How To Sign up For Rushcard [Step-by-Step Process]
Are you looking to sign up for a convenient debit card? If so, RushCard is an option for you.
Their prepaid debit card can be used online and in stores. Anywhere VISA is accepted, your prepaid debit card is too.
While RushCard claims to provide great service and faster payments for their customers, many reviews would disagree. Why? Read on to find out more. I will reference all the complaints and reviews I found.
So, how do you apply for a RushCard account? What information do you need to provide? And how much does a RushCard account actually cost?
I will answer those questions and more in the following article.
Quick Navigation Links:
- What Services Does A RushCard Account Provide?
- What Bank Is RushCard Associated With?
- What Are The Fees Involved?
- How Do I Qualify For A RushCard Account?
- How Long Does It Take To Be Approved?
- Does RushCard Do A Credit Check?
- RushCard Customer Service
- Is RushCards Customer Service Good?
What Services Does A RushCard Account Provide?
When you sign up for a RushCard account, you will have access to their prepaid debit card. Once this card is mailed to you, you can use it just like a debit or credit card.
You can make purchases online, at stores, pay bills, set up recurring payments, or collect your salary or payments through your RushCard account.
RushCard has two different plans you can choose when you sign up for an account. The plan you choose will affect the fees you pay for different transactions. (See the list of fees below.)
What Bank Is RushCard Associated With?
RushCard is not considered a traditional bank. Their parent company Unirush is a financial technology company.
To provide their security features and be accepted at businesses, Rushcard has partnered with other financial companies.
RushCard is partnered with MetaBank. MetaBank is a member of the FDIC which allows them FDIC protection and a license from VISA U.S.A. Inc.
What Are The Fees Involved?
The fees will depend on the plan you choose, the Rush Unlimited Plan or the Rush Pay As You Go Plan.
The Rush Unlimited Plan includes the following fees:
| Fees | Unlimited Plan |
| One-Time Card Fee | $3.95 – $9.95 |
| Monthly Fee (with direct deposit) | $5.95 |
| Monthly Fee (without direct deposit) | $7.95 |
| Card to Card Transfer Fee (to any other RushCard Member) | $0.99 |
| ATM Withdrawal Fee–Out of Network | $2.50 |
| Over the Counter Withdrawal Fee | $2.50 |
| ATM Balance Inquiry Fee | $0.50 |
| Replacement Card Fee | $5.00 |
| Expedited Card Fee (for a replacement card) | $30.00 |
| Currency Conversion Fee | 3% of transaction amount |
| Maintenance Fee | No Fee |
| ATM Decline Fee | No Fee |
| Call with Live Customer Service agent | No Fee |
| Toll Free Telephone Balance Inquiries | No Fee |
| ATM Withdrawal Fee–In Network | No Fee |
| Store Cash Back with PIN Purchase | No Fee |
| Card to Card Transfer Fee (to/from your own RushCards) | No Fee |
| One-Time Card Activation Fee | No Fee |
| Direct Deposit | No Fee |
| Toll Free Telephone Balance Inquiries | No Fee |
| Cash (third party money transfer service fees may apply) | No Fee |
| Transaction Fee | No Fee |
| Bill Pay Service Fee | No Fee |
| International Transaction Fee | No Fee |
The Rush Pay As You Go plan includes these fees:
| Fees | Pay as You Go Plan |
| One-Time Card Fee | $3.95 – $9.95 |
| Transaction Fee | $1.00 each time you make a purchase |
| Card to Card Transfer Fee (to any other RushCard Member) | $0.99 |
| ATM Withdrawal Fee–Out of Network | $2.50 |
| Store Cash Back with PIN Purchase | Included in the Transaction Fee |
| Over the Counter Withdrawal Fee | $2.50 |
| ATM Balance Inquiry Fee | $0.50 |
| Replacement Card Fee | $5.00 |
| Expedited Card Fee (for a replacement card) | $30.00 |
| Maintenance Fee | $1.95 except where prohibited by law |
| International Transaction Fee | $2.00 |
| Currency Conversion Fee | 3% of transaction amount |
| One-Time Card Activation Fee | No Fee |
| Monthly Fee (with direct deposit) | No Fee |
| Monthly Fee (without direct deposit) | No Fee |
| Bill Pay Service | No Fee |
| Card to Card Transfer (to/from your own RushCards) | No Fee |
| ATM Withdrawal –In Network | No Fee |
| Direct Deposit | No Fee |
| Call with Live Customer Service agent | No Fee |
| Toll Free Telephone Balance Inquiries | No Fee |
| Cash (third party money transfer service fees may apply) | No Fee |
| ATM Decline Fee | No Fee |
How Do I Qualify For A RushCard Account?
To qualify for a RushCard, you need to provide documentation that supports your residence, citizenship, and personal information.
Prepare to have the following:
- Be a U.S. citizen or permanent resident.
- Have a valid SSN.
- Be 13 years or older (must have parents’ consent if you are under 18)
- Provide your
- Date of birth
- Address
- Email Address
- Copy of your driver’s license (or another document that verifies your identity)
How Long Does It Take To Be Approved?
It should take around 5-7 business days for your RushCard application to be reviewed and approved. Once you are approved you will be notified and asked to choose a pin for your card. You will then need to wait for your prepaid debit card to be mailed to you.
*Make sure the address you submitted is the correct address that you currently reside at, your RushCard prepaid debit will be mailed to the address you submitted.
Does RushCard Do A Credit Check?
No, one of the perks with RushCard is that you do not need a credit score check to apply. Your credit will not be affected or verified when you apply for a RushCard.
RushCard Customer Service
RushCard customer service can be contacted over the phone, online, or by mail.
You can call (866) 787-4227, or you can visit https://www.rushcard.com/contact-us to contact RushCard online or get the information you will need to mail them.
You can also contact RushCard through email.
Is RushCards Customer Service Good?
RushCard is not known for their customer service. Unfortunately, many sites that rate businesses and collect reviews rate RushCard from ⅕ starts to 2.5/5 starts. By no means a great rating.
Take a look at some of the complaints and review customers left.
Consider the complaint left on the Better Business Bureau’s site.
Read the review on Unirush, RushCards parent company.
References:
- Is Rushacard a real bank? Take a look at the article below to learn more. Review of RushCard Prepaid Cards – An Excellent Choice for the Unbanked – The Dough Roller
- View the RushCard Website and browse the features they offer. RushCard
- Take a look at Rushcard review, click the link below. 15 Reviews of Rushcard.com | Sitejabber.
- Review the Better business Bureau’s review of RushCards parent company. Click the link below. Unirush Financial Services | Complaints | Better Business Bureau® Profile
- Take a look at the reviews for RushCards parent company UniRush. Click the link below. UniRush Reviews | Read Customer Service Reviews of rushcard.com