SearchExclusive.com

These are the best debit cards in the US

A debit card is an option for making payment instead of cash where the money directly gets debited immediately from the designated checking account of the user at the time of a transaction. By using some of the best debit cards, one can spend money that one would have. A debit card, therefore, becomes a good way of maintaining a disciplined financial status.

Presently, it is necessary to get the best debit cards for accompanying the cashless economy of the country. There are so many options available for a customer while getting a debit card, almost every bank and credit unions have the option applying for a free debit card when a customer signs up for a checking account. Based on the following conditions, a debit card can be considered as one of the best debit cards:

Debit cards with no hidden fee
No ATM withdraw fee
An abundance of the availability of ATMs of the debit card issuer bank
The checking account from where the money goes during transactions made by the debit card with no monthly maintenance and annual fees.
For the frequent travelers, a debit card can be considered as the best debit card with 0% foreigner transaction rate with no international ATM withdrawal fee.

Debit cards proceed transactions in two different ways—differed or signature-based and direct or pin based. Differed or signature-based debit card transactions require a signature of the user during the purchase and deduction of the money from the checking account; this process takes two to three days. Direct or pin-based debit card transactions require entering a PIN during a purchase and money goes immediately from the checking account. Although both debit transactions are secure, PIN debit transaction can be considered as more secure because the card is authenticated by the cardholder with a PIN, transactions cannot be done by others until the PIN number is known.

Finding the best debit cards is difficult since some hidden conditions can be known by a customer after using it. Following are few commonly used debit cards in the United States.

Bank of America Debit Card
Bank of America offers a very convenient and secure debit card; this is one of the best debit cards has total security protection with zero liability guarantee. The Chip technology embedded with the debit card, which makes it more secure. The card has free access to own ATMs (nearly 16000); this means that no charge will be levied, which is $2.50 in the US. Foreign debit card cost is 3% and foreign ATM withdrawal cost is $5 with an addition to 3% of the withdrawal amount.

Navy Federal Debit Card
One of the best debit cards provided by Navy Federal Credit Union, commonly used in the United States and accepted in many locations worldwide. The is one of the best debit cards has free access to the own ATMs and there are thousands of Navy Federal ATMs are available in the country, which makes the card easier for deposits and withdrawals. The zero-liability policy of the card protects the card from unauthorized purchases. The cost for the foreign debit card is 0.8% to 1% which depends on whether there is a currency conversion. Moreover, foreign ATM withdrawal cost $1 with an addition to 0.8% or 1% of the withdrawal amount.

Wells Fargo Visa Debit Card
These cards are used for making purchase and bill paying worldwide including through online and phone. Wells Fargo debit cards can be used in withdrawing, depositing cash, and transferring funds from the accounts linked to the debit card.

These cards are of three types—platinum debit card, Instant Issue debit card, and campus card. For the platinum debit card, customers with eligible Well Fargo Checking accounts can use this card worldwide. For the Instant Issue debit card, which has with a validity period of 30 days, a card can be issued instantly if someone just has opened an account or the card has been lost or stolen. Finally, a campus card, which basically is a campus identification card for getting access to campus facilities, works as a debit card as well.

Wells Fargo debit card has zero liability protection facility without extra cost. By using their free online money management tool customers can easily track their purchase and payments made by the debit card. The card has free access to Wells Fargo ATMs and per transaction charge in Non-Wells Fargo ATMs is $2.50. ATM withdrawal fee outside the country $5 for each transaction.

PayPal Business Debit MasterCard
This debit card is useful for managing a business account, as during transactions, the money goes from the PayPal account instead of a bank account. Hence, for using this debit card, PayPal balance is required. This card has a 1% monthly cash back offer which has been added to the PayPal account on the basis of eligible purchases. This card can be used in everywhere MasterCard is accepted. ATM withdrawal fee $1.50 for per transaction within the country or in a foreign country and this fee will be charged for balance inquiry also. Counter per signature withdrawal fee $3 for withdrawing cash.

