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How To Deposit Check Online To Prepaid Card

Being paid is the best part of work, and most people look forward to payday. If you are paid through a check, you may have to wait for a while to spend your money. You need to get it to the bank and wait for the funds to be available in your account.

It would be best if you can deposit your check from the comfort of your home or office as soon as you get it. If you use a prepaid card, you might find it expensive when you need to load it. You need to find a better way to deposit check online to a prepaid card without costing you an arm and a leg.

How To Deposit Check Online To Prepaid Card

Deposit Check Online To Prepaid Card

There are several low cost and also free options to use when loafing prepaid cards from personal checks. The options will work for all types of credit cards, including student credit cards. Even if you do not have a credit history, you can also enjoy the benefits.

The following are ways to deposit a personal check to a prepaid card:

1) Direct Deposit

A direct deposit is an excellent option for anyone who would like to transfer their money from a checking account to a prepaid card online if you are getting payroll checks or tax refund checks. This is also a great way to deposit the check into your account. The option is free when you are using most prepaid cards. You can access the funds two days earlier than most people when using this method.

With direct deposit, you will get your money electronically instead of the regular paper check. If you would like to use this option, you will need to give your employer the following information:

  • The card routing number
  • Your personal account number
  • Benefit network

You access all the information you need online, or you can also download the prepaid card app on your smart device. Some cards will allow you to use direct deposits without you paying any fees. Some prepaid cards like BBVA compass and Walmart MoneyCard are relatively free because you will not pay monthly fees when using direct deposits. It has made it easy for people with no credit history to have prepaid cards and receive money fast.

2) Mobile App

As more companies and people embrace the digital era, it has become necessary to have an easier way to manage finances. Financial institutions have introduced mobile apps to ensure their customers can access their accounts. With a mobile app, you can make check deposits and also make transfers from anywhere. Once you receive your check, you can take a photo and upload it using the app to your account. This is a much faster way of getting money to your account.

With some bank accounts, you will even have access to your money as soon as you make the deposit. You will not need to wait until the money has been reflected in your account or cleared by the bank to withdraw or use it. If you are starting a new job, this will make it easy because you can easily access your money. You will also have the advantage of getting your pay earlier than most people.

The following are some steps to take when uploading a check using the app:

  1. Download the mobile app to your smart device and set it up. You will get instructions that you can easily follow and enter the information needed.
  2. Sign the back of the check and indicate that it is for mobile deposit. This way, you will have endorsed it.
  3. Sign in to the prepaid app
  4. Take a clear photo of the front and the back of the check and upload it to the app.

Bear in mind that you may have to pay some processing fee if you need the funds immediately. If you do not want to pay the fee, you can wait for the set amount of time to use your money. Check with your bank to ensure that you know how much they will charge you for the transactions. 

No matter how much you will pay to access your money, it will be faster than the regular deposits. It is also safer for you to deposit through your mobile instead of going to a physical bank.

3) ATM Deposits

You can use an ATM to load money to your prepaid card after you get your check. This is not the ideal method because you will need to visit a physical ATM to do the transaction. Ensure that you sign your check and then deposit it to the ATM that is near you. You will need to wait until the money has been reflected in your account.

Once the money is in your account, you can transfer the amount you want to your prepaid card. You can still use your mobile app or the website to transfer funds to your card. If you do not wish to link to the external bank, you can use this option. However, there are a few drawbacks to using the ATM:

  • You must go to the ATM location.
  • You will have to wait few days for the funds to reflect in your account
  • You will incur some fees
  • It is time-consuming

Please ensure that you sign your check before you deposit it to the ATM. Keep in mind that this process can take a while, and you will not access your money immediately as opposed to a mobile deposit.

Deposit Money To Your Bank Account And Transfer To Prepaid Card

Many people with prepaid cards also have checking accounts. At any time, you may need to transfer funds from your account to the prepaid card. This can be for shopping and paying off bills. Most banks have made it easy to transfer funds from your account to the prepaid card without going to the bank.

