How to Load a Prepaid Card With a Check

Loading a postpaid card with a check can be expensive, but it doesn ’ t have to be. here are all the ways to load that hindrance to your card–including 3 ways that don ’ deoxythymidine monophosphate monetary value a thing .
Deposit Check To Prepaid Card
We all like to get paid, but when you ’ re handed a check you need a room to actually spend your money. For prepay debit poster users, the issue becomes how you load the check on the prepay card. preferably without it costing an arm and a peg .
The estimable news is there are a number of ways to load a postpaid calling card with a confirmation, including several spare or low monetary value options.

Direct Deposit

For payroll, government profit, and tax refund checks, you can opt to skip checks raw using aim sediment. direct deposit is free on about all prepay cards and can even help you gain access to your funds improving to 2 days earlier .
direct deposit means receiving the money electronically preferably than by paper check. Most employees are already using it– 82 % and grow .
You ’ ll need to provide your employer or benefit network with your poster ’ s routing number and your personal report number. You can find both numbers in your postpaid card ’ s app or on-line. If you ’ ra perplex, you can besides call the number on the second of your card for aid .
With some cards, like the Walmart MoneyCard or BBVA Compass ClearSpend Visa, if you set up directly deposit, you can use your prepaid calling card with no monthly fees .

Upload Check to Prepaid Card with a Mobile App

many prepaid wag mobile apps allow you to upload your check to your postpaid card. Endorse the back of your check by signing it and writing “ For Mobile Deposit ” underneath your touch. then log into the app, enter the come of the see, and take a photograph of the front and back of your check .
Mobile check deposit can take fourth dimension. On the Netspend Visa Prepaid Card, processing a mobile confirmation deposit can take up to 10 days. If you want same-day march, you ’ ll have to pay a 1 % to 4 % fee. This is pretty typical. many postpaid cards, like Netspend, manipulation Ingo Money for their mobile check depository and the fees and timeframes are set by Ingo Money .
If you regularly deposit checks and lack access faster, consider trust sponsored cards like the Wells Fargo EasyPay Card or Fifth Third ’ s Access 360 Mastercard. Although bank-issued prepay cards are limited to their service area, they broadly process check deposits flying .

Deposit to Your Bank Account and Transfer to Your Prepaid Card

many prepaid card users besides have a control account and may not want to deposit all of a check on their cards. Perfect. You can deposit checks to your bank account for loose, either through lineal depository or a deposit at the ATM or teller, and transfer money from your bank account to your postpaid card. It ’ randomness easy and exempt .

Visit a Reload Location

For many postpaid debit cards, you can load checks at any recharge location where you can load cash onto your prepay tease. There is normally a load tip but paying one fee is better than getting hit with a check cashing tip then an extra fee to load that cash onto your postpaid circuit board .
The Walmart MoneyCard offers a free cash load when using Walmart ’ s check cashing serve. Check cashing costs $ 3 for checks under $ 1,000 and up to $ 6 for larger checks .
Any postpaid tease in the Netspend system, such as the Netspend Visa Prepaid Card, PayPal Prepaid Mastercard, and Brink ’ second Prepaid Mastercard, can use one of the 130,000 recharge locations across the area to load cash or checks. reload fees are $ 2.00 – $ 4.95 but modal about $ 3.95.

Ingo Money App

If your prepaid calling card doesn ’ thymine offer mobile check lodge through its own app, you will likely still be able to use the Ingo Money App to load a check onto your postpaid card. Ingo Money can be used to fund most prepay cards .
With the Ingo Money App, you can deposit a check onto your prepay card for free if you choose to have the funds processed within 10 days. You can besides use this option to buy an Amazon endowment calling card .
If you need your money faster, there are fees involved. To get your funds in minutes, Ingo charges 2 % for payroll and government checks and 5 % for all early take checks, with a $ 5 minimum tip per hindrance. If you regularly habit Ingo ’ s fast crack deposit, you can become an Ingo Gold penis with slightly lower fees. Deposit six or more checks with rapid process in 90 days and fees are reduced to 1 % for payroll and government checks and 4 % for all other checks. But fees are still a minimum of $ 5 per check .
Ingo ’ s rapid process have is expensive, specially for minor check sizes or personal checks. But if you have the time to wait for 10-day action, this can be a low-cost lode option .
You can get the Ingo Money App on Android or io devices .

Cash Your Check, Then Load Cash

Americans spent a stagger $ 56 billion in check cash services in 2015 .
And when it comes to loading your postpaid card with a check, this is ( about always ) the most expensive choice. You ’ ll be hit with fees twice. once when you cash the arrest, and again when you load the cash onto your wag .
many retail stores, such as Walmart, Kmart, grocery stores and gas stations will cash checks. But costs can be $ 1 to $ 10 or more, depending on the store location and size of the check. Check cashing stores are even worse. Fees at check cash stores are normally a percentage of the check remainder that can run up to 12 % ( though 5 % -7 % is distinctive ) .
After you have your cash, you ’ ll need to visit a cash recharge localization for your postpaid card. Fees at these locations can run improving to $ 4.95 per transaction. And since most of these recharge locations besides take checks, it is likely more effective to just go square there and skip the check cashing tip .
possibly the entirely exception is the Walmart MoneyCard. The MoneyCard charges $ 3 for check cash but waives the cash reload tip for loading the cash to the card.

Summary

Skipping checks altogether and opting for direct situate on your prepay batting order is the fastest and cheapest way to gain access to your funds .
Prepaid card apps often offer mobile check deposit to your postpaid calling card, but it takes time, although some bank-issued postpaid cards can cut that time well .
If you don ’ t have conduct lodge and don ’ t have prison term to waste, you can besides visit your prepaid card ’ south recharge locations to load funds from a check for a fee that can range from $ 2.00 to up to $ 4.95 per check .