Bank of Internet USA Visa Debit Card
This card is offered by the most reliable internet bank of the USA, the Bank of Internet. This card comes with built-in chip technology which provides the greater fraud protection. This is one of the best debit cards that has a reward facility of 1% cash back, which will automatically deposit into the related checking account while a signature-based transaction is made by Bank of Internet Visa debit card. The card can be used in any ATM nationwide, and the bank has an ATM fee reimbursement policy but does not include international ATM transactions.

Related Reading

Tips for Buying the Best Dog Food

Most of the dogs do not have a food fuss and may eat almost anything that you feed them. Dogs are not choosy at all when it comes to food and nutrition. Hence, it is important to make sure that the food that you are purchasing for your dog is healthy. The landscape of dog food has been developing by leaps and bounds in recent times. There is a wide variety of options to choose from in the online and offline market. Given the wide range of options that are available today, buying the best dog food might seem to be a confusing task indeed. All the commercial pet food that is available in the market today is regulated by the FDA. Therefore, most of the products do contain nutritious, healthy, and safe ingredients. But it does help to know certain basic factors you should look for while buying food for your dog. Prioritize on the nutritional guarantee The best dog food, which meets the dog’s needs adequately has a statement written on the label of the product, from the Association of American Feed Control Officials. Buy from some of the best dog food brands, such as Fromm Family Foods, Earthborn Holistic, Nature’s Variety Instinct, and The Honest Kitchen.

Different Types of Kitchen Cabinets Available for Your Home

The most important aspect when designing your kitchen is deciding on the type of cabinets. In addition to functionality, kitchen cabinets score on aesthetics as well. Once the layout is planned, you can go ahead with choosing the cabinets. If you’re remodeling your home or just the kitchen, what you need to consider are the types of cabinets that furnish your kitchen. Here are a few types of kitchen cabinets that you can choose from. Base cabinets These kitchen cabinets are mounted on the floor and they are placed after checking out the floor plan. A major part of your job in the kitchen is on these base cabinets, which hold and support the countertops. These base cabinets are combined to carve out kitchen islands. A number of base cabinets are fused/set against one another and installed on site. The base cabinets, in addition to supporting the countertops, serve as drawers to hold your cutlery and appliances. Wall cabinets Mounted on the walls, these cabinets can store everything, right from your cookware to cookbooks. In terms of design, they offer utmost flexibility. Wall cabinet kitchen is available in varying heights, multiple widths, and custom depth options. This customization helps you to fit in your stuff of varying shapes and sizes into the wall cabinets.

How to Pick the Right Dog Food for a Sensitive Stomach

In today’s world, where you are presented with over a dozen choices for every item you would purchase for your own kitchen, it is not surprising that you have an equal number of options for your dog’s food. However, choosing the perfect brand and formula for your dog out of a range of options in the market is not an easy job. Your pet depends on you and trusts you to make the right choice for them. Therefore, it is imperative that you do your research about the products available in the market, understand what your dog needs, know what might be your pet’s problems, and then make a sound decision. What is a sensitive stomach? Dogs are known to have voracious and large appetites. Keeping that in mind, it is normal to assume that they have strong stomachs. They can eat close to anything be it sweets, bakes, chewy gum, hard leather or even woolen socks for that matter! It always so happens that the strongest of them are prone to allergies and can develop a disorder which is medically translated as a sensitive stomach. This might be due to a sudden change in the food habits or even due an infection picked up from somewhere.

All You Need to Know about Cat Food

For cat owners, cat food is a hot topic. You need to think about it in different aspects. The best thing is to know which ingredients are good for cat food and which are harmful. If you are aware of this, you can get an idea about the quality of the cat food just by going through the label. It is always sensible to stick to one brand of cat food. However, you may also want to try and prepare cat food yourself. There are also various options for wet cat food as well. Cat’s love for fish is universal, so you can do without going for expensive cat food. Nevertheless, whether you buy it or prepare cat food at home, you need to ensure that the food contains enough nutrition and calories. You would need to have some idea about the ingredients that must be present in cat food and make a worthy selection for your cat. Basic ingredients present in good cat foods Cats need a variety of nutrients to stay healthy and active; they need various vitamins, minerals, fats, proteins, and oils. The following is a brief explanation of the basic ingredients that should be present in cat foods.