• There is no credit check and approval is guaranteed regardless of your credit or employment situation.   As long as you fill out the proper identification information you will be approved.

• Many of the online services are free of charge, including bill payments and accessing your account transaction details.

• This is a great all in one card if you are looking to have the convenience of a debit card along with the benefits a credit card can provide. 

The Palm Desert National Bank Pr1macard Prepaid MasterCard, issued by Palm Desert National Bank is a prepaid debit card which can carry a credit line of up to $5000.00.  Since it is a prepaid card there is a guaranteed approval regardless of your credit or employment situation.  Even if you have had trouble in the past obtaining a banking account or credit card, as long as you complete the quick and simple federally required identity validation process you can get an account.  As a cardholder managing your finances couldn’t be easier, there are no interest payments, no hidden fees or late fees to worry about when you are a Pr1macard holder.  

As with most cards there is an application fee of $12.95 for this card and when opening an account you need to deposit an initial $20.00.   Once you have your account set up there is no minimum account balance required.  The great news is that there is no annual fee to worry about with this particular card however; there is a monthly fee of $6.95.  The monthly fee is actually in the low range compared to other prepaid debit cards.

You can use your card at ATM machines around the world provided they accept the prepaid debit MasterCard’s.  When using your Palm Desert National Bank Pr1imacard Prepaid MasterCard to make withdrawals at the ATM there is a service charge of $1.75 in addition to the charges the ATM owners charge for usage of their machine.  If you are using the ATM to make balance inquiries or if you try to withdraw funds from your account and it is declined then there will be a charge of $.40. If you are using your card at an international location (outside the United States) there will be an additional charge of 2% of the amount being withdrawn.

One excellent feature that is unique for this card is that you can withdraw money directly from the bank teller of your local Palm Desert National Bank.  You can withdraw through the teller for a charge of $3.50 provided there is one in your area.  A quick check on their website can direct you to the closest branch near you. 

The most frequently used way of spending money from your account would be through in store purchases.  If you are making purchases using the debit option there is a charge of $1.50 per transaction.  Any transaction that is declined is subject to a fee of $.35, if the decline is at an international location the fee would be $2.00 per transaction.  All signature transactions are free of charge domestically and internationally.  

Online purchases are made easy when you are a Palm Desert National Bank Pr1imacard Prepaid MasterCard cardholder.  Online purchases are generally treated as they would a normal credit card.  You simply enter your card details and you can enjoy the benefits and savings associated with online shopping.  Even renting a car or reserving a room is possible at some hotels and car rental places.  Some may require that you allow them to secure a given amount on your card so it is best to inquire on the hotel or rental agencies policies regarding prepaid debit cards.

You can pay bills such as your utility, rent and mobile phone without leaving the comfort of your own home; this excellent benefit is absolutely free to do, if done through the internet. In the instances that there is paperwork required to make the bill payment that will incur a processing fee of $2.95.   

You can load money to your account a great number of ways ranging from in store to having your funds directly deposited.  When making deposits in store there is a minimum deposit amount of $20.00 to a maximum of $500.00 per day.  
One of the most popular ways of depositing money into your account is through direct deposit.  You can have your payroll or government benefit checks sent directly to your card free of charge.  Even you tax returns can easily be directed into your account.  Card to card transfers are subject to a charge of $4.95 for the transactions.
When loading your card through a retail location you are not charged by the card company however, there is a service fee of $2.95 per transaction required by the vendor.  The fee can vary with some vendors so you should be kept aware of what their service fees are.  When money is loaded to your card from a retail store the money is processed and deposited immediately into your account so you can spend right away.  When searching for a location to load your card simply look for the Western Union or GreetDot logo found in all your favorite retailers such as Wal-Mart, CVS and Walgreens. 

Inquiries into your transaction history or to get your account balance can be done in a couple different ways.  You can make inquiries over the telephone through their automated system for a small charge of $1.50 per call.  If you need to talk to an agent live there is a charge of $1.00 per minute.  Telephone calls can be answered in your choice of English or Spanish.  If you access your account online there is no charge at all to view your account details.  Statements sent to you through the internet are completely free, if you wish to have your monthly statement sent directly to your home through the mail there is a charge of $10.00. Card replacements can be done by making a call to cardholder services.  The charge for replacing your card is $8.50.

This card is a convenient way of consolidating all of your financial business in one great package.  Without having to go through the hassles of transferring funds from one account to another in order to pay bills or shop online it can be done all at once.  Monitoring your spending via the internet makes managing your money even easier so you can avoid overspending.  The internet is an excellent option for those who like to keep on top of their accounts but do not want to pay additional service fees to do so.