• Approval without credit checks or employment requirements: With the financial crisis still looming large maintaining a pristine credit record is challenging for most people and this card comes as a breath of fresh air

• Low monthly maintenance fee of $6.95: While most cards will charge you ion the vicinity of $10 for monthly maintenance; this card can be owned at a monthly cost of just $6.95

• Can be used online as well as offline: The card can be used to shop over the internet or even the local grocery store which makes it extremely convenient.

The Palm Desert National Bank is a wholly owned subsidiary of Palm Desert Investments and is a nationally recognized chartered financial institution. Although the bank is fairly young , having opened its doors in 1981 with its first branch in Palm Desert California, the establishment has grown in leaps and bounds since then and has now jumped on the prepaid card bandwagon. The company is also known to support a variety of charitable initiatives including Shelter from storm and Discover Museum.

Like all other products in its class, the Palm Desert National Bank Pr1macard Elite Prepaid MasterCard is an extremely convenient way to pay your bills and to shop without carrying a lot of cash along or resorting to the use of your credit card. However, the good news here is that although you are using a prepaid card, it will still have a positive effect on your credit score. Here are some of the features of Palm Desert National Bank Pr1macard Elite Prepaid MasterCard and why you should consider adding it to your wallet.

The Palm Desert National Bank Pr1macard Elite Prepaid MasterCard is a fantastic product designed to cater to the needs of people looking fro a convenient debit card option. Since you load the card, the company does not hassle with credit worthiness checks etc; this makes owning the card a very convenient and simple process. The card can also be owned by people who have a less than perfect credit score hence will not be considered for a traditional credit card with the Master Card Network. You can load funds on the card through your payroll which can then be used for future spending. Since , this is a debit card; although you may not earn interest on the amount of money loaded on the card, you certainly do not have to spend sleepless nights pondering over your mounting credit card bills and the ensuing interest payments.

Your only expenditure is the monthly card maintenance cost which currently stands at a measly $6.95; this is lower than most other prepaid debits cards. Also, there is no annual fee for owning this card. When using this card, you need to understand that it does not offer a balance transfer feature; this means that you will need to use up all the funds in one way or the other and will not be able to transfer the funds loaded on to the card back to your bank account. However, you can withdraw the cash through an ATM. The charge of ATM balance inquiries within the United States is 40 cents while international inquiries can cost more at $2. You will also be charged for withdrawals at the rate of $1.75 for removing cash within the United States and exactly double of this transaction fee at $3.50 for international ATM withdrawals.

You will also be able to check your balance through the internet by logging into your account with your password; you are not charged for online balance inquiries. The best part of using Palm Desert National Bank Pr1macard Elite Prepaid MasterCard is that you will not have to wait for your on paper statement to arrive at the end of each month, the company provides paperless statements which contain in depth information about the amount of money spent and the funds loaded on the card over a certain period of time. However, if you wish to keep a record of your spending and fund receipts, you can do so by ordering for a hard copy of your account statement.

If you elect to your payroll through direct deposit, no additional fees will be levied on you for this feature. You can also transfer your funds from one card to another by incurring a cost of $4.95 per transfer. The card is the most suitable way to shop because it not only supports offline but also online transactions. You can also use it to shop for goods or services and pay in a foreign currency. You will be charged 2% of the foreign currency transaction cost to make payments in currencies other than the US dollar.

If you misplace your card or if it is stolen, you can simply have the card replaced for a paltry amount of $2, so your funds are always safe and accessible. The only issue is the maximum loading value which stands at a very low $500. Although you may not be able to use the card for purchasing expensive products, it sure is convenient when you just need to go grocery shopping or want to allocate a certain amount of money for travel etc.

The online bill payment feature is another benefit of using the Palm Desert National Bank Pr1macard Elite Prepaid MasterCard; you are not charged for this feature and you can use various billing entities. However, where bills are paid in paper, you will incur a charge of $2.95. There are several retail locations which can be used for easy and convenient card loading at no extra cost.

The Palm Desert National Bank Pr1macard Elite Prepaid MasterCard is well suited for individuals who are keen on owning a Master card without the hassles associated with procuring a traditional credit or debit card. The card is issued by the Palm Desert National bank, a reputable and reliable financial establishment, so your funds are safe. The Master Card seal lets you go places with this card as it accepted at just about any store, restaurant etc. Approval is 100% guaranteed and there are no credit checks or employment requirements that need to be met to get this card. If you are interested in owning this card, you can get one with a minimum account opening balance of just $20. If you are a first time user of Palm Desert National Bank Pr1macard Elite Prepaid MasterCard, you will be charged a one time activation fee of $12.95 and that is all there is to getting you very own prepaid debit card.
Like all other financial products and services, ensure that you read the terms and conditions of the card before applying for one.