You can deposit a check onto a prepaid debit card using mobile check deposit or an in-store cashing service. This is a helpful option if you do not have a bank account or want faster access to your money. This guide explains which prepaid cards support check deposits, how the process works, and what to expect for fees and limits.
Which Prepaid Cards Let You Deposit Checks?
Most major prepaid cards offer check-deposit options through their mobile apps or through third-party partners. The most common cards that support check deposits include:
- Green Dot – Supports mobile check deposit and rapid approval options.
- Netspend – Offers mobile check deposit with instant funding (for a fee).
- Walmart MoneyCard – Allows check deposit via mobile app or Walmart stores.
Each prepaid card has different processing times and fees. Mobile deposits are usually the fastest method unless you qualify for instant approval.
How to Deposit a Check onto a Prepaid Card (Mobile Deposit)
- Download your prepaid card’s mobile app.
- Log in and look for the “Deposit Check” or “Mobile Deposit” option.
- Sign the back of your check and write “For mobile deposit only.”
- Take photos of the front and back of the check.
- Submit the deposit and wait for confirmation.
Approval times vary. Some prepaid cards offer instant deposit for a small fee, while standard processing can take 1–5 business days.
Where to Deposit a Check In Person
If you prefer in-store service or need immediate cash, you can cash the check first and then load it onto your prepaid card. These guides may help:
After cashing the check, many prepaid cards allow you to reload the funds at retail stores such as Walmart, CVS, or Dollar General.
Fees and Deposit Limits
Fees and limits depend on your prepaid card provider and whether you choose standard or instant deposit. Instant funding usually includes a fee, while standard processing is free or low-cost.
- Instant deposit: Fee applies; funds available within minutes.
- Standard deposit: No fee; funds available in 1–5 days.
- Deposit limits: Often $1,500–$5,000 depending on card and check type.
Tips for Fast Approval
- Use a clear, wrinkle-free check.
- Ensure your name on the check matches your prepaid card account.
- Submit deposits during business hours for faster processing.
- Avoid handwritten or personal checks when possible — they take longer to approve.
Alternatives if Your Card Doesn’t Allow Check Deposits
If your prepaid card does not support mobile check deposit, try one of these methods:
- Cash the check at a store and reload your card at the register.
- Use mobile deposit with apps such as PayPal or Venmo.
- Deposit the check at a bank if you have an account.
Final Thoughts
Depositing a check onto a prepaid card is quick and reliable when using mobile deposit or a participating retailer. Always compare fees and processing times for your specific prepaid card to avoid delays. If your card doesn’t support direct check deposits, you can use a store that cashes checks and then reload the card in person.