Why Should I Choose Opt+ for My Prepaid Debit Card

We know you have a lot of options when it comes to choosing a prepaid debit card, and we want you to be comfortable with the decision you make. When it comes to your money, we understand that you want it to be safe and secure, and you want the ability to spend it however you need. That's why we have partnered with Visa®, one of the world's leading global payment technology companies, so we can ensure your security and offer you the most convenient payment options possible – all around the world!

The opt+® Visa® Prepaid Debit Card offers a variety of benefits and conveniences that other prepaid cards just can't compete with! Keep reading to find out why opt+ is the prepaid debit card for you!

Manage Your Account on the Go

Save a trip to the bank and manage your opt+ account from your computer or mobile device. With your opt+ card, you will gain access to our robust online account management system.

Enjoy the benefits of online account management.

Add cash to your opt+ card
Find Load Locations
Track purchases, deposits and card balance
Set text and email alerts

Shop Anywhere Visa® Debit Cards are Accepted

Opt+ cards are accepted anywhere Visa® debit cards are accepted. Use your card for a variety of purchases including shopping online, paying bills, buying groceries, and even withdrawing cash at an ATM.

Pay bills and shop online.

Pay bills and shop online.

Make online purchases and pay bills online securely and with ease. Simply enter your opt+ card information and the transaction amount will be debited out of your opt+ prepaid account.

