Category: Reloadable prepaid credit card/Reloadable prepaid debit card.
Most appropriate for:
* Direct deposit when a checking account is not available
* Substitute for a credit card
* Budgeting
The Western Union Prepaid MasterCard is offered by Western Union through BankFirst. Transactions are processed by FirstData. Western Union is a recent entrant into the prepaid space but is a large player in the money transfer business.
Features:
* Online Account Management
Loading Options
* Payroll Deposits - Free
* Cash Loads - Western Union
* Bank Wire - $6.96
* Checks - Not Accepted
* Money Orders - Not Accepted
Fees
* Monthly Fee: $4.95
* Signature POS: Free
* PIN POS: Free
* PIN POS Decline: Free
* ATM Withdrawal: $2.00
* ATM Decline: Free
* ATM Balance Inquiry: Free
* Overdraft: $25.00
* Customer Service, $2.00/call
Customer Service
Customer Service is not free.
Overall Comments
Few features, Slightly high fees and customer service is not free. Other cards are available with lower fees and more features. Since this card is offered by Western union, you can be less wary of this card than some others