You may also need to transfer a portion of your money from your account to the prepaid card. This is pretty simple when you are doing it online. For most banks, this service is free, and you can load money on your prepaid card from anywhere you are.

The following are the advantage of using this method to transfer your funds:

  • You will not pay any fee to transfer your funds to the prepaid card
  • You can transfer some amount of money and leave the rest in your account. This makes it easy for you to save your money and only use what you need at a particular time.
  • You can transfer funds as many times as you would prefer
  • Transferring funds is easy because you will not need to visit a physical location or bank.

You should note that to transfer cash to your prepaid card. You need to use the deposit check online prepaid card. Once you deposit the check, you will have funds in your account to transfer to your prepaid card.

Steps To Deposit Personal Checks To Prepaid Cards

When you are making money transfers, you will not pay any fee. You can do the transaction online using a mobile app or using a computer. The following are the steps you will need to take to transfer funds to a prepaid card after a check deposit:

Step 1: Get The Card’s Account Number And Routing Number

The first step is to note the cards account number and the routing number. These are attached to the card, and they vary according to the issuing banks. Ensure that you have the number with you because you will need it when processing the transfer.

Once you download the app to your smart device, you will need to enter the requested information. Please enter the numbers correctly because they will be verified before you can use the account.

Step 2: Deposit The Personal Check to Prepaid Card

All the account numbers are unique, and they identify your prepaid card. A routing number will identify the bank that has issued the prepaid card. When you are depositing the check, you will need to take a photo of the check and upload it. You can easily follow the instructions once you sign in to the mobile app.

Step 3: Add Prepaid Card To Your Bank Account

Before you can transfer funds from your account, you need to ensure that you have a prepaid card. You can set up another account even from a different bank if you would prefer it that way. Use the same procedure to set up your account and then log in using the instructions prompts. If you have another bank account, use the set up external option. To set up the external account, you will need:

  • The bank number
  • Account number
  • Prepaid routing number

Step 4: Make A Test Deposits

Any bank will need you to verify your account before you can transfer money. This will help ascertain that the external account has been correctly linked to your bank account. When you deposit a check in your account, you should check if it is successful. If the test deposits are reflected successfully, you will know that you have entered all the information correctly and you are ready to use the account.

Step 5: Transfer The Money

When you are sure that you have linked the bank successfully, you can now transfer funds. Log in to your account from the website or use the mobile app. You can have the app on your mobile device so that it is easy to access. If you do not have the app, you can also visit the website and log in using the portal provided. Log in and follow the instructions as provided by the website or in the app. You can then enter the amount you want to transfer from the account to the prepaid card. Remember that this process can take between a few minutes and even a day for you to get the money on your card.

You can also visit a reload location if you need to load more funds on the card. This option has a load fee, unlike the transfer method. It would be best if you tried to be sure about the money you want to transfer so that you will not need to reload.

Cashing the Check and Then Loading the Cash Option

In some cases, you may not have the option of depositing your check online. You still can load your prepaid card with money after you cash the check. You will need to do the following when loading the cash:

  • Check the transaction fees before you cash your check. This includes the amount you be charged to cash the check and the cost to load it to your prepaid card.
  • Cash your check-in at a retail store or a check-cashing store. Before you cash your check, you need to put in mind that a retail store will charge you slightly less than a check-cashing store. This is because the check-cashing store charges a percentage of the check within many cases is higher. A retail store will charge you between $1 to $10, depending on the size of the check.
  • After you cash the check, you can go to a reload store so that you can load the cash into your prepaid card. You will pay a fee between $3 and $5 for each transaction you make. Confirm that the reload center takes checks before you cash your check to skip the cashing cost.

Ensure that you know the fees before you use any chore to cash or load your check to your prepaid card. If you do not want to use the in-person method to cash your check, you can also use the ATM.


The mobile era has made it easy for most people to access their money when they need to. However, it is essential to note that you may have to pay certain fees when using the deposit check online prepaid card. To avoid the many costs attached to transactions, try to make a few transfers. For example, work out your monthly budget before you make a transfer. This way, you can make one transfer every month and avoid reloading fees.

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