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3 ways to de-stress your holiday budget

3 ways to de-stress your holiday budget

Set yourself up for success and make the season bright

It’s that most wonderful time of year again when the holiday lists get longer and longer. Between preparing for your favorite meals with loved ones and shopping for the season’s hottest gifts, there’s lots to do and lots to budget for. Saving money and time are hard to keep at the top of your list, but we’re here to help.

Here are three ways the Walmart MoneyCard can help maximize your holiday savings and minimize spending:

  1. Create a holiday savings account in minutes. There’s no need to go to the bank. You can access your money right in the Walmart MoneyCard app and spend it with ease anywhere Visa® or MasterCard® are accepted. And it doesn’t matter whether you’ve been naughty or nice this year, a Walmart MoneyCard account always earns you 2% APY on savings.1
  2. Get paid early. The holiday whirlwind might make it easier to lose track of the days, but now you’ll never lose sight of payday. With early direct deposit, your pay is deposited directly to your Walmart MoneyCard, and you’ll enjoy early access to your money— up to two days early for payroll, and up to four days early for government benefits.2
  3. Earn cash back at Walmart and Walmart.com. Why not earn cash back while you’re already shopping for everything you need? It pays to use your Walmart MoneyCard at Walmart, literally — you earn 3% cash back when you use it at Walmart.com, 2% at Walmart fuel stations, and 1% cash back when you use it in-store at Walmart.3

Take the stress out of your holiday season by opening a new Walmart MoneyCard account today and download the free Walmart MoneyCard mobile app to help manage your money on the go. Then get back to what really matters — enjoying the season with those who mean the most to you.

Must be 18 or older to purchase a Walmart MoneyCard. Activation requires online access and identity verification (including SSN) to open an account. Mobile or email verification and mobile app are required to access all features.

The Walmart MoneyCard Mastercard Card is issued by Green Dot Bank, Member FDIC, pursuant to a license by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Walmart MoneyCard Visa Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation.

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Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purpose of cash back rewards, a "reward year" is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See Deposit Account Agreement for details.

Opt-in required. Account must have initial eligible direct deposits, must be in good standing and have an activated chip-enabled debit card to opt-in. Ongoing eligible direct deposits and other criteria apply to maintain eligibility for overdraft protection. Only debit card purchase transactions are eligible for overdraft protection and overdrafts are paid at our discretion. We reserve the right to not pay overdrafts. For example, we may not pay overdrafts if the account is not in good standing, or is not receiving ongoing eligible direct deposits, or has too many overdrafts. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on Demand Deposit Accounts that meet eligibility requirements. Log into and refer to your Account Agreement to check feature availability.

Monthly fee waived when you direct deposit $500+ in the previous monthly period. Otherwise, $5.94 a month.

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Walmart MoneyCard account to prevent fraud restrictions on the account.

Limits apply. Your funds typically become available on your account within 10 minutes for your use.

Carrier message & data rates may apply.

Monthly fees will continue on locked cards. Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Interest paid annually on each enrollment anniversary based on the average daily balance across all savings of the prior 365 days, up to a maximum average daily balance of $1,000 across all savings, if the primary account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of January 2026. Fees on your primary account may reduce earnings on your savings account. See Deposit Account Agreement for terms and conditions.

$3.74 service fee and limits apply. All rights reserved. Green Dot NMLS #914924/#908739.

Transfer money from another U.S. bank to your Walmart MoneyCard. Activated, personalized card required. Limits apply. Subject to your bank's restrictions and fees. Transfers take three (3) business days after account verification. See Deposit Account Agreement for details at WalmartMoneyCard.com

Fees and limits apply to debit card transfers. See Deposit Account Agreement.

Activated, chip-enabled debit card required to use Ingo Money check cashing service. The check cashing service is provided by Ingo Money, Inc. and the sponsor bank, identified in the terms and conditions for the service and subject to Ingo Money Inc. Terms and Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo Money check cashing service is not available within the state of New York.

Check cashing fees and limits apply. These services are not available in all states or stores. Reloads can’t exceed limits. Your receipt is proof of reload. All rights reserved. Green Dot Corporation NMLS #914924; Green Dot Bank NMLS #908739.

Activated, personalized debit card required to refer friends to Walmart MoneyCard. In order for both the referred individual and the referring Walmart MoneyCard primary accountholder to each qualify for and receive the $50 referral reward, the following conditions must be met: The referred individual may not have been a Walmart MoneyCard customer in the 90 days prior to opening their new Account; they must open a new Account between August 1, 2023 and March 2, 2027: the must open the new account using the referring Walmart MoneyCard accountholder’s unique referral (share) link directly or as shared through email or social post; and they must receive in the new Account a qualifying direct deposit of $200 or more within 45 days of account opening. The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, government benefits, or unemployment benefits payor by Automated Clearing House (ACH) deposit. Bank ACH transfers, debit card transfers, verification or trial deposits from financial institutions, tax refund deposits, mobile check cashing, and cash deposits are not qualifying deposit activities. Referring Walmart MoneyCard accountholder and referred individual Walmart MoneyCard accounts must be in good standing to be eligible for and receive a reward. The reward is paid to each party within 48 hours after qualifying funds are deposited into the referred individual’s new Account. New and referring Walmart MoneyCard accountholders may earn no more than $750 in referral rewards per calendar year (January 1 - December 31). Referred individual acknowledges that payment of the reward will result in the referring Walmart MoneyCard accountholder’s knowledge of the individual’s new Account. Walmart MoneyCard reserved the right to cancel or modify the terms of the referral offer or terminate the member’s eligibility at any time with or without prior notice. Promotional credits are reported on form 1099 to the IRS.

Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your Walmart MoneyCard account to prevent fraud restrictions on the account.

Funds are protected from unauthorized transactions on successfully activated cards. Prompt notice is required.

1 Interest is paid annually on each enrollment anniversary based on the average daily balance of the prior 365 days, up to a maximum average daily balance of $1,000, if the account is in good standing and has a positive balance. 2.00% Annual Percentage Yield may change at any time before or after account is opened. Annual Percentage Yield is accurate as of September 2024. Fees on your primary account may reduce earnings on your savings account.

2 Early availability of direct deposit depends on timing of payor's payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period. Make sure the name and social security number on file with your employer or benefits provider matches what's on your Walmart MoneyCard account exactly. We will not be able to deposit your payment if we are unable to match recipients.

3 Cash back, up to $75 per year, is credited to card balance at end of reward year and is subject to successful activation and other eligibility requirements. Redeem rewards using our website or app. You will earn cash back of three percent (3%) on qualifying purchases made at Walmart.com and in the Walmart app using your card or your card number, two percent (2%) at Walmart fuel stations, and one percent (1%) on qualifying purchases at Walmart stores in the United States (less returns and credits) posted to your Card during each reward year. Grocery delivery and pickup purchases made on Walmart.com or the Walmart app earn 1%. For the purposes of cash back rewards, a "reward year" is twelve (12) monthly periods in which you have paid your monthly fee or had it waived. See Deposit Account Agreement for details.

Walmart MoneyCards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Green Dot is a registered trademark of Green Dot Corporation.

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google, Android and Google Play are trademarks of Google Inc., registered in the U.S. and other countries.

Walmart, the Walmart Spark Design, and Save Money. Live Better. are trademarks of Walmart, registered in the US Patent and Trademark Office and in other countries.

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