• The card guarantees that no one will be turned down, 100% approval rate.  It only takes a simple identify verification in order to register your card.

• There is no security deposit required to obtain the card and there is no credit checks.  This is great for those not wanting to tie their credit into their account.

• This card has some of the very lowest fees associated with any card in its class.  With a low $2.95 monthly service fee.

If you have had problems in the past with getting approved for a credit card or checking account but you would really like the benefits of owning one or both of those accounts then the Palm Desert National Bank nFinanSe Discover Network Reloadable Prepaid may just be the solution you’ve been looking for.  The nFnanSe Discover card guarantees approval 100% of the time for anyone that applies, provided they fill out the mandatory government required identification information.  There is no minimum balance required for this card, no upfront security deposit and no activation fee, so there is no start up charge to you to enjoy the benefits of this card.  There is a monthly fee associated with the card of $2.95, which is quite low in comparison to other cards of its type.  For a personalized card there is only a slight charge of $1.95.  While cards can be purchased for $3.00 at retailers such as Wal-Mart, they can be received online for no charge.  

This card has both the benefits of having a discover card combined with the convenience of a checking account without all the extra hidden costs associated with either of those accounts, which seem to eat away at you’re traditional banking account balance.  Many online retailers and booking agencies will accept the Palm Desert National Bank nFinanSe Discover Network Reloadable Prepaid Card just as they would a normal credit card.  It can even be used at many places to reserve a room or book a car without having to place a cash deposit.   It is advised that you contact the establishment that you would like to stay or car agency you would like to rent form to ensure they do take your prepaid card since there are some that will not.

There are no hidden costs or charges that can be associated with traditional credit cards and banking accounts such as overdraft fees, point of sale transaction charges or interest charges.  Not only do you get unlimited point of sale transactions but also signature transactions are free when using your card at retailers.  There are also no additional fees to get cash-back on retail purchases.  You can then set up recurring bill payments to come directly out of your account if you desire.  The bill payments made from your card can be done so for a small charge of $.49 per transaction. 

When using our card at the ATM there is a charge of $.49 for balance inquiries or if you’re requested withdrawal amount is declined.  With any withdraws there will be a charge of $0.99.  You can use your card at participating ATMs worldwide.  There will also be a charge by the ATM company or bank for use of their machine which will vary depending on the company.  

Money is easy to add to your card and can be added in a number of ways and at over 80,000 loading stations all over the United States.  For those who would like to have their paychecks or government checks sent directly into their nFinanSe Discover account there is a deposit bonus given as a thank you of $7.77.  Even your tax returns can be sent into your account by simply filling out a form to have it deposited. The direct deposit is free of charge into your account.  Aside from having direct deposit of your payroll or government checks you can add money through retailers throughout the United States at participating Western Union and MoneyGram locations.  Deposit fees will vary depending on location. Loading your card at other retail locations will generally be a charge of $2.95.  A quick call to Palm Desert National Bank nFinanSe Discover Network Reloadable Prepaid Card customer service and they will direct you to the nearest deposit location. 

Money can also be transferred from your or a friend or relatives banking account unto your card. While there is no fee by your card your bank may change a service fee which will vary from bank to bank in order to offer this service.  You can load up to $500.00 on your first load, the first day you receive your card.  After your card has been registered you can add up to $950.00 per day to a maximum of $5000.00. 

You can get balance notifications to your mobile phone free of charge, notifications will also be sent if you request notifying you off purchases made onto your account.  Contacting customer service is always free 24/7 via the internet or by telephone.  In addition, if your card has been misplaced or stolen you can simply call the toll free number to report the incident.  Customer service is available in both English and Spanish languages.  Upon reporting it you will be issued a new card with a statement of your remaining balance so you have security in knowing your money is much safer than if carrying cash.  There is no charge to have the card shipped to you via USPS standard mail but there is also an option of having it delivered overnight for $19.95. All the funds on your card are insured by the FDIC.  The applicable terms and conditions can be found on the cards website. 

The Palm Desert National Bank nFinanSe Discover Network Reloadable Prepaid Card is a very versatile card that has some of the lowest service fees out of all card of its class.  This card can simplify your life by allowing you to not only to receive your payroll and government payments to your account but also enabling you to make bill payments from your account.   Almost all transactions can be done from the comfort of your home, on the telephone, or over the internet without the hassle of transferring money from account to account or having to fight crowds or traffic paying bills.  Shopping online or making bill payments online or over the telephone has never been so easy. This is a, without a doubt, a good card for people who want to simplify their financial lives while potentially saving money.