Debit cards have an inherent advantage over credit cards, especially for people who have a problem of controlling their buying instinct, as one can spend only as much as one has loaded on the card. It is believed that a debit card with rewards is an instrument to help people with poor credit score to improve the same. Many online agencies allow direct deposit, free usage of ATMs, cash back and other rewards, and importantly a savings account that earns interest.

Brink’s Incorporated is an online debit card company and has the facilities of no minimum balance, no credit check, and one can load money directly using their app Mobile Check Load. When you apply for a debit card, the process is online and simple. Key in necessary information like first and last names, street address, apartment no., zip code and email address. One can opt for direct deposit of paycheck, tax refund and government benefits. Other offerings are swift payments, direct access to card account using anytime alerts and online account center. There is money back reward even for everyday purchases. One can get an upgrade to Preferred Account and get $10 cushion for payments cushion and 5% Annual Percentage Yield Savings Account. The company is registered with FIDC a critical factor.

Naval Federal Credit Union (US) is a very old company which has grown to serve 7 million individuals who were or are members any of the Services and their families. Leaving military service is not a concern as one continues the membership. They have become a full-fledged financial company. Advantages with the debit card are wide acceptance world over, shop online, in-store, or over a phone, free nationwide access to thousands of ATMs, cash back at participating merchants using the individual’s PIN. A great feature is the security of Navy Federal’s Zero Liability policy and notification about unusual activity on the card and protection from card fraud. Direct transfers of money from checking account, facility to see the entire transaction history are other attractions. As discussed before, when you apply for a debit card, the process is online. One has access to help for locating ATM Schedule of fees, etc.

NetSpend Visa Prepaid Card is obtained online. One types in the usual input information like name, address email address, zip code and tick the required facilities like paycheck, tax refund and Government benefits. Other features are no credit check, no minimum balance, and free activation. Direct Deposit is so fast the payment comes through 2 days more quickly than many others. Everyday purchases give cash back, and an app allows the checking of card balance and transaction history. Mobile Check Load facilitates direct cash depositing. Checks can be posted by sending photos of the check. Sign up for text alerts to be informed of transactions. One can personalize the card with any photo one wishes. The company is covered by FDIC which is a significant advantage.

When you apply for a debit card with the U.S. Bank, one needs to go online – even all those who have a checking account with the bank. One can go to any branch and ask for a card. It can be used for everyday transactions and skip going to ATMs for cash. It has worldwide acceptance in retail shops, ATMs, online or over the phone. Debit card withdrawals are affected directly from one’s checking account and can be easily tracked online or on mobile. One can even set email and text alert for essential transactions and low balances. One has the benefit of the built-in fraud protection and also no liability for frauds, lost or stolen card with zero liability.

TD Bank Personal Debit Card is given free to all those who open a checking account with the bank. The card has associated facilities for making any payment anywhere Visa is accepted. It has free access to thousands of TD ATMs. It can be used online or in-app, over the phone or with digital wallet and has no fee foreign transaction. One can add various digital wallets like Visa Checkout, PayPal or online retailers to the debit card. It is protected with the latest chip technology and has 24-hour fraud monitoring. It comes with zero liability protection, and the owner is not liable for any fraudulent charges made with one’s account information or with lost or stolen card.

The process of applying for a debit card is varied. Online card companies prefer online application while established brick and motor banks issue the debit card through the bank either through a branch or the banks online banking portal.