What do you do when you can’t get a bank account? No bank account. No problem. That’s right if you have bad credit or even no credit it is possible to get bank conveniences without a bank account.
Have you ever had a credit problem? Bounced too many checks? Or maybe just got so far behind on bills that you had to declare bankruptcy? Many banks won’t give you a bank account if this has happened. There are ways around not having a bank account though. If you can not get an account due to credit issues do not worry. You can still get a debit card. There are many stores that will give you a stored debit card even if you don’t have a bank account. Stores like Walgreen’s now carries prepaid debit cards with the logo Greendot on it. This is a great way to carry money or even makes a great holiday gift. Prepaid debit cards means you don’t need a bank account you simply pay the money for it and it’s put into the system on your card. You can use it whenever you are shopping. Don’t worry they won’t check your credit. It doesn’t matter because you are paying them right there when you get the card. Credit cards may be great to have but having a prepaid debit card means no extra bills in the mail. Isn’t that what we all want?
Having a debit card, not only lets you buy things at stores but now you can go online and purchase items. Just remember to add money to your debit card. No you don’t need a bank account for this. Getting paid in cash or having money orders sent directly to you helps if you don’t have a bank account. Having your checks sent directly to a debit card will help you in having your money in one location. Debit cards have become international so if you were planning on going on a trip overseas this would be the card for you. No more carrying around a wad of cash in your pockets or worrying about a bank account. A debit card is also cheaper than cashing a check.
First Vineyard is another debit card company that allows you not to have a bank account. This card may be reloaded with more money with no charges. This card will not help you get good credit but it will help you when you need to make purchases. If you have a debit card you can have your paycheck go straight to it. No more bank accounts needed. There are many debit cards out there that don’t require a bank account. Go online and do a search for debit cards and a ton will pop up. Some debit cards will even give you rewards for getting someone else to sign up or using the card. Remember once your card is maxed out you can’t use it unless you add more money to it. This is perfect for those of us will spend until we drop. Get yourself a stored debit card today.