• The Palm Desert National Bank Card of America Prepaid Mastercard is an easier, less expensive alternative to traditional payroll with paper checks, and employees don’t even need to have a bank account to have immediate access to their paychecks on pay day.

• It can be used anywhere that Mastercard debit cards are accepted, in stores or online, so employees get the benefit of having a credit card without having to worry about interest rates, finance charges or mounting debt.

• The Card of America Prepaid Mastercard can even be used to pay bills online and purchases can be tracked easily with online account management tools, which makes it easy for employees to keep track of their money. Plus they can never go over the limit because they can only spend what is on the card.

The Card of America Prepaid Mastercard, issued by Palm Desert National Bank is a unique new kind of debit card for employees who don’t have checking accounts or want a cost-effective alternative to access their paycheck. With the Palm Desert Card of America Prepaid Mastercard, your payroll check is direct deposited onto the card every month instead of being issued a paper check, which eliminates check cashing fees and gives you immediate access to your money. For no setup fees and no monthly maintenance fees, the Card of America card is a great choice for employers and employees alike, and it can be used anywhere Mastercard debit cards are accepted, as well as at any ATM machine for cash withdrawals.

Convenient, Easy and Safer than Cash

As long as you are a legal U.S. resident, it is simple for your employer to sign up for the Palm Desert National Bank Card of America Prepaid Mastercard and it can completely eliminate the cost and time every month spent cutting paper checks through a payroll company. This convenience is passed on to you, when your paycheck is in your Card of America account on the morning of payday and you can begin using it right away, in stores or online for purchases, or even to pay your bills online. There are no monthly charges and no fees for making purchases with a signature or online – you can even rent cars and make hotel reservations with your Card of America prepaid card, plus get cash back with PIN purchases. It’s safer than cash, because if your card is ever lost or stolen, simply call the number on the back of the card and you will never be responsible for fraudulent charges.

No Credit, No Problem

There are no credit or income requirements to qualify for a Palm Desert National Bank Card of America Prepaid Mastercard so, even if you have had credit problems in the past, have a history of bad check writing or don’t even have a bank account, you will still be approved. That makes this card a great money management option for people re-building their credit. You get all the benefits of a credit card without having to worry about debt, interest rates or finance charges, and you can never overdraw because you can’t spend more than what is on the card.

Online Account Management and Bill Pay

The Card of America Prepaid Mastercard comes free with great features such as online account management, where you can check your balance and transaction history, as well as pay bills. This makes it easy to keep track of purchases and the bills you have paid, without having to balance a checkbook. Plus, you save time and money normally spent writing checks, stamping envelopes and driving to the post office to pay your bills. It’s as easy as logging into your Card of America account online, and with a few clicks of the mouse, your bills are paid.

Direct Deposit at Its Best

For employers and employees alike, the Palm Desert National Bank Card of America Prepaid Mastercard is a smart choice as an alternative to paper checks. It saves money, time and allows anyone that’s a legal resident of the U.S. easy access to their money on payday – even without a bank account. With no setup fees or monthly maintenance fees, the Card of America Prepaid Mastercard is an even more attractive option for companies and employees looking to save money. And the extra features, including online account management and bill pay make it extra easy and convenient for employees to keep track of their money without ever going over the limit or bouncing a check. The convenience and cost-effectiveness of the Palm Desert National Bank Card of America Prepaid Mastercard makes it an excellent way to deliver direct deposit to 100% of employees, and they will appreciate the benefits and features it offers.