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Commiserating users are proposing that RushCard compensate them for their trouble. The anger and frustration has given way to desperation. The RushCard problems don't appear to have been solved yet, and some customers have reportedly gone more than week without access to their money. Ally does charge a $25 overdraft fee, but you can avoid that by opting into overdraft protection–which will automatically transfer savings account funds to cover withdrawals that exceed the checking balance. But the fact is there are better and cheaper alternatives to both pre-paid debit cards and check-cashing outlets, even for people who don't have enough money to maintain a sizable minimum balance.Ĭhecking accounts at online-only Ally Bank, for instance, have no minimum deposit, no monthly fees, and no ATM fees pay decent interest on checking and will reimburse $10 of other banks' ATM fees. In the past, Simmons has argued that RushCard provides a valuable service to the underbanked by offering a better alternative to check-cashing businesses, which tend to take an even larger cut.
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