Do you need a reloadable debit card? After all, traditional banking is convenient when you have plenty of cushioning in your bank account. But since the average American carries $137,063 in debt, many of us are searching for new, creative ways to save money. A reloadable debit card could be the safest way to pay bills, balance funds, and make purchases. Here’s what you need to know.

Avoid Overdraft Fees

Between credit cards, bills, and checks, it can be hard to keep track of where your money is going. As a result, you don’t always have control over when things clear and you don’t always know how much money you have available at any given time. A small miscalculation could result in a $35 overdraft fee. That means a few misses in a month means you could owe $100 or more.

A reloadable card works the same way as a gift card, helping you manage your money without the risk of overdraft fees. With a reloadable card, your spending can’t exceed the available balance on your card. This means that you won’t dip into your savings or overdraw from your checking with a prepaid card, which helps you monitor and control your spending. When you’re ready to add more money to your card, you can deposit checks or load cash onto it either online or in person.

Increase Your Financial Security

If you’re worried about someone stealing your credit card information online, a reloadable debit card keeps you protected. Since this card does not draw money from your checking or savings account, you don’t have to worry about someone stealing your bank information or overdrawing on your account. A reloadable Visa card enables you to make purchases securely anywhere, anytime. In fact, this is one of the top reasons that travelers choose reloadable cards when going abroad. These cards help you enjoy the protection of traveler’s checks with the convenience of a card.

No Credit Check Required

Reloadable Visa cards give you all the benefits of a Visa card without the concern of credit checks, overdraft fees, or expiring funds. If you don’t qualify for a Visa credit card, a reloadable debit card is a smart choice.

Unlike a traditional debit or credit card, getting a reloadable card is easy. In fact, you can purchase one for just $7 at any DEXSTA branch. Your personalized card is mailed directly to you in 7 to 10 business days. Once you get your card, you can activate it immediately. When you’re ready to add funds to your card, you can visit any DEXSTA branch or load online with a DEXSTA debit card. It’s that simple.

Get Your Reloadable Debit Card at DEXSTA

DEXSTA offers reloadable Visa debit cards at every branch. These cards are accepted at over 30 million locations worldwide so that you can make a purchase anywhere Visa is accepted. Likewise, you can withdraw cash at any Visa, Plus, or Interlink network ATM for easy accessibility. To order your preloaded Visa debit card, please stop by your nearest DEXSTA branch today.