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Best Direct Deposit Debit Card? 4 Things to Consider When You Apply For a Checking Account Online

Here are a couple of things to consider before opening an online checking account with a prepaid debit and direct deposit. When you apply online for a checking account, prepaid debit or credit card, you don't have a bank employee sitting across from you explaining every single detail. Hence, the point of this article.

Alright! Here we go....

- What kind of credit check will I have to pass to qualify?

Typically, when you apply online for checking account, they tend to be more lenient than most brick and mortar banks and credit unions. I would advise picking a Visa prepaid debit card that offer "No Credit Checks" or "100% approval". Many online direct deposit prepaid debit cards offer guaranteed approval and are not concerned with bad credit, or without even checking ChexSystems.

(If you don't know what Chex Systems is, try and keep it that way!)

- No Activation Fees.

When you apply online for checking account with direct deposit, make certain you there are no hidden activation fees or gimmicks. It will usually be listed somewhere on the header of the web page, saying "Visa Prepaid Debit Card, No Activation Fees", or something to that effect.

- Will I have "free" direct deposit?

This is pretty much the entire point of having a direct deposit debit card. No check cashing fees, no hassles; your money is deposited directly into your checking account at midnight, without delay. Just be sure during the prepaid debit card application you check the appropriate direct deposit option.

- Brand Name: Visa or MasterCard?

Obviously you'll have to make certain when opening online checking account that your debit or cash card will have the Visa or MasterCard logo on the card itself. That way you'll be able to use it pretty much anywhere. I prefer Visa's prepaid cards myself.

Just a couple of points to consider when opening online checking account or selecting direct deposit debit card. As you can see, when you apply online for a checking account, be sure to take advantage of all of the options that come along with having online checking account in the first place.

I've online checking account for years, never been disappointed!

Ron Butterfield is a Loss Mitigation Specialist and aspiring author. He lives in sunny Redondo Beach, California.

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