No Credit? No Problem! Davids offers several brands of Visa® and Debit Mastercard® products that allow you the convenience of paying with plastic in store, over the phone, or online.

Simply choose a brand, purchase the card, and verify your identity¹ from our wide variety of options. Then you'll load cash onto the card and use it anywhere Visa debit cards or Debit Mastercard are accepted – retail stores, restaurants, ATMs, online, phone purchases and more.

Some of these cards even offer an optional Savings Account², including the Netspend Prepaid Mastercard, to help you better manage your money.

There is no credit check¹ to get a card, plus there are no late fees or interest payments because these are not credit cards.

Stop by any Davids Check Cashing location throughout New York for your prepaid debit card!

Card use subject to activation and ID verification.¹

If your balance is running low and you need to add money to your card, we have a solution for you.

And reload hundreds of prepaid debit cards on the Green Dot Network. With our direct systems, your money will post onto your card account.

Ready for something more than a prepaid card? We have you covered with the Netspend® Debit Account. You still have many of the great benefits of the Netspend Prepaid Mastercard including no credit check¹, no minimum balance required and get paid up to 2 days faster⁴ with Direct Deposit.

The Netspend Debit Account then goes beyond by offering optional Debit Card Overdraft Service⁵, plus up to 6.00% Annual Percentage Yield (APY) on an optional Savings Account⁶.

Add money to your Account at any Davids locations and over 130,000 retail locations³ nationwide.

Account opening is subject to registration and ID verification. Online access required to complete registration.¹

We offer a variety of brands and amounts. Come in today and stay connected to friends and family.

Have friends and family in other parts of the U.S. or the world? Stay connected for less. Davids Check Cashing offers a variety of prepaid pin-less long distance services for just pennies per minute. Call to Mexico, the Caribbean, Central America, Europe, Asia, anywhere in the world for less.

1 IMPORTANT INFORMATION FOR OPENING A CARD OR DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account.  WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

2 No minimum balance necessary to open an optional Savings Account. Because Savings Account funds are withdrawn through the Card Account, Card Account transaction fees could reduce the interest earned on the Savings Account. To participate in the Savings Account program, you must consent to and continue receiving communications from us in electronic form. If you are subject to Internal Revenue Service backup withholding at the time of your request to open the Savings Account, your request will be declined. The Netspend Savings Account is made available to Netspend Cardholders through Pathward, N.A., Member FDIC. Once your identity is verified and your account is registered, your funds on deposit in your savings accounts are FDIC insured up to $250,000 through Pathward, N.A. subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward, N.A., not the failure of Ouro Global, Inc. ("Ouro"). Ouro, a financial technology company, is not a bank and is not FDIC insured.

3 The Netspend Network is provided by Ouro Global, Inc. and its authorized agents. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global Inc.’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network.

4 Faster funding claim is based on a comparison of the Pathward, N.A., policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

5 The Debit Card Overdraft Service is an optional service made available to eligible Netspend Debit Account customers by Pathward, N.A. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Overdraft protection and the overdraft fee apply solely to (i) signature and PIN purchase transactions and (ii) ATM withdrawals. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Additional Overdraft Service Terms and Conditions apply, including initial and ongoing eligibility requirements for the service This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

6 The optional Savings Account linked to your Netspend Debit Account is made available to Accountholders through Pathward, N.A., Member FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
• If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of 02/24/25. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the Netspend Debit Account and transaction fees could reduce the interest earned on the savings account. Once your identity is verified and your account is registered, your funds on deposit in your Savings account are FDIC insured up to $250,000 through Pathward, N.A., subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at Pathward, N.A., Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of Pathward. N.A., not the failure of Ouro Global, Inc. ("Ouro"). Ouro, a financial technology company, is not a bank and is not FDIC insured.

The Netspend Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. The Netspend Visa Prepaid Card is issued by Pathward, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Netspend® Debit Account is a deposit account established by Pathward, N.A. Please see the back of your Card for its issuing bank. Ouro Global, Inc. is a registered agent of and service provider to Pathward, N.A. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Green Dot Reloadable Prepaid Visa Card is issued by Green Dot Bank pursuant to a license from Visa U.S.A. Inc. Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. All of these trade names are used by, and refer to, a single FDIC insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage.

The excella Visa Prepaid Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used wherever Visa debit cards are accepted. The Bancorp Bank; Member FDIC.