Certain prepaid debit cards allow you to deposit checks instantly using your phone — giving you fast access to cash without a traditional bank account. This guide explains which prepaid cards offer mobile check deposit, how long funds take to clear, what fees to expect, and how each option compares.
Whether you’re depositing a payroll check, government benefit check, or tax refund, these prepaid cards offer some of the most reliable check-deposit features available.
Top Prepaid Cards With Instant Check Deposit Options
The prepaid cards below support mobile check deposit through their apps. Instant access may depend on your check type, deposit history, and verification requirements.
1. 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 (no fee)
- ATM access: Large national network
Green Dot is one of the most widely used prepaid cards for mobile deposits. Many payroll and government checks clear quickly if you’ve used the service before.
Read the Green Dot deposit guide
2. Netspend Prepaid Mastercard
Best for: Fast mobile deposits and optional instant funding
- Mobile check deposit: Yes via Ingo Money
- Instant deposit: Available for a fee
- Standard deposit: 10 days (no fee)
- Features: Early direct deposit, budgeting tools
Netspend gives users two options: submit a check for instant access with a fee or wait the standard time for a free deposit. Strong option for frequent check deposit users.
Read the Netspend deposit guide
3. Walmart MoneyCard
Best for: Low fees and easy in-store access
- Mobile check deposit: Yes, through the app
- Instant deposit: Sometimes available for eligible checks
- Standard deposit: 1–5 business days
- Extra perk: Cash checks at Walmart stores if needed
The Walmart MoneyCard works well for people who want both mobile deposit and in-store check-cashing options. Fees are generally lower than competitors.
4. Chime (Reloadable Card Account)
Best for: Free mobile check deposit after meeting requirements
- Mobile check deposit: Yes, after you receive qualifying direct deposits
- Instant deposit: Not typically offered
- Standard deposit: Fast approval for payroll and government checks
- Bonus: Fee-free ATM network
Chime requires prior direct deposit history before unlocking check deposit features, but once active, payroll and government checks are often approved quickly.
Read the Chime check deposit guide
How Instant Check Deposits Work
Instant deposits usually require:
- Identity verification
- A clear image of the front and back of the check
- A fee for immediate release of funds
- Approval from Ingo Money or the card’s processing partner
Most prepaid card apps allow you to choose between a free delayed deposit or a paid instant deposit.
Which Checks Are Approved the Fastest?
- Payroll checks
- Government checks (benefits, tax refunds)
- Cashier’s checks
Handwritten checks, personal checks, and third-party checks take longer or may be denied.
Final Thoughts
Prepaid debit cards with mobile check deposit make it easy to access your money quickly — even without a bank account. Green Dot, Netspend, and the Walmart MoneyCard offer the most flexible instant deposit options, while Chime provides strong features once you meet eligibility requirements.
Compare your options, check fees, and choose the card that best fits how often you deposit checks.