What is a Prepaid Card? 

Have you ever used a prepaid card? If not you might be missing out on a great money management tool.

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Prepaid cards are a great financial asset. They can help card users better budget their money and stay within that budget. They also make great gift cards or practice cards for kids on an allowance. 

At Check City, we are proud to offer great cards to our customers. Visit any of our locations in order to pick one up today!

What is a Prepaid Card?

They are an alternative option for traditional debit cards. They are great because you don't need a checking account from a bank to use one. 

Instead of keeping your money in an account that your debit card has access to, you can just load your money directly onto your card. 

You can purchase these cards from many places too, like Check City stores. Reload your card whenever you need to at Check City stores as well. 

How Do Prepaid Cards Work? 

These cards are extremely easy to use. They are a lot like a gift card and debit card wrapped into one. 

Purchase your card from a store that sells them. When you buy the card you'll also put your first monetary amount onto the card. Now that money is on the card you can use it anywhere that accepts the type of card you have (whether that is a prepaid Visa card or Mastercard). 

Once your funds are gone, you can visit a store that offers card reloading services and put more funds on the card. 

Keep in mind that there might be fees involved when buying a new card or reloading funds onto a card. 

How Do Prepaid Visa Cards Work? 

Debit card issuers are usually Visa or Mastercards. Different places will sometimes only accept one or the other type of card for payment. 

At Check City, you can get a Prepaid Visa Card!  

How to Get a Prepaid Card

Getting a card is easy to do. All you have to do is visit a nearby store location that offers this type of card and purchase one. And no application is necessary! 

First, understand the fees.

‍You should be sure that a prepaid card is going to be a good financial decision. There are some charges and fees you'll want to be aware of first.  

Before you buy, ask for a list of charges and fees associated with that card. For example, some cards will charge you for each reload or for ATM withdrawals. After you have a list of the costs, compare these costs to your checking account. If you do not have a checking account, you can compare it to your current payment method costs.

Second, is a prepaid card right for you?

‍You should be sure that the card is going to be convenient for you. If you are hassling with cash for each of your payments, you may find that a debit card is a lot easier to manage.

There are many reasons to get a prepaid card and there are many ways to take advantage of prepaid cards.

Third, understand the available features.

Make sure that you understand the tools and features that come with the card. You want to make sure you are taking full advantage of all the card's features. 

Take time making your decision. This way, you can be sure that you have the type of card that is going to work the best for your situation. Then, you will be happy with the form of payment that you use on a daily basis.

Reasons to Use Reloadable Prepaid Cards

Prepaid debit cards are a great tool and can be used in so many different ways. Whether you are trying to practice good budgeting habits, or need a reliable card for you and your family, this reloadable card is a great solution.


Reloadable cards are incredibly convenient. You can enjoy all the convenience of a debit card without needing a checking account. 

You can carry around a small, simple card instead of bulky cash and change. You also don't have to double-check how much cash you have on you before going out. Instead, you can safely carry all your cash on a simple card.

Save Time 

Save time on each purchase by swiping with a card instead of counting out cash and change. With one easy swipe, you can quickly and efficiently complete your purchases and move on with your day.

Easy Budgeting

They can also help with budgeting. Deposit a certain amount each month, and have the certainty that you will not overspend. Reloadable cards only let you use the amount that's on it. So you won't run the risk of accidentally spending more than your budget allows and paying high overdraft fees. 

Another helpful tip for how to budget with money loaded onto the card is to use different cards for different purchases. Divide the different sections of your budget into separate cards. That way you can only spend the money you budgeted on each category.

Easy to Use 

Reloadable cards are easy to use. You can get them without a credit check and without a checking account. The terms and conditions are straightforward when you open an account for a reloadable card too. Reload them easily at any Check City location and use them just as you would any other card.

Pay Bills On Time 

Making on-time bill payments each month can be hard. Sticking to a budget is the best solution to this problem and prepaid cards can help you do just that. 

Set aside money for bills on one of your reloadable cards each month and only use that card and that money to pay bills. This way, you'll know the money is safely tucked away in an organized and secure place. Then your money for bills will also be waiting for you in an easy to use card each month.

Teach Children Financial Responsibility

Today there are many different ways to give money to your children. Some more efficient than others. One of the most efficient and safest ways is a prepaid card. 

Having their own card is a lot easier and more convenient than letting them borrow your card.

A prepaid debit card is very convenient during an emergency when your children may need some extra money and you aren’t close to them.

Prepaid debit cards can be a great way to teach your children how to budget. Track and go over their purchases with them each month to help teach them smart money-management habits. 

By using a prepaid debit card, you are putting a cap on their spending. They cannot go over that limit. They will have to learn how to budget their money, and you don’t have to worry about them going over budget.

Gift Money

Trying to find a gift for a friend? A prepaid card is a very fast and easy way to do that. One of the many benefits of a prepaid debit card is gift-giving. You can load funds onto these cards which are then used and drawn from until the card is depleted. 

Since the account used is self-contained, you don’t have to worry about other people interfering. Resulting in a secure method of giving money. Giving cash or a gift card carries risk with the person losing it or only being allowed to use it in one place.

Keep Travel Money Safe and on Budget

Prepaid cards are one of the best ways to keep your money safe while traveling. If your card is stolen then you only lose what is on the card, not everything in your bank account. This way you can control the amount of damage. 

You will also be able to ensure that your payment methods are safe. You can use your card anywhere without fear that you're accidentally giving access to your entire bank account. 

Give yourself an easier and more streamlined experience for your travel budget by sticking to a reloadable card for all your travel expenses.

Account Security 

Another benefit to using a prepaid card is the fact that you can use it as a primary way of spending without needing to worry about account security. You can use a card for all your transactions, and then transfer funds into it as needed. This way, you will not need to worry about identity theft if the card is misplaced or stolen. As the account is self-contained to the amount on the card, it cannot really be utilized to farm further funds from you if stolen.

How to Reload Funds on a Prepaid Debit Card

Step 1: Visit a local Check City location

Step 2: Give the teller the prepaid card you want to reload and the funds you want to put on the card. 

Step 3: The teller will reload your card for you and your funds will be available on the card right away. 

In Conclusion,

Whether you are gifting money to someone else or you would like to have a more theft-proof account for your own purposes, these cards make it easy to pay for things without worry.