this post was submitted on 29 May 2024
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Thought they charged something to put $ on temp card, via EFT though I may well be wrong.
Don’t recall the org name I conflated w them anymore u fortunately.
And from where I sit, yeah they pay me to some degree - the acct costs me nothing, and it’s got a handful of the usual “edge case” insurance benefits and such most debit cards don’t.
Not real useful to me, admittedly, but I do receive something.
That, and they reliably post direct deposit exactly 48h early, plus or minus fifteen minutes. Ability to plan my life around when exactly my check will show up has value. Seems to be very much a “best effort” basis to post early w/ most banks.
Lots of that stuff is useful because of my individual habits and patterns of spending I’m sure, might well not be for you.
Will check out privacy, now I’m kind of curious if there is something even more friction free for my scenario.
It's basically a credit card through an online bank that draws from a debit account.
For me, as a later of protection, I made a free capital one account (any will do, cap one was mostly random and i don't particularly endorse or hate them) and then the pdotcom "credit" draws from that. Their early implementation was using a prepaid debit card but they switched to credit like 2 years back and it's been good ever since. Even with other solutions I can't recommend enough taking a look.