• The card issuer in this case has done everything seemingly possible to make the card as affordable as possible for anyone. The fees schedule seems so empty when being compared with other financial organizations and this has to be a massive bonus for anybody considering a prepaid debit card. If more banks followed the same example here instead of charging the customer for every little thing they do, the market would be far more competitive. As it stands now, companies like Palm Desert National Bank, and nFinanSe, stand out on a limb.

• With the Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card, you receive an initial bonus deposit of five dollars, which is a new thing in the banking sector. As well as this bonus there is another valued at more than seven dollars if you organize to have funds deposited by direct deposit. Being that the direct deposit of funds is a free service, it makes it a great option to receive the extra bonus from the bank.

• Again we see the standard Visa zero fraud liability protection. Of course this means that you are completely protected from anyone using your card without your authority, who then spends money on goods that you have no idea about. Combined with the standard flexibility of a Visa card and the fact it can be used anywhere, makes this one of the best cards we have assessed in recent times.

The Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card is a Visa card so the first thing you will be pleased to know is that it will be accepted at any location worldwide, where Visa is accepted as a form of payment. Of course we now all know of the flexibility that Visa allows us, and this card is no different. In fact some would say this card is more than just any Visa card, so lets have a look at why that may be the case.

Taking a look at the organization itself, we note that the Palm Desert National Bank now has three branches open for business. It first opened in 1981 with its headquarters in Palm Desert California, and since the nit has grown to see a new branch opened in 2001 in La Quinta and yet another in Palm Springs was opened in 2007. This is another financial institution that has its sights set high, and it believes that the best way to achieve the status it so much enjoys, is to focus on the relationships between itself and its key people. These people are of course the customers first, followed very closely by the staff. In fact this group of employees enjoys the privilege of being partner stockholders, in a unique agreement with the employer, and we think that’s pretty cool.

A subsidiary of Palm Desert Investments, the Palm Desert National Bank issues the Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card via its affiliation with nFinanSe, Inc., a leading reloadable prepaid debit card provider in the United States. One of the things this organization is well known for is being a leader in the market when it comes to offering low fees on prepaid cards. In fact recently it was cited that the organization has stated that it believes the fees charged on prepaid debit cards have for too long been too high and very confusing. It has pledged to do something about this with future releases, and maybe this is the case with the Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card.

As well as the flexibility and freedom associated with the Visa prepaid card, there are specific benefits for cardholders who have applied for this card. As mentioned earlier, the initial deposit of five dollars is a great good will gesture from the organization, and I am sure this is appreciated by all who sign up. There is also almost immediate acceptance with no credit check taking place.

When you have been accepted and issued with a new card, you are free to use the card at any store around the world that accepts Visa as a form of payment. This makes the card almost as flexible as having a mobile bank account, without all the paperwork and red tape. Being that it is a debit card, the money you have access to is your own preloaded money, so there is not a risk of getting into debt with the card.

When you receive your new Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card, you will need to register it online by following the steps outlined in the accompanying literature. In fact you will need to register the card before you can add any more funds to your account. Registration is simple and it is all clearly outlined for you.

There are some safeguards attached to this card. The first of these is that you may only deposit five hundred dollars to the card initially when you purchase the card. Then once you have registered the card account by using the information provided above, you are entitled to add a maximum of nine hundred and fifty dollars every day, until you reach a maximum card total of five thousand dollars. For more specific information on these restrictions, please read the Terms Of Service associated with the Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card.

Lets have a brief look at the associated fees and charges. This is always something of interest, as it should be, to those considering the purchase of a prepaid debit card. Initially there is as described above a three dollar purchase cost for the card. There is a one dollar fee for taking money out of an ATM, and a fifty cent fee if you are checking your balance via an ATM.
Unlike some other prepaid debit cards, the Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card has no fees at all for point of sale signature, or PIN sales. This means that even if you use your PIN instead of signing for a credit transaction, there will no fee deducted for the transaction. If you reload your card at a retail outlet (non western union or moneygram) there is a fee of almost three dollars, however direct deposits from your employer or bank, are also free. Any automatic payments (ACH) that you establish using your prepaid account, are also free of any charge.

In contrast to the recurring account payments that are free, there is an almost forty-five cent fee for online bill payments. 24/7 customer service and agent access are free as is the ability to have account balances and transaction details emailed or sent by text to your phone. This can be scheduled to occur every time you use the card. Unlike some other institutions there is no charge for a replacement card if your original happens to be lost, unless you are requested an overnight delivery, which will incur a twenty dollar fee.

As you can see from the details this  Palm Desert National Bank nFinanSe Visa Reloadable Prepaid Debit Card is very light on fees, and it seems that the issuer has done everything possible to reduce or eliminate the fees from areas where there is a likelihood that you will need to utilize. This has got to be a positive step in the area of personal banking and finance.