Atm re-loadable debit cards use

You can use your no name debit card anonimously for
 •Cash Deposit Card
•Debit card
•Instant loading Card
•Gift Card
•Cash Card
•Corporate Expense Card
•Prepaid debit Card
•Travel card
•Family card
•Money Transfer card
•Agent Payment card
•Payment card
•POS International Purchase
This prepaid card provides "stored value" in which you can store money in an account. You can access it with your card at any of the ATM machine.

Stored value cards are one of the most dynamic and fastest growing products in the financial industry. Anyone who makes purchases with a merchant gift card, places phone calls with a prepaid telephone card, or buys goods or services with a prepaid debit card is using a stored value card. Certain types of these cards are being heavily marketed to lower-income consumers, especially the unbanked or underbanked. Although these cards may provide consumers with a more effective means of accessing funds and making financial transactions than cash, consumers need to be aware that these cards come with a vast array of features, fee structures and levels of consumer protections. This article highlights many of the principal features of these financial innovations and identifies important aspects of these cards that consumers must be aware of in order to make informed decisions about the products that best meet their financial needs.
Stored value cards provide a way to make financial transactions. Stored value cards use magnetic stripe technology to store information about funds that have been prepaid to the card. Payroll cards, government benefit cards, prepaid debit cards, gift cards, and telephone cards are examples of stored value cards. There are two main categories of stored value cards in the marketplace. The first prepaid cards made available to the marketplace were single-purpose or ‘closed-loop’ cards. Gift cards, which can only be used to purchase goods at particular retailers, and prepaid telephone cards, which can only be used to make telephone calls, are examples of single-purpose cards. The second type of card to emerge was a multipurpose or ‘open-loop’ card, which can be used to make debit transactions at a wide variety of retail locations, as well as for other purposes, such as receiving direct deposits and withdrawing cash from ATMs. Some multipurpose cards are branded by Visa or MasterCard and can be used wherever those brands are accepted.
Consumers obtain stored value cards in a variety of ways. They may obtain a payroll card from an employer, an electronic benefit card from a government agency, or a gift card from a retail store. Typically, a consumer would apply for a general spending multipurpose card by telephone or online, although these cards may be increasingly offered at check-cashing outlets, money transfer company locations, and retail stores.

Reloadable multipurpose cards are often viewed as alternatives to checking accounts. Among stored value cards, reloadable multipurpose cards most closely resemble traditional deposit account debit cards in functionality and are thus most likely to meet the needs of the unbanked or underbanked. Consumers not only can use these cards to make payments to a wide variety of merchants and service providers but also can reload them with additional funds. The ways in which cards can be reloaded vary but may include direct deposit, money wire transfer, money order, or cash presentment at designated retail locations such as convenience stores.

Reloadable multipurpose cards are offered by a variety of firms and have an assortment of features. Some cards are both issued and distributed by banks, while others are issued by banks but distributed to customers by nonbank firms. Nonbank firms may also play roles in processing card transactions. Some cards are Visa- or MasterCard-branded, allowing them to be used wherever these bank association cards are accepted.
Cards may offer any or all of the following functions: direct deposits of payroll checks, withdrawals of cash at ATMs, payments for retail purchases, bill payments, and money transfers. Some cards require the cardholder to enter a PIN (personal identification number) at the point of sale, whereas others require the cardholder’s signature. Credit-building features, in which accounts in good standing are reported to one of the credit bureaus, are offered by a few card issuers, although the degree to which such features actually influence a customer’s credit score is still unclear. There is some preliminary discussion among industry representatives about the feasibility of adding overdraft protection or payday advance features; for example, cardholders would pay a fee to receive a loan advance from their next payroll deposit. Here, again, the net benefit to cardholders is unclear.

Consumers need to be aware of how these cards work and the fees they will incur. Given the wide range and complexity of card types and features, consumers must weigh the benefits of these features against the additional costs incurred. Below are some of the primary categories of fees and the ranges of fees that may be charged

 Cards that have relatively high fees in one category often tend to have relatively low fees in another category; for example, higher monthly fees are often associated with lower or no transaction fees.

This cards incurres fees as:

• Transaction limit fee
• Bill payment fee
• Phone or online transaction fee
• Reload fee
• Money transfer fee
• Out-of-network domestic ATM transaction fee
• International ATM transaction fee
• Inactivity fee
• Overdraft fee
• Overdraft protection fee
• Payday advance fee
• Credit-reporting fee
• Dispute fee