in 2010. Green Dot Debit Card has been expanded thereby providing payments processing and other services for global brands such as Intuit, Uber Technologies, Apple, Walmart, and Amazon.

Pros and Cons of Green Dot Credit

This part of the article will list out the cons and pros of this credit and debit card. This will keep you awake about the card in question. To explore these, keep reading as you enjoy your time.

Pros of Green Dot Cards

====> You will earn 2% cash back on certain purchases

====> No minimum balance requirement of your account.

====> No credit check on the card

====> No overdraft fees attached to the card

Cons of Green Dot Credit Card

====> You will be charged a monthly fee of $7.95 is steep if you don’t meet spending minimums

====> No joint accounts allowed

====> You will be charged $3 out-of-network ATM fee

====> Cash-back rewards are restricted to certain transaction types

Green Dot Cards Overview

Green Dot Bank issues various credit cards to her customers on demand. Green Dot’s prepaid debit card options include

Green Dot Credit Card Review

Green Dot Visa Debit Card

Green Dot Pay As You Go Visa Debit Card

Green Dot Cash Back Visa Debit Card

Now, we will take a look at each of these credit cards and explore more about them.

Green Dot Visa Debit Card

One of these credit cards we will discuss in this part of the article is Green Dot Visa Debit Card.  Out of the features mentioned above, Green Dot Visa Debit Card allows access to Green Dot’s Money Vault, which allows you to keep the money for major purchases.

This purchase includes a dream vacation, an emergency savings fund, or any other purpose of your choice. As soon as you move your money to the vault, it will not be available for making purchases or ATM withdrawals until you transfer it back to your card.

Therefore, you as a customer having Green Dot Visa Debit Card in your wallet, you will not be charged a bank transfer fee. Keep in mind that other banks may charge you but Green Dot Bank will not charge you for any penny.

On the other hand, you will be able to save a $7.95 monthly maintenance fee when you direct deposit $500 or more in the prior month.

Not only that, you will avoid a one-time inactivity fee of $7.95 if you use your card at least once within your first 90 days. Other Green Dot Visa Debit Card charges are as follow

====> You will be charged $3 for ATM withdrawals per transaction

====> You will be charged $5.95 paper checks for a pack of 12

====> You will be charged $3 teller withdrawals per transaction

====> You will be charged %$1.95 purchase price

====> You will be charged $0.50 ATM balance inquiries at ATM Machine

====> If you want to replace your card, you will be charged $5 for card replacement

====> You will be charged $4.95 as cash deposits at participating retailers

Green Dot Pay As You Go Visa Debit Card

Another Green Dot Credit Card to talk about now is the Pay as You Go Visa Debit card. This is a flexible credit card issued by the same bank. On this credit card, you don’t need to worry too much about the monthly fee attached to other credit cards issued by Green Dot Bank.

Meanwhile, using this credit card may be expensive while using. On every transaction, you will be charged $1.5. Although this type of fee structure could add up quickly, the tradeoff may be worth it for people who want to use a prepaid card to control their spending in certain purchase categories, such as groceries.

In addition, Green Dot Pay As You Go Visa Debit Card retain must feature Green Dot’s other cards, which include free direct deposits, free bank transfers, and the option to use the Money Vault.

As for the Pay As You Go Visa Debit Card’s other fees, they include:

====> ATM withdrawals $3 per transaction, this is considered too high, imagine you make use of your card multiple times a day

====> Not only that, if you make use of a teller to withdraw, you will be charged $3 per transaction

====> In case you want to check your balance via ATM, you will be charged $0.50

====> This Green Dot card has a purchase price of $3.95

====> The card attracted $4.95 as cash deposits at participating retailers

====> Inactivity fee is $9.95

====> Pay As You Go Visa Debit Card replacement will cost you another $5

====> On the other hand, paper checks will cost $5.95 for a pack of 12

Green Dot Cash Back Visa Debit Card

As the name implies, this is a cash back debit card. You will enjoy 2% back on mobile and online purchases with no caps. You will also enjoy another 2% annual interest on a fee-free saving account using while using Green Dot Cash Back Visa Debit Card

Not only that, the cardholder will enjoy free in-network ATM withdrawals and free cash deposits at participating retailers.

On the other hand, these are charged attached to this credit card.

====> You will be charged a purchase price of $2.95

====> Out-of-network ATM balance inquiries will cost about $0.50

====> You will enjoy free cash deposits at participating retailers

====> In-Network ATM withdrawals and balance inquiries are also free

====> In case you want to make use of teller withdrawals, you will be charged $3 on every transaction

====> Out-of-network ATM withdrawals will attracted $3 on every transaction

====> Green Dot Cash Back Visa Debit Card replacement will cost you $5

====> On the other hand, paper checks will cost $5.95 for a pack of 12

Green Dot Card Eligibility Requirements

For you to register for the Green Dot Debit Cards, you must have the meet the following.

====> Applicant must have a valid Social Security Number

====> Applicant must be 18 years above

How to Get Green Dot Prepaid Credit Cards?

In other to get a Green Dot Credit Card, the applicant needs to follow the steps below.

Step 1 ====> Applicant need to visit the official Green Dot Online Banking site at www.greendot.com

Step 2 ====> On the page, locate and click on Open an Account at the top right corner of the screen

Step 3 ====> You will be redirected to another page, where you will be presented with the application form. Fill in the application form, follow the on-screen instruction to complete the process

How to Activate your Green Dot Card

You should pay attention to the most important part that is your Green Dot Credit Card Activation process. Like any other bank card, you will also receive your card inactively. The credit card could be activated in various ways.

Green Dot Card Online Activation Process

To protect you from any possible fraud just in case your card got stolen on transit. After you have received your card, it should not take you more than a couple of minutes to activate your Green Dot Credit Card. Here are the following steps on how to register your Green Dot Card:

Step 1 ====> You need to go to the homepage of Green Dot or click here

Step 2 ====> After that, this will take you to a page where you will ask to enter your 16 digits card number, your card expiration date, and the three-digit CVV code.

Step 3 ====> Then click on the Continue icon.

Step 3 ====> Finally, a new page will open up, and you will have to enter your name, address, and your date of birth.

Once all this procedure is complete, your Green Dot Credit Card is now active. However, you can make use of it only after you load cash into your card.

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GDCC Phone Activate Process

There is also an alternative way, where you can activate your Green Dot Credit Card through the phone. By simply dialing customer service at 1-866-795-7597. Once you get to connect to the line, follow the instruction to activate your card.

How to Deposit Cash to your Green Dot Card

First of all, you will have to load your card with cash before heading out to the store or making any purchases online. You can make your deposit in various ways:

====> You can sign up for direct deposits by visiting the nearest Green Dot Card center.

====> You can also deposit a check from your mobile app to your card.

====> You can transfer money directly from your Bank account to your Green Dot Credit Card.

====> You can deposit your tax refund to your Green Dot Credit Card

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About the Author: Gadgetsright

Adeola (Jasper) is someone who loves everything about technology. He devoted to everything that is tech-related and tries his best to produce useful and quality articles about mobiles, computers and other related products.

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