Prepaid Debit Cards FAQ

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Prepaid Debit Cards FAQ

	Do I pay interest?
	There is no interest associated with the use of our Prepaid Debit Cards. In fact Our Prepaid Debit Cards offer a savings account that will pay you 5% interest. You simply load the money on your card that you would like to use.
	What are the fees?
	The fees are simple and straight forward. You can choose a “pay as you go” option, which is $1 for a credit transaction and $2 for a Debit transaction, or you can choose a monthly fee of $9.95 and use the card as much as you like with no charges for transactions. (ATM and other fees do apply)
	Do I have to have a minimum balance on the card?
	There is no minimum balance required for the card or for the savings account.
	Do I have to go into a Check City store to load money onto the card?
	No, you can load it at any location that has the Netspend Logo; there are over 90,000 locations nationwide.
	What if my card is lost or stolen?
	Simply contact Netspend customer service at 1-866-609-2020, they will cancel the lost or stolen card and rush you out a new card.

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, Alaska, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Washington, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

This is an invitation to send a loan application, not an offer to make a short term loan.

This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.