Looking for mobile check cash cashing for prepaid card loading? Stick around as I'll be showing you some best prepaid cards that offer mobile check deposits.
Prepaid cards are those bank cards that offer convenience when used for purchasing items both online and in-store.
Just as with any other bank card, prepaid cards need to be reloaded before they can be used for transactions. Back then, we usually went to our prepaid card issuer or financial institution whenever we wanted to reload our prepaid cards.
Nowadays, with technology constantly evolving, most prepaid card issuers have made it easier for their cardholders to add money to their prepaid cards.
One of the ways prepaid card issuers offer their customers to reload their cards is mobile deposit.
Mobile deposit lets cardholders use their mobile device (Android or iOS) to deposit checks onto their prepaid cards. All you'll need to do is take pictures of your check with your prepaid card app and enter some basic information that will be used to cash the check.
To take it short, mobile check cashing is just the process of cashing checks directly from your mobile device. This is only possible with the use of check-cashing apps.
This technology has been used by many prepaid card issuers to offer their customers the ability to load their prepaid cards with mobile check cashing.
However, not all prepaid card issuers offer mobile check cashing for prepaid card loading; even those who do it will certainly offer the feature at a fee.
The best mobile check cashing for prepaid card loading are those that let you load your prepaid card with mobile check deposit conveniently without incurring huge fees.
Now, you might be wondering what mobile check cashing for prepaid card loading is the best.
To help you out, we've compared most prepaid cards with mobile check deposits and have come out with the best of them in this article.
Table of Contents
Best Prepaid Card With Mobile Check Deposit
Here's a table of the best prepaid cards with mobile check deposits together with their mobile deposit fees and limits.
|Prepaid Card||Mobile Deposit Fees||Mobile Deposit Limit|
|Wells Fargo EasyPay Card||None||Varies by account|
|Walmart MoneyCard||None||$1,500 or 3 transactions|
|Netspend Prepaid Debit Card||Up to 5% or $5 minimum||$2,500/check; $5,000/day; $10,000/month|
|Starbucks Rewards Visa Prepaid Card||None||Varies by account; your card balance can't exceed $10,000|
|RushCard||Up to 4% or $5 or free for 10-day processing||$2,500/check; $5,000/day; $10,000/month|
|PayPal Prepaid Mastercard||Up to 5% or $5 minimum||$2,500/check; $5,000/day; $10,000/month|
|MyVanilla Mastercard and Visa||Up to 5% or $5 minimum||$5,000/day; $10,000/month|
|MOVO Virtual Prepaid Card||Up to 5% depending on check type||$5,000/day; $10,000/month|
|Kroger REWARDS Prepaid Visa||Up to 5% or $5 minimum||$5,000/day; $10,000/month|
|Green Dot Prepaid Visa Card||Up to 4% depending on check type||$5,000/day; $10,000/month|
|Brink's Money Prepaid Mastercard||Variable||Not specified|
|Bluebird by American Express||Up to 5% or $5 minimum||$5,000/day; $10,000/month|
|BB∓T Prepaid Debit Card||None||$2,500 per day; $5,000 per month|
|American Express Serve||Up to 5% or $5 minimum||$5,000/day; $10,000/month|
|Mango Prepaid Mastercard||No fee; but can go between 1% to 4% for same-day deposit||$5,000|
Also Read: Best Check Cashing Apps That Don't Use Ingo
Best Prepaid Cards With Mobile Check Cashing For Prepaid Card Loading
You can deposit a check to your prepaid card using an Android or iOS app with the help of the mobile deposit services provided by a number of prepaid card issuers.
To complete your deposit, you will take images of the check using the app and provide check details including the amount.
When you register your card, some card issuers require you to open a deposit account, while others allow you to connect to already-existing bank accounts.
The card issuers ensure that any deposits you make are FDIC-insured by linking a deposit account.
We have made our top pick depending on factors such as convenience, customer support, and most importantly mobile deposit fees.
That being said, here are the best prepaid cards with a mobile check deposit.
