Credit Card Articles

PerkStreet Financial MasterCard Debit Card Review

August 1, 2012 by CreditCardsCo™

The PerkStreet Financial MasterCard debit card is unlike anything else you've encountered. You can apply by creating a checking account with PerkStreet Financial. You will be able to start taking advantage of benefits right away and it's an easy account to open.

Benefits of the Checking Account

The checking account with PerkStreet is packed with benefits. The account is very easy to apply for because it is done completely online. There is no credit check and no annual fee to contend with. As long you're at least 18 years of age, you will be able to open an account. It's a free account to use, allowing you to save a considerable amount of money on bank fees.

You get everything you need for a checking account. This includes paper checks, money transfers as well as an online account management tool. Online, you will be able to view transactions, see your balance and look up statements. You will also be able to set up bill pay to take care of all of your monthly bills. This saves you stamps and the hassle of writing checks.

Depositing & Spending Money

Depositing money into the account is made simple. If your employer offers direct deposit, you can sign up and have your paychecks go directly into the checking account. There are also online transfers that will allow you to transfer funds from another bank account into your PerkStreet account. Another way to load money into the account is to mail a check to the bank. Postage-paid envelopes are provided at no cost to you. Checks can also be overnighted for free at a UPS location near you.

Spending money is easy because you have a debit card that has a MasterCard logo. The debit card comes with a PIN number, allowing you to make transactions locally. You can ask for cash back with many merchants for some cash in your pocket. You can also visit over 40,000 ATMs without having to worry about ATM fees. MasterCard is one of the most widely accepted credit cards, allowing you to buy what you need when and where you want it. You can purchase online, over the phone and in person.

Other Benefits of the Debit Card

There are a lot of other perks features with the PerkStreet debit card. These include such things as:

  • Cash back
  • Customer service
  • Zero Liability
  • FDIC

Unlike other checking accounts, it's possible to earn cash back on all purchases made with the debit card. You will earn at least 1% on almost every purchase around the globe. You can earn more by shopping at certain merchants. Each month, there is a rotating category that makes it possible to earn more than the 1% as well. There is no limit to the amount of cash back that can be earned. The perks can be redeemed at tens of thousands of merchants or it can be redeemed directly into the checking account.

Customer service operates in a number of ways. Not having branches doesn't cause any problems with having questions on the account or any services explained. There is a call center that operates at all times of the day or night, 24/7. It will be possible to talk to a live representative and not an audio recording. For convenience, customer service is also available by email. Questions can also be posted on social media platforms Facebook and Twitter, where questions are answered very quickly.

The account is also protected with a Zero Liability policy. If the card is lost, stolen or compromised online, you won't be held responsible for any unauthorized transactions on the account. This makes it easy for you to spend without worrying about what might happen to the account.

The account is also backed by the FDIC. Your funds will be protected up to $250,000, ensuring your money is safe. Since the account is based solely online without having any local branches around, FDIC insured is a very critical thing to be on the lookout for.

Conclusion

Features are constantly in motion with this PerkStreet Financial debit card. You will not only earn cash back but have a number of ways to access your money and deposit money into the account. This will be the only card you need in your wallet and you can't get into debt with it.

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