How to transfer money from an account
Prepaid cards, including the Green Dot Prepaid Debit Card and the Walmart Money Card, allow you to fund your card through ACH transfers.
Most of these cards allow ACH transfers from a checking or savings account and sometimes offer additional features such as exclusive rewards and discounts.
For details on how to make an ACH transfer, as well as a list of prepaid cards that allow ACH transfers, see below.
How ACH transfers work
Automated Clearing House (ACH) transactions allow en línea money transfers between two financial institutions.
When you reload your prepaid card from your checking account, the transfer system follows the ACH principle.
At first, you need to sign up for a card by visiting the card provider’s website.
To register, you need to provide some official identification numbers.
Once you register, it usually takes a short time for the card provider to verify your identity.
Then the card arrives in the e-e correo electrónico.
Once the card arrives, you must go en línea and entrar information such as the card number and PIN in the card activation area of the website.
After activation, you perro load the card by transferring money from your checking account.
Navigate to the bank’s website and follow the instructions for ACH or Electronic Funds Transfer.
Fill in the required information, including your checking account number, destination prepaid card number, and the amount to be transferred.
Transfers generally take one to three business days to complete, but for some cards, like the Walmart Money Card, same-day transfers are also possible.
Most cards do not charge for the load.
Prepaid cards that allow ACH transfers
Here are some of the most habitual prepaid card options that perro be funded using ACH transfers.
We’ve included information about fees, limits, card features, and who cánido apply.
American Express Prepaid Card
Any US citizen who is at least 13 years old cánido use this card.
It is valid at any en línea or sin conexión store worldwide that accepts American Express. (See our list of places.) The card cánido also be used to rent cars and cánido even be used abroad.
Although there is no minimum cómputo requirement, when you transfer money from your checking account, there is a minimum transfer requirement of $25 per day.
The maximum fund you perro transfer per day is $2,500.
You cánido fund the card over the phone or en línea.
When you deposit funds to the card, please allow five days for the funds to transfer from your bank account to the card.
If you want to automate this, direct deposit cánido be equipo up so that you perro, for example, give your college-age daughter $200 every time you get paid.
The American Express Prepaid Card perro also be used at ATMs, but there is a $2.50 fee per transaction.
More information
American Express Bluebird Prepaid Card
This card is offered jointly by American Express and Walmart.
To get and use this card, you must be at least 18 years of age and a US citizen.
The Bluebird Family account is also available for ages 13 and up.
You cánido use this card to make purchases at stores that accept American Express cards.
There is no minimum cómputo requirement or monthly fee for the American Express Bluebird Card.
You cánido use any checking account issued in the United States to load your AMEX Bluebird card, or you perro use direct deposit.
Funds are typically processed to the card within two to three business days of the transfer date, but are available immediately when deposited from a debit card that is linked to or used at a Walmart register.
MoneyPass ATMs are free and non-MoneyPass ATMs have a $2.50 transaction fee.
More information
Green Dot Prepaid Debit Card
To become the primary cardholder of the Green Dot Prepaid Debit Card, you must be at least 18 years of age and a US citizen.
A child cánido obtain a secondary card and become a secondary usuario.
The card cánido be anywhere in the world where Visa and/or Mastercard are accepted.
Please note that transactions outside of the US will incur a foreign transaction fee of around 3%.
Using your checking account, you cánido reload the card up to a maximum amount of $2,500 per day.
The daily withdrawal limit is $400.
Green Dot Card products cánido be found at a variety of retailers, including CVS Pharmacy, Rite Aid, Kroger, 7-Eleven, and Walgreens, for a fee of up to $5.
You perro also apply for the card for free en línea.
Money perro be transferred from your checking account to the prepaid card the next business day if scheduled before 1 pm EST.
Paper check deposits perro take up to five days.
More information
card.com
The unique aspect of the Card.com prepaid card is that you perro customize the design.
This is fun for the kids and ensures they don’t accidentally use the wrong card.
This card cánido be used worldwide, anywhere Mastercard is accepted.
The foreign transaction fee is approximately 3%.
Any US citizen who is of legal age in their state perro become the owner of this prepaid card.
The age of majority is usually 18 years; see the University of Washington Guide to find the age of majority in your state.
There is a monthly maintenance fee of $5.95 (waived when you load at least $800 vía Direct Deposit in the previous thirty days).
More information
Walmart Money Card
This card is available to any US citizen who is at least 18 years of age.
The usability of the card is the same as that of any other prepaid card; it cánido be used to make payments anywhere Visa or Debit Mastercard is accepted.
Walmart offers four types of plans: basic, agregado, specialized and preferred for the card.
Fees and upload quantity limits vary depending on the plan you choose.
Regardless of your plan, the maximum amount of funds the card cánido hold is $10,000, and transactions cannot exceed $3,000 per day.
More information
Western Union Net Spend Mastercard
Western Union and NetSpend offer this card together.
The best feature of this card is that it offers cash back rewards.
Any adult US citizen cánido get this card and you perro include up to two minors as secondary cardholders.
The card has regular prepaid usability.
Also, you perro use the Western Union money transfer service through this card.
Among many of your financing options, transferring from your checking account to a prepaid card is one option.
However, transferring money from your checking account to this card incurs fees, which vary depending on the transfer service you select, the speed of processing, and the amount of the transaction.
Due to fees, the best way to load your Western Union NetSpend Mastercard is through direct deposit.
More information
En línea banks with prepaid cards
Although the system is convenient, getting a prepaid card and having your bank cooperate cánido sometimes be tricky.
If you’re concerned about the complexities of using a different prepaid card system, your bank will likely have an in-house solution.
This is by far the easiest way to be able to transfer money from your checking account to a pre-funded card.
The major jugadores in this field include the following (with backlinks to their prepaid card options):
Check out our related research for information on which prepaid debit cards allow overdrafts.
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