Prepaid debit cards make it possible to deposit checks quickly without a traditional bank account. Whether you’re depositing a payroll check, government payment, or tax refund, the right prepaid card can give you fast access to your money through mobile check deposit.
This guide explains which prepaid debit cards support mobile check deposits, how instant deposits work, what fees to expect, and how to choose the best option based on your needs.
Best Prepaid Cards That Allow Mobile Check Deposits
The prepaid cards below support mobile check deposits through their official apps. Availability, fees, and approval speed vary depending on the card provider and your account history.
Green Dot Prepaid Visa
Best for: Fast approvals and nationwide availability.
- Mobile check deposit: Yes, through the Green Dot app
- Instant deposit: Available for a fee on eligible checks
- Standard deposit: 1–5 business days
- Accepted checks: Payroll, government, and select personal checks
Green Dot is one of the most widely used prepaid cards for mobile check deposits and offers reliable processing for recurring income.
Learn more about Green Dot check deposits
Netspend Prepaid Mastercard
Best for: Flexible deposit options and faster access to funds.
- Mobile check deposit: Yes (powered by Ingo Money)
- Instant deposit: Available for a fee
- Standard deposit: Typically 1–10 business days
- Extras: Early direct deposit and budgeting tools
Netspend works well for users who regularly deposit checks and want flexible payout options.
Walmart MoneyCard
Best for: Combining in-store services with mobile check deposits.
- Mobile deposit: Supported through the Walmart MoneyCard app
- Instant deposit: Available for qualifying checks
- In-store option: Cash checks at Walmart service centers
This card works well if you prefer both online and in-store access to your money.
Learn more about Walmart MoneyCard
Chime (Mobile Banking App)
Best for: No-fee mobile deposits after account verification.
- Mobile check deposit: Yes, after eligibility is met
- Instant deposit: Not always available
- Best use: Payroll and government checks
Chime is ideal for users who want a bank-style app experience without traditional banking fees.
Learn how Chime mobile check deposit works
How Instant Check Deposits Work
When you submit a check through a prepaid card app, the provider verifies the image and check data before releasing funds. Some deposits qualify for instant access, while others are held for review.
- Instant deposits usually include a processing fee
- Standard deposits are free but may take 1–5 business days
- Approval depends on check type and account history
Which Checks Are Approved the Fastest?
Checks that typically process the fastest include:
- Payroll checks
- Government benefit checks
- Tax refund checks
Personal and handwritten checks may require additional verification or longer hold times.
Final Thoughts
Prepaid debit cards with mobile check deposit offer a flexible way to access your money without a traditional bank account. By comparing features, fees, and approval times, you can choose the option that fits your needs and get paid faster.
For more guidance, explore our full library of resources on check cashing, prepaid cards, and mobile banking options.