1. BB&T Prepaid Debit Card
BB&T Prepaid Debit Card is our top pick and is considered by many financial experts as the best prepaid card with mobile check cashing for prepaid card loading.
Cardholders can load money onto their BB&T prepaid debit card using mobile check cashing without incurring any fees.
However, you must have an active deposit account to deposit checks on mobile.
Users can make direct deposits of up to $2,500 per day and $5,000 per month.
Customer satisfaction is one of the important factors to consider when looking to gain more customers and increase trust among users. BB&T prepaid debit card offers excellent customer service.
The prepaid card offers both Android and iOS apps for mobile check deposits.
2. Wells Fargo EasyPay Card
The Wells Fargo EasyPay Card is a Visa-branded debit card and features second on our list, because its one of the fee-free prepaid cards that offer mobile check cashing for prepaid card loading. As a result, it can be used anywhere that accepts Visa debit cards to make purchases.
The EasyPay Card allows free direct deposits and bank account transfers as well as SMS and email alerts, just like the majority of other prepaid cards.
The mobile deposit amount varies for each account.
Though the card does not charge any fee for mobile deposits, you must have an active deposit account to deposit checks on your mobile.
3. Walmart MoneyCard
The Walmart MoneyCard is a prepaid debit card that requires no bank account or credit check and therefore avoids overdraft fees.
The Walmart MoneyCard is one of several prepaid debit card options that have been a top choice for people without bank accounts.
The Walmart MoneyCard also lets you do direct check deposits of up to $1,500 or three transactions per day.
You'll, however, need a Green Dot deposit account for mobile check deposits.
The card issuer offers both Android and iOS apps for mobile check deposits.
4. Starbucks Rewards Visa Prepaid Card
The Starbucks Rewards Visa Prepaid Card is a card launched and introduced by Chase and Starbucks years ago. The card is one of the best prepaid cards that offer mobile check cashing for prepaid card loading.
With the Starbucks Rewards Visa Prepaid Card, you get the convenience of a reloadable prepaid card together with Starbucks Rewards Stars for each transaction you make. You earn a star for every $10 charged to the card.
The Starbucks Rewards Visa Prepaid Card is one of the prepaid cards that offer mobile check deposits at no fees; the amount you deposit varies per account but can't exceed $10,000 and your funds are held in an FDIC-insured "sub-account".
5. Brinks Prepaid Mastercard
Brinks Prepaid Mastercard is, without a doubt, one of the best prepaid cards with mobile check deposits.
With this card, you can sign up for direct deposit to get payments up to two days earlier. Additionally, you can use the mobile banking app, which is accessible on both Apple and Android phones, to deposit a personal check or your paycheck.
The mobile check-loading service for this card is provided freely by First Century Bank and Ingo Money.
An uploaded mobile check is often approved in three to five minutes. It can take up to an hour in some situations.
If you register for direct deposit, the monthly cost for the Brinks Prepaid Mastercard will be lowered.
The mobile deposit feature could perhaps be useful if you happen to get more checks throughout the month.
Although there are many options available with this card, the final decision on how to deposit your money lies with you.
Also Read: Best Untraceable Money Transfer Apps
6. Green Dot Prepaid Visa Card
Green Dot Prepaid Visa Card is yet another prepaid card that offers mobile check cashing for prepaid card loading.
Depending on the type of check, the Green Dot Prepaid Visa Card may charge you fees of up to 4%. Direct deposits of up to $5,000 daily and $10,000 monthly are available.
Even with the low fees, it is one of the most affordable prepaid cards available right now.
The cards can be used to make purchases of products and services both offline and online. When necessary, you can also transfer funds using your bank account's routing number and account number.
Mobile check deposit fees range between 1% to 4%, depending on the check type; require the activation of a deposit account.
7. Bluebird by American Express
The Bluebird® American Express® Prepaid Debit Account is a prepaid card with mobile check cashing for prepaid card loading and can be used wherever American Express is accepted.
This card, like many others on the list of prepaid debit cards, has a few bank-like functions like online bill payment, the option to send money to friends, direct deposit, and mobile check deposit.
