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Get $10 for free with your first direct deposit on a Prepaid Card from Western Union. On top of that activation is free. Note that the direct deposit must be set up within 60 days of receiving the card. It is reloadable via cash, direct deposit, or money transfer. This allows you to set limits on spending for kids while giving them funds for things they need, but without overdraft or late payment fees. It is secure and requires a PIN for use. It is protected by MasterCard's Zero Liability Policy as well.