How Opt+ Prepaid Debit Cards Work

Ready to get started? It's simple! We've outlined the step-by-step process to get, activate, and start using your
opt+® Visa® Prepaid Debit Card.

Get Your Opt+ Card

Getting your opt+ card is an easy process. We just need some basic information to get you started. We provide two convenient ways for you to open an opt+ account. Choose the option that works best for you!

Activate Your Card

The activation process takes just a few short minutes, and as soon as your card has been activated you can immediately load money to your card and begin making purchases! Activate your card online or by calling 1-866-331-3063.

Load Money

Loading money to your opt+ card is easy! Choose from any of the convenient ways we offer to load funds to your card!

Use Your Card

Once your card has been activated, you can start making purchases anywhere Visa debit cards are accepted.

  • Make purchases at stores, over the phone and online
  • Withdraw cash at ATMs worldwide
  • Pay bills, rent, and other necessities

Set Up Online Account Management

To help you track your spending, opt+ offers a number of features to manage your account online. Enjoy the benefits of online account management!

  • Track your purchases, deposits and card balance
  • Set email and text alerts to receive notifications of card activity

Try Opt+ Today!

Ready to give opt+ a shot? Simply click the "Apply Now" button below and provide us some basic information, and you will be on your way to getting your very own opt+ Visa® Prepaid Debit Card!

Apply Now

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.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play is a trademark of Google Inc.

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