In addition, there are no fees charged for reloading your card at the Walmart Money Center.
Bluebird uses Ingo Money for mobile check deposits and offers the service through the mobile check capture feature within the Bluebird app, letting users cash their checks online.
The app is very user-friendly, and the "Money In" section can show you the different ways you can load money onto your card.
You can deposit checks of $5,000 a day or $10,000 a month.
The fees for mobile check cashing vary; a minimum $5 fee or up to 5%.
8. American Express Serve
The Serve® American Express® Prepaid Debit Account includes a variety of contemporary features to suit your preferences for money management.
This is not an American Express credit card; rather, it is a debit card with options for direct deposit and mobile check deposit, as well as no reload fees.
When you set up a regular direct deposit of at least $500 per month, the monthly card charge is waived. Using the mobile Check Capture feature in the Serve mobile app on your smartphone, you can deposit checks directly to your Serve account.
Although using the mobile app to deposit your check is free, you can pay a modest fee to get your money even faster and with little to no waiting time.
Money in Minutes is the name of this feature, and you’ll pay either a small percentage of the check amount or a flat-rate fee.
9. Kroger REWARDS Prepaid Visa
The Kroger REWARDS Prepaid Visa is a prepaid debit card that helps you earn rewards towards free groceries and fuel savings.
Kroger uses Ingo Money to offer mobile check deposits to its customers.
With the card, you can make direct deposits of up to $5,000 in the day and $10,000 in a month. The fee you pay can be as much as 5% of the transaction's value or $5, whichever is higher.
You earn more rewards when you buy groceries and fuel at gas stations with the card, which can help you save a lot of money.
10. MyVanilla Mastercard and Visa
The MyVanilla Reloadable Prepaid Card is a simple, secure, and convenient way to manage your money. The MyVanilla Prepaid Card can be used everywhere Visa and Mastercards are accepted.
You can receive direct deposits of up to $5,000 daily and $10,000 monthly with this card.
The fees increase by 5% or $5, whichever is higher. Additionally, you can download the MyVanilla App, which offers quick, safe, and simple access to your prepaid card.
Also Read: Best International Money Transfer Apps
11. Netspend Prepaid Debit Card
One of the first companies that may come to mind when you think about prepaid debit cards is Netspend.
It comes as no surprise, then, that the Netspend® Visa® Prepaid Card is one of the best prepaid cards with the best features for mobile check deposit.
With this Visa debit card, you can use the free app to take a picture of your personal or payroll check and upload it to your prepaid debit account.
Netspend uses Ingo Money for mobile check deposits and you must have an active Card Account for deposits.
You may check the balance on your Netspend card, view transaction history, and get alerts about your prepaid debit account with the help of the mobile app.
The mobile check fees range between $5 minimum or up to 5%.
When your mobile check deposit is complete, Netspend will let you know via the Netspend mobile app, and you should see an updated balance amount.
12. PayPal Prepaid Mastercard
One of the best prepaid debit cards with mobile check deposits is the PayPal Prepaid Mastercard.
Using the mobile app, you can quickly deposit checks if you happen to get any. This entails using the app to take a clear image of your check and upload it for review.
In a matter of minutes, the check would be approved and added to your account as a pending deposit.
You can receive direct deposits of $2,500 per check, $5,000 per day, and $10,000 per month with the card.
Fees for mobile check deposits can go up to 5% for immediate availability or freely for 10-day processing and will require a PayPal Cash Plus account for mobile deposits.
With the PayPal Prepaid Mastercard®, you may also add funds to your reloadable card or set up direct deposit at any of the 130,000+ Netspend cash Reload locations in the country.
The best part is that you can use this card without having a PayPal account.
13. The Mango Prepaid Mastercard
The Mango Prepaid Mastercard® can be used wherever a debit Mastercard is accepted.
Because this isn't a credit card, there are no unexpected fees or interest rates, and you don't have to worry about having your credit pulled when you apply.
Additionally, you can manage this reloadable card from your smartphone, which makes it the ideal choice for mobile check deposits.
