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Treecard review

This prepaid debit card lets you plant trees as you spend.’s rating: 3.6 / 5.0


Treecard is an environmentally-friendly prepaid debit card made out of sustainably sourced FSC cherry wood. The company plants one tree for every $60 spent. Plus, it donates 80% of its profits to reforesting the planet.

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$0 per month





Fee$0 per month

Review by

Cassidy Horton is a freelance copywriter and journalist, specializing in personal finance. Her writing and analysis has been featured in Forbes Advisor, Money, The Balance, Money Under 30, and other top digital publishers. She holds a BS in public relations and an MBA from Georgia Southern University.

Expert review

Treecard is best for individuals who to make their existing bank account a bit more eco-friendly.

The company partners with Ecosia, a nonprofit search engine that plants trees. For every $60 you spend with your wooden Treecard debit card, one tree will get planted. The company also earmarks 80% of its profits to fund reforestation projects managed by Ecosia.

But the perks don’t stop there. This account is 100% free to use and you can track your spending and environmental impact directly in the mobile app.

But it currently has a multi-step signup process, and it doesn’t support cash deposits or remote check deposits.

How do I open a Treecard account?

Follow these steps to get your Treecard:

  1. Visit the Treecard website.
  2. Click Get the Card to initiate the sign up process. Click Start.
  3. Enter your email address, phone number and first name.
  4. Type what country you live in and how you heard about Treecard.
  5. Answer a few questions about your potential card activity.

After you signup, you’ll receive an email invitation to order your Treecard within 24 to 48 hours.


Open a Treecard account when you meet these requirements:

  • At least 18 years old
  • Full-time US resident

Required information

Treecard will ask for this information when you sign up:
  • Full name
  • Date of birth
  • Residential address
  • Social Security number

What are the benefits of a Treecard account?

Treecard is FDIC insured and comes with a mobile app where you can freeze your debit card, set up spending notifications, split bills with friends and more. It offers these unique perks:
  • Wooden debit card. Each account comes with a Treecard debit card that’s made out of sustainably sourced FSC cherry wood. The plastic inside of the card is made from recycled bottles.
  • Every purchase reforests the planet. The company plants one tree for every $60 you spend with your Treecard. Plus, the company donates 80% of its profits to reforestation.
  • Zero fees. The company makes money from merchant interchange fees instead of consumer fees, which means it’s completely free for you to use.
  • Consumption tracking. Monitor your spending and track how many trees you’ve helped plant straight from the Treecard mobile app.
  • Dedicated customer service. Treecard account holders have 24/7 account support by email and phone.

What should I look out for?

Treecard is a breath of fresh air in the banking space, but there are still a few potential things to watch out for:
  • Requires additional signup steps. The initial card application only gets you an email invitation to sign up. You’ll need to follow the instructions to finish the signup process.
  • Must load funds. While your Treecard is linked to your bank account, you’ll need to manually add money to your account. You can also set up autoload deposits to trigger a transfer once your balance drops under a set amount or you can schedule recurring deposits.
  • Card replacement fee. The only fee that you’ll pay is for a new card if yours is lost, damaged or stolen.

If you’re looking for an eco-friendly account you can open today, check out these socially responsible banks.

Treecard‘s ATM network and fees

Treecard is a Mastercard debit card you can use to withdraw cash from your balance, but the company doesn’t have its own network of ATMs. While Treecard doesn’t charge a fee to withdraw cash, the ATM operator might.

Compare Treecard with other checking accounts

Use this table to see how Treecard compares to other socially responsible bank accounts:

Name Product Annual or monthly fee ATM withdrawal Features
Brinks Prepaid Mastercard
Brinks Prepaid Mastercard
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • Mobile app
  • Direct deposit
  • Payback rewards
No credit check. No minimum balance. No late fees because this is not a credit card.
Netspend Prepaid Mastercard, WWE partner
Netspend Prepaid Mastercard, WWE partner
$9.95 per month (or $5 with a $500+ direct deposit, or $0 with pay-as-you-go)
  • No activation fee
  • Payback rewards
  • No minimum balance required
No credit check, mobile check load, and now a WWE partner
Finder Rating: 4.6 / 5: ★★★★★
$48 per year or $4 per month
  • Low fee
  • Investing
  • Parent-paid interest
  • Donation options
The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
Netspend All-Access Account
Netspend All-Access Account
$5 per month
  • Earn cash back on everyday purchases
  • Earn up to 6% APY with an optional Savings Account
  • Receive your paycheck up to 2 days earlier with Direct Deposit
With Netspend All-Access Account there's no credit check and no minimum balance to open an account.
PayPal Prepaid Mastercard
PayPal Prepaid Mastercard
$4.95 per month
  • Manage money on the fly
  • Receive special offers and cash back rewards
  • Get your state and federal tax refund faster than a paper check
Use the no-cost direct deposit service and have access your funds up to two days faster than what traditional banks offer.

How do I deposit or withdraw my money?

Treecard doesn’t support cash deposits, wire transfers and remote check deposits. But you can access funds using these methods:


  • Direct deposit
  • ACH transfer from another account


  • Debit card purchases
  • ACH transfer to another account
  • Mobile wallets
  • Venmo

Frequently asked questions

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We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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