Cashing a check via a mobile device and then loading the fund into a prepaid card is not a myth. The features and benefits of prepaid debit cards appear to be less than those of regular checking accounts. But there has been an evolution of these payment cards, which are still evolving. Prepaid debit cards now make it easy to load checks directly. Getting a prepaid card that allows you to load paychecks with your phone is finally possible. So, you don’t need to visit a cash counter physically. Instead, you can load your prepaid card on the go and then spend the amount anywhere.
Several prepaid card issuers offer apps that allow you to deposit a check to your prepaid card. A simple snap of the check is all that is required to complete your deposit. The app will then ask you to input check information, such as the amount. This prepaid card allows mobile check cashing for loading your prepaid cards.
How Does Mobile Check Cashing Work, And How Do You Loading Prepaid Card?
Cashing a check through a mobile device is called Mobile check cashing, which doesn’t require you to go to a bank counter. It’s a digital procedure that allows you to deposit checks directly into your prepaid card account. This is great for those who can’t deposit their check in person or go to a cash reload location. You can easily do this yourself by uploading a picture of your check to your account by taking a picture of the front and back.
As with traditional check deposits, you’ll need to endorse the check and confirm the amount on the app, just like you would with a check. You’ll get your money in 24 to 48 hours after it’s cleared. Mobile check deposits for free usually take up to 10 days on Netspend® Visa® Prepaid Cards. There’s a 1% to 4% fee for instant or same-day processing.
Top 7 Best Prepaid Debit Card For Loading Cash Using Mobile Check
It is an excellent option to load a prepaid debit card that allows mobile check deposits or cash. Using prepaid cards instead of bank accounts, you can cash your check to load into prepaid cards just as you would a credit card or debit card. Prepaid cards that accept mobile deposits of checks are listed below, which you may want to consider loading.
1. Netspend Prepaid
Netspend may be the first company that comes to mind when thinking of prepaid debit cards. Using the free app, you can upload pictures of payroll checks or personal checks to your prepaid debit account. Once your mobile check deposit is complete, your Netspend app will notify you and update your balance. The card includes several security features to protect your money and credentials. Your money can be covered if you report any suspicious incidents immediately. Besides checking your Netspend card balance and viewing transaction history, you can receive account alerts through the Netspend app.
2. Brinks Prepaid Master Card
The Brinks Prepaid Mastercard offers many advantages over other prepaid debit cards. Adding funds to a Brink’s card is as simple as loading a check, setting up a direct deposit, or transferring money from another bank account or another Brink’s card. You can receive your paycheck up to two days sooner if you enroll in direct deposit. If you sign up for a direct deposit, you will be able to lower the monthly fee on your Brinks Prepaid Mastercard. You may also utilize the mobile deposit feature if you receive other checks during the month. There are third-party fees associated with check cashing that are subject to change. A flat fee of $5 applies to expedited services.
3. BB&T Prepaid Debit Card
Many financial experts consider the BB&T Prepaid Debit Card the best prepaid card to load with mobile check cashing. BB&T prepaid debit card holders can load money without paying fees when they use mobile check cashing. But, to deposit checks on mobile, you have to have an active deposit account. You can deposit up to $2,500 daily and $5,000 monthly via direct deposit. It’s essential to consider customer satisfaction to gain more customers and increase trust. BB&T’s team is relentlessly addressing this issue, and BB&T’s prepaid debit card customer service at BB&T is excellent. With a prepaid card, you can deposit checks from your Android or iOS phone.
4. PayPal Prepaid Mastercard
Check-cashing is one feature of PayPal Prepaid Mastercard, which lets you add funds from checks to your PayPal Balance. If you get a check, you can deposit it with the app in minutes. It’s as easy as taking a picture of your check and uploading it. You’ll get your check approved in minutes and show up as a pending deposit. If you want your check to be available immediately, the fee can be up to 5%. But it can be done for free if you choose the 10 days processing period. To do this, you will need a PayPal Cash Plus account. The PayPal Prepaid Mastercard lets you add funds to your reloadable card or set up direct deposit anywhere there’s Netspend cash reload location.
5. Bluebird® American Express® Prepaid Debit Account
American Express® Prepaid Debit Accounts work everywhere. There’s no doubt that this prepaid debit card has many features that a bank has, including online bill pay, sending money to friends, direct deposit, and mobile check deposit. Reloading cash at Walmart Money Centers doesn’t cost anything. Bluebird’s app has a mobile Check Capture feature that lets you digitally deposit paper checks. Only iPhones and Androids with the latest updates have this feature. A section called “Money In” shows you what options you have for depositing money on your card, and the app is very user-friendly.
6. ACE Elite™ Visa® Prepaid Debit Card
The Ace Elite Mobile app makes managing your finances on the go super easy. It lets you check your balance, add money via mobile check deposit, and send money to friends and family. This Prepaid Debit Card has a low monthly fee and many great features. You can load a check onto your card with the Mobile Check Load feature. There are also text alerts about transactions and balance updates, including when a deposit clears. You can do all this using the Anytime Alerts feature.
After you get your money on your debit card, you can use it anywhere Visa debit cards are accepted. There are over 900 ACE Cash Express locations nationwide where you can withdraw up to $100 daily.
7. Green Dot Prepaid Visa Card
With the Green Dot Prepaid Visa Card, you can load prepaid cards and cash them out on the go. There may be a fee of up to 4% depending on the type of check you write with the Green Dot Prepaid Visa Card. You can get direct deposits up to $5,000 daily and $10,000 monthly. There aren’t a lot of fees, so this is one of the cheapest prepaid cards around. Mobile check deposits cost between 1% and 4%, and you have to have an account, depending on the type of check.
Can I Cash A Third-party Check And Load It On A Prepaid Card?
Third-party checks are unpayable checks endorsed by the person who endorses them to you for cashing or depositing. It’s not usually accessible for a person to cash a third-party check and load it onto the prepaid card as there might be no name on the check. Be sure you know the company’s policy regarding third-party checks, and you and the endorser must sign the check. The federal government backs government checks, so you may have a better chance of getting your cash accepted if it’s that kind of check.
It is not necessary to have a bank account to use prepaid cards. There are quite a few differences between a prepaid debit card and a bank account. In certain circumstances, the company might work with a third-party bank to provide banking services, including direct deposit and mobile check upload.