You can check your balance, send money to loved ones, and upload checks to be deposited into your account using the Mango mobile-enabled cardholder portal.
With Mango's high-yield savings account, you'll have the option of saving some of the money you deposit.
14. RushCard Prepaid Visa Card
The RushCard is a prepaid card that offers convenience when used for online and in-store transactions. Additionally, you can use it to withdraw cash from automated teller machines (ATMs) and pay bills.
RushCard gives users more financial control by only letting them spend what they load onto their prepaid Visa RushCard.
RushCard can be used for regular purchases and deposits as well as long-term savings. Through the direct deposit service, cardholders who make eligible deposits can get their money up to two days earlier.
You can receive direct deposits of $2,500 per check, $5,000 per day, and $10,000 per month.
Direct deposit fees are $5 or up to 4% for immediate availability. However, mobile check deposits are usually fee-free for 10-day processing and you must have a Card Account for mobile deposits.
15. MOVO Virtual Prepaid Card
The MOVO Virtual Visa Prepaid Card is a twist on the everyday prepaid debit card. By offering a variety of deposit and spending options, it tries to connect more of your payment alternatives without the necessity of a conventional bank account.
Depending on the type of check, the costs for direct deposit can reach 5%. Up to $5,000 per day and $10,000 per month can be given to you. The card is accepted everywhere Mastercard is accepted and there is no activation cost.
What is a Mobile Check Deposit?
Mobile check deposit is a digital tool that lets you use your mobile device to deposit checks into your bank account or your prepaid card account. it tends to be a great card reload choice in case you're unable to deposit your check in person at a banking institution or go to a cash reload location.
You may easily upload a photo of the front and back of your check to your account using one of the many contemporary features that modern smartphones have to offer.
You'll need to endorse the check with your signature and confirm the amount, just like you would when depositing a check the old-fashioned way, except this time you do it all on your card's mobile app. Usually, within 24 to 48 hours, the money is then cleared and available in your account.
The majority of prepaid cards are not linked to a bank account. This does not imply that having a bank account and a prepaid debit card are equivalent.
However, the company might collaborate with a different bank to provide banking services like direct deposit and mobile check upload options.
However, mobile check deposit may be necessary for you to quickly deposit personal, government, payroll, and other sorts of checks if you don't have a checking account and simply have a prepaid card.
Can I Deposit a Third-Party Check On a Prepaid Card?
A third-party check is any check that has been endorsed to you to cash or deposit by the person to whom the check is written out to but is not made payable to you directly.
Working with third-party checks can be challenging since you might not be able to deposit them with your prepaid card provider.
You might have a better chance of getting your deposit recognized if it's a government check because the federal government backs these checks.
However, you can still find it challenging to deposit disapproved checks that don't bear your name.
Inquire with the prepaid card provider about its third-party check policies, including whom the checks must be made payable. Usually, both the endorser and you sign on the back of the cheque.
To prevent any problems, it's best to confirm that checks are written in your name and that the name on your prepaid debit card is exactly the same.
Do All Prepaid Cards Allow Mobile Check Deposits?
Mobile check deposits are now generally supported by prepaid cards, but not always. In this article, we've provided you with the best prepaid card options featuring this feature.
Despite this, comparing and contrasting the prepaid cards that support mobile check deposits and evaluating the other features available is still a good idea.
You can manage your account via a mobile app on prepaid cards with this capability. In addition to a check deposit, you ought to have a lot of options for adding money to your card.
Additionally, you should confirm that there are no additional costs for using the mobile app to deposit your check, including any charges from your cellphone provider.
You shouldn't worry because mobile check deposits are typically cost-free. Consider selecting one of the choices on this list if you anticipate using your prepaid card's mobile check deposit feature, just to be cautious.
What Fees Do Prepaid Cards Charge?
Prepaid cards are well known for being a convenient alternative to bank cards. You can get a prepaid card if you don't want to hold a bank account for some reason, but it's crucial to be aware of fees.
Numerous fees are usually associated with prepaid debit cards, including:
- monthly fee
- transaction fee
- overdraft fee
- ATM fee
- balance inquiry fee
- cash reload fee
- card replacement fee
- and more
When you use your card to make certain transactions at stores or online, the card issuer may occasionally levy a transaction fee.
Watch out for ATM costs because you can incur two charges: one from the ATM provider (for using the machine) and another from your prepaid card (for using an ATM that is not part of its ATM network).
Fortunately, you can avoid a lot of these charges.
For instance, you can purchase a card that doesn't charge an activation fee, like the NetSpend® Visa® Prepaid Card, although some cards do when you initially sign up.
If you use Western Union to load money onto your card, you can be assessed a fee.
However, if you register for direct deposit or use a mobile check cashing service to transfer funds to your account, you probably won't pay anything.
You can use your debit card to make purchases or ask for cash back when you're at the store to avoid paying fees for ATM withdrawals.
The possibility of being charged $5 to $10 a month only to use your prepaid debit card is another significant drawback.
By setting up a direct transfer of at least $500 per month, this cost is typically waived.
What Prepaid Cards Can I Load With A Check?
Here are some prepaid cards that you can load with a check:
NetSpend Visa® Prepaid Card: You can load a NetSpend card with a check at any participating retail location that accepts money orders. You can also load your NetSpend card online or through the mobile app.
- Reloadable Visa® Card from American Express: You can load a Reloadable Visa® Card from American Express with a check at any participating retail location that accepts money orders. You can also load your card online or through the mobile app.
- Bluebird® American Express® Prepaid Debit Account: You can load a Bluebird® American Express® Prepaid Debit Account with a check at any participating Walmart store. You can also load your card online or through the mobile app.
- Paypal Prepaid Mastercard®: You can load a Paypal Prepaid Mastercard® with a check at any participating retail location that accepts money orders. You can also load your card online or through the mobile app.
- Brink's Prepaid Mastercard®: You can load a Brink's Prepaid Mastercard® with a check at any participating Brink's location. You can also load your card online or through the mobile app.
When loading a prepaid card with a check, you will need to provide the check number, the amount you want to load, and your name and address. You may also need to pay a fee to load your card with a check.
It's important to note that not all prepaid cards allow you to load them with a check. Be sure to check with the card issuer before you try to load your card with a check.
Frequently Asked Questions
What prepaid card allows mobile check deposit?
There are several prepaid cards that allow mobile check deposit. Some of these include the NetSpend prepaid card, the Walmart MoneyCard, and the Green Dot card. All you have to do is download the mobile app, and you can load a check on your card in minutes by taking its picture and uploading it.
Can I deposit a cashiers check on a prepaid card?
Yes, you can. Simply take the check into the local branch. You will be asked to sign the check, provide identification and disclose the card account you wish the funds to be deposited into. At some banks, such as Chase Bank, you can even deposit your check onto your prepaid card using branch ATMs.
Can I deposit a check to a prepaid card at an ATM?
No, it is not possible to fund a prepaid debit card using a paper check deposited into an ATM. Prepaid debit cards are not linked to traditional banks and credit unions – or their ATM networks.
Can you deposit a paper check onto a prepaid debit card?
Yes. With the Ingo Money App, you can deposit a check onto your prepaid card for free if you choose to have the funds processed within 10 days.
How can I cash a check online instantly?
Use these instant check cashing apps to cash your checks online instantly.
Final Thoughts: Mobile Check Cashing For Prepaid Card Loading
Mobile check cashing is a feature offered by a variety of financial apps including banking mobile apps. Many prepaid card issuers offer mobile check cashing for their users to easily load money onto their prepaid account through mobile check deposit.
All you'll need to do is to picture the front and back of your check, enter the amount to cash, and provide some basic information required to cash the check.
When choosing the best prepaid card with mobile check deposit, do consider if they offer cross-platform apps (Android and iOS), great customer service, and most especially, if they offer competitive and relatively little fees.
We based our classification of the best prepaid cards with mobile check cashing for prepaid card loading on these factors to facilitate your work and let you choose the best option that will suit your needs.