Direct Deposit Prepaid Debit Cards

Say "buh-bye" to outrageous fees and "hellooooo" to opt+® direct deposit! With our direct deposit card, you can have your paycheck sent directly to your opt+ card. That means no trips to the bank, no check cashing fees, no high overdraft fees, and no hassle!

opt+ Direct Deposit Prepaid Debit Card

Enjoy the Benefits of the Opt+ Direct Deposit Card

The direct deposit opt+ card offers all the benefits of a traditional bank card, but has built-in benefits to suit your money needs. We could talk forever, but the benefits talk for themselves! See why more and more people are choosing the opt+ direct deposit card.

Get Paid 1-3 Days Faster: Money in your account and ready to spend

Save Time and Money: Save a trip to cash your check, and enjoy free PIN and signature purchases

Keep Your Money Safe and Secure: Your money will be safely deposited to your card



Direct Deposit Card Charges & Fees

For a basic $5.95 monthly fee you can enjoy the freedom and power to spend your money how you want. Plus, if you have $1,500 in direct deposits for a calendar month, we'll give you a $5.95 refund that will be credited directly to your card! That's right, you could use your opt+ prepaid card and pay no monthly costs!

Monthly Card Fee $5.95
PIN Purchases Free
Signature Purchases Free
ATM Balance Inquiry Free
ATM Decline Fee $0.50

This card is issued by Urban Trust Bank, FSB, or TFSB pursuant to a license from VISA. VISA is a registered trademark of Visa USA, Inc. All trademarks and service marks are property of their respective owners. Urban Trust Bank and TFSB are members of the Federal Deposit Insurance Corporation and all cardholders' funds are insured by the FDIC in accordance with the FDIC applicable terms and conditions.

In compliance with the USA PATRIOT Act* and other laws, anyone who is a US resident over 18 with a valid Social Security number and a verifiable physical US address (no PO boxes or APO addresses) can apply for an opt+ Card. This information must be provided, along with other information pertinent to receiving approval, when applying for a opt+ Card. Currently, we do not issue the opt+ Card to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa, or other US territories.

Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.

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*At Speedy Cash & Rapid Cash locations only      **Other fees may apply