โ
โ
โ
โ
โ
OnePay
Issued by One Finance Inc. ยท Visa Debit
$0Monthly fee
$0ATM at Walmart
FreeCash reload
InstantVirtual card
โ No monthly fee โ ever
โ Instant virtual Visa card
โ Early direct deposit (up to 2 days)
โ Cash back at Walmart
โ Free ATM at Walmart Money Centers
โ Mobile check deposit
โ Overdraft protection
โ No credit check
โ FDIC insured
โ Apple Pay / Google Pay
How to get OnePay
Search "OnePay" in the App Store or Google Play. Look for the app by One Finance Inc. Create an account directly in the app โ BNPLPick has no connection to the sign-up process. You will need your name, address, date of birth, and SSN last 4 digits to verify your identity as required by federal law.
โ Best for: Anyone who wants the lowest possible fees. The $0 monthly fee is permanent โ no minimum deposit or direct deposit required to waive it.
โ
โ
โ
โ
โ
Green Dot
Issued by Green Dot Bank ยท Visa or Mastercard Debit
$7.95Monthly fee
$0w/ direct deposit
3%Online cash back
$3.00ATM fee
โ Fee waived with qualifying DD
โ 3% cash back on online purchases
โ Early direct deposit
โ Mobile check deposit
โ FDIC insured
โ No credit check
โ Available at major retailers
โ No virtual card
โ No free ATM network
โ No overdraft protection
How to get Green Dot
Purchase a starter kit at Walmart, CVS, Walgreens, or Dollar General, or apply at greendot.com. After getting your card, register it online or in the Green Dot app. Registration requires name, address, date of birth, and SSN last 4 digits. BNPLPick has no connection to this process.
โ Best for: People who shop online frequently (3% cash back) and receive direct deposit (fee waived). Available at more retail locations than most prepaid cards.
โ
โ
โ
โ
โ
Walmart MoneyCard
Issued by Green Dot Bank ยท Visa or Mastercard Debit
$5.94Monthly fee
$0w/ direct deposit
3%Walmart.com
$0ATM at Walmart
โ 3% cash back at Walmart.com
โ 2% at Walmart fuel stations
โ 1% at Walmart stores
โ Fee waived with qualifying DD
โ Free ATM at Walmart Money Centers
โ Free cash reload at Walmart
โ Early direct deposit
โ Mobile check deposit
โ Overdraft protection (up to $200)
โ FDIC insured
How to get Walmart MoneyCard
Purchase a starter card kit in-store at Walmart (near the register or at customer service), or apply at walmartmoneycard.com. Register the card at walmartmoneycard.com or in the MoneyCard app using your name, address, date of birth, and SSN last 4 digits. BNPLPick has no connection to this process.
โ Best for: Regular Walmart shoppers who shop online at Walmart.com. The 3% online cash back + free in-store reloads make it the top Walmart-specific card.
Full feature comparison
| Feature | OnePay | Green Dot | Walmart MoneyCard |
|---|---|---|---|
| Monthly fee | $0 always | $7.95 | $5.94 |
| Fee waivable | โ Always free | โ With DD | โ With DD |
| Cash back | โ At Walmart | โ 3% online | โ Up to 3% |
| Virtual card | โ Instant | โ | โ |
| Early direct deposit | โ Up to 2 days | โ | โ |
| ATM fee (in-network) | $0 at Walmart | $3.00 | $0 at Walmart |
| Cash reload (Walmart) | $0 | Up to $5.95 | $0 |
| Mobile check deposit | โ | โ | โ |
| Overdraft protection | โ | โ | โ Up to $200 |
| No credit check | โ | โ | โ |
| FDIC insured | โ | โ | โ |
| Apple Pay / Google Pay | โ | โ | โ |
| Foreign transaction fee | Varies | 3% | 3% |