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open debit card online immediately
waiter and restaurant manager working
check cashing store
Mexico City village
unbanked worker with a prepaid debit card
Couple paying overdraft fees
student banking
Why Students Should Use a Mobile Bank Account

Young people prefer to do everything with their phones. That includes using a bank account. They tend to move around a lot as well, so a local network of bank branches holds less appeal. They might live in several places during one year. They will be better off with an account that goes to those places with them. A mobile bank account is the right choice.

Adam Rust
College student banking with her smartphone
woman upset with overdraft fee
How To Use a Debit Card
Pay with a Signature at the Point-of-Sale

Your prepaid debit card says it charges a fee if you pay with a PIN at the point-of-sale. You can elect to avoid that by asking to sign for your swipe.

Adam Rust
Paying at the Point-of-Sale with Signature
man receiving bad phone customer service
Factory worker sad
budget gardening with seeds
The Poor Pay More to Bank

High balance minimums and the fear of overdraft charges convince low-income workers to avoid bank accounts.

Adam Rust
worker paying bank fees
comparing prepaid debit card
Mexican worker
Tax Fraud
refund anticipation loans
Why Are Millions of Filers Paying for a Refund Transfer?

Why would so many people pay for a refund transfer instead of taking out a refund loan, when the latter is free and faster. The answer: millions are being turned down for the "free" tax refund loans.

Adam Rust
Tax Refund Advance problem.
tax preparer refund loan
co-branded prepaid debit cards
Cash In, Cash Out

Did you ever think about how it can cost money to make a deposit even though it can be free to withdraw it?

Adam Rust
ATM costs
construction workers payroll
Personal Finance
Every Day is Payday

Wage advance products may undermine the demand for payday loans.

Adam Rust
uber driver advance
Checking account interchange
h2a farmworker payroll
budget groceries shopper
African-American woman budget shopper
frugal grocery shopping
prepaid cell phone plan
young person banking
check cashing
‍Illinois Governor Approves Increase in Check Cashing Fees

By approving hikes to the cost of cashing checks at currency exchanges, Illinois Governor Bruce Rauner chose to fulfill the wishes of the state's check cashing industry, in spite of pleas for moderation from local consumer advocacy groups.

Adam Rust
Illinois Currency exchanges
How To Use a Debit Card
Mobile Payments: Safer and Smarter

Everyone should adopt mobile payments. These apps do a better job of protecting your account information. Besides, they are a lot of fun to use.

Adam Rust
mobile payment app at the point-of-sale
Personal Finance
Ex-Offenders Need to Have a Bank Account

With a bank account, ex-offenders will have a much easier time managing their money. They can receive their wages from their new job via direct deposit, send child support, and avoid problems associated with carrying too much cash.

Adam Rust
Leaving Prison Re-Entry
paying without a bank account
happy customers spending money
Puerto Rico destroyed road
automatic savings pennies
direct deposit
How to Set Up Direct Deposit

We can instruct you on how to set up direct deposit. We even have the direct deposit forms you will need to give to your employer.

Adam Rust
set up direct deposit
cutting expenses saving money financial literacy
Unbanked Because of Billions in Overdraft Fees
The Best Prepaid Debit Cards
Couple with payment card
Person making a phone call
Fancy whiteboard with math formulas
Dedicated Paybill key on typewriter keyboard
Hourglass in front of clocks
Person holding payment card and cellphone
Personal Finance
Prepaid Debit Cards with Checks

Some prepaid debit cards can write checks. But don't worry, they still won't let you overdraft your account.

Adam Rust
checkbook, pen and eyeglasses
Cars submerged by a flood
How To Use a Debit Card
Can I Use a Prepaid Card To Rent a Car?

Yes, No, or Maybe: Where can a person use a prepaid debit card to rent a car? Are there are any special conditions placed upon a driver for doing so? Is there a deposit, and if so, how much is it?

Adam Rust
Rental Car
Phone downloading an app
Phone taking a picture of money
bank account security
2 Ways to Avoid the Check Casher

Consumers cash about $60 billions in checks at check cashers every year. If they had a debit card, they could use direct deposit to receive their pay electronically or they could deposit the check for free with a smart phone.

Adam Rust
Check cashing roadsign
construction foreman
Personal Finance
Prepaid Debit Card or a Checking Account?

Prepaid debit cards tap the economies of scale offered by new payments technologies to bring a lower-cost, lower-risk solution. By creating an account without checks - and implicitly without anything remotely like credit, they make the banking system more accessible

Adam Rust
Mobile payments
Personal Finance
How to Find the Best Prepaid Debit Card

No single prepaid card is the best of all. Consumers should select a card only after they evaluate their particular needs. How will you deposit, spend, and access your funds? Everyone has different habits and accordingly, no one card is the best for everyone. Do your research!

Adam Rust
best prepaid card
identity theft