Prepaid Debit Card Questions

Are you looking for a safe, secure, and easy way to manage your money? Are you considering getting a prepaid debit card? Are prepaid debit cards a new concept to you? Curious how they work? No matter what sparked your questions about prepaid cards, we're glad you found us! Opt+® is happy to provide answers to your most pressing prepaid debit card questions.

What is a prepaid debit card?

Prepaid debit cards are a smart and cost-effective alternative to carrying cash and paying check-cashing fees. Because it's a pre-funded card, you only spend the money you load on it.

How do prepaid debit cards work?

It's a pretty simple process. Here's a basic rundown of how it works!

First, you need to apply for a prepaid card.

Once you receive your card, you will need to activate it.

After you activate your card, you can load money onto it.

With money loaded, you're free to start spending.

Reload and repeat!


Is a prepaid card right for me?

If you're looking for an alternative to a traditional bank card that will help you keep from overspending and make it easy to track your budget – then a prepaid debit card may be the right solution for you!

How is a prepaid card different from a credit card?

Unlike a credit card, you must load money onto a prepaid card before you can start spending. You will only be able to spend the amount of money that you have available on the card.

How do you make purchases with a prepaid card?

Just like a bank card, you can choose to make PIN or signature purchases with a prepaid card. Just swipe your card and either enter your PIN, or select "credit" to sign for your transaction.


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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