Depositing a check to a prepaid card online is a convenient and easy way to add funds to your account. It can be especially helpful if you don’t have a bank account or if you need to access your money quickly.
How To Deposit Check Online To Prepaid Card
Here’s how to do it:
- Choose a prepaid card that offers mobile check deposit. Not all prepaid cards offer this feature, so it’s important to check with your card issuer first. Some popular prepaid cards that offer mobile check deposit include:
- Netspend
- Serve
- Green Dot
- Bluebird by American Express
- FamZoo
- Download the mobile app for your prepaid card. Once you’ve confirmed that your card issuer offers mobile check deposit, you’ll need to download their mobile app. The app will allow you to deposit checks remotely from your smartphone or tablet.
- Endorse the back of your check. Before you can deposit your check, you’ll need to endorse it on the back. Sign your name on the signature line and write “For mobile deposit only” below your signature.
- Open the mobile app and follow the instructions. Once you’ve endorsed your check, open the mobile app for your prepaid card and follow the instructions to deposit your check. You’ll typically need to take photos of the front and back of your check.
- Submit your deposit. Once you’ve submitted your deposit, your prepaid card issuer will review the check and deposit the funds into your account. This process typically takes 1-2 business days.
Tips for Depositing Checks to a Prepaid Card Online
- Make sure the check is endorsed correctly.
- Take clear photos of the front and back of the check.
- Submit your deposit during business hours.
- Review your prepaid card account activity regularly to make sure the deposit was processed correctly.
Advantages of depositing checks online to a prepaid card
There are several advantages to depositing checks online to a prepaid card:
- Convenience: You can deposit checks from anywhere, at any time, as long as you have an internet connection and your smartphone or tablet.
- Speed: Funds from deposited checks are typically available within 1-2 business days.
- Security: Mobile check deposit is a secure way to add funds to your prepaid card. Your card issuer uses encryption technology to protect your personal and financial information.
- Accessibility: Prepaid cards are available to people with all types of credit history, including those with bad credit or no credit at all.
Disadvantages of depositing checks online to a prepaid card
There are also a few disadvantages to depositing checks online to a prepaid card:
- Fees: Many prepaid card issuers charge fees for mobile check deposit. Be sure to check with your card issuer to see what fees apply.
- Limits: There may be limits on the amount of money you can deposit per day or per month using mobile check deposit.
- Processing time: It can take up to 2 business days for your check to be processed and the funds to be deposited into your account.
Overall, depositing checks online to a prepaid card is a convenient and secure way to add funds to your account. It is especially helpful for people who do not have a bank account or who need to access their money quickly. However, it is important to be aware of the fees and limits associated with mobile check deposit before you start using it.
The Best Prepaid Cards for Mobile Check Deposit
- Netspend: Netspend offers a variety of prepaid cards with mobile check deposit, including the Netspend Visa Prepaid Card and the Netspend Mastercard Prepaid Card. Netspend charges a flat fee of $4.95 for mobile check deposits.
- Serve: Serve is a prepaid card from American Express that offers mobile check deposit for free. However, there is a $4.95 monthly fee for using the Serve card, which can be waived if you set up a recurring direct deposit of at least $500 per month.
- Green Dot: Green Dot offers a variety of prepaid cards with mobile check deposit, including the Green Dot Visa Prepaid Card and the Green Dot Mastercard Prepaid Card. Green Dot charges a flat fee of $5.95 for mobile check deposits.
- Bluebird by American Express: Bluebird by American Express is a prepaid card that offers mobile check deposit for free. There is no monthly fee for using the Bluebird card, but there are fees for certain transactions, such as ATM withdrawals and foreign currency transactions.
- FamZoo: FamZoo is a prepaid card that is designed for families. It offers mobile check deposit for free, and there is no monthly fee for using the card. FamZoo also offers a variety of features that are useful for families, such as parental controls and budgeting tools.
Conclusion
Depositing checks online to a prepaid card is a convenient and secure way to add funds to your account. It is especially helpful for people who do not have a bank account or who need to access their money quickly. When choosing a prepaid card for mobile check deposit, be sure to compare the fees, limits, and features offered by different issuers.
Frequently Asked Questions (FAQ)
Can I deposit check into prepaid card?
Yes, you can deposit checks into prepaid cards. There are a few different ways to do this: Mobile check deposit, ATM deposit and Retailer deposit.
How do I transfer a check to a prepaid card?
To deposit a check to a prepaid card, you will typically need to endorse the back of the check and provide your card account number. The processing time for check deposits varies depending on the prepaid card issuer and the deposit method you use.
Can I deposit a check into a Netspend prepaid card?
Yes, you can deposit a check to a Netspend prepaid card using mobile check deposit or at a participating Walmart store.
Can I deposit a check on my PayPal prepaid card?
Yes, you can deposit a check to your PayPal prepaid card using mobile check deposit.
Can you deposit check to Walmart prepaid card?
Yes, you can deposit a check to a Walmart prepaid card at a participating Walmart store.
Can I deposit a check to my Greendot card?
Yes, you can deposit a check to your Greendot card using mobile check deposit or at a participating Walmart store.
Can you deposit a check into a prepaid card at an ATM?
Some prepaid cards can be reloaded at ATMs, but not all ATMs accept check deposits. Be sure to check with your card issuer first.
Why won’t Green Dot let me deposit check?
There are a few reasons why Green Dot might not allow you to deposit a check. One reason is that the check may be too large or too small. Another reason is that the check may be from a restricted type of bank account, such as a prepaid card account or a business account.
Can you do a mobile deposit with Green Dot?
Yes, you can do a mobile deposit with Green Dot. To do this, you will need to download the Green Dot mobile app and create an account. Once you have created an account, you can follow the instructions in the app to deposit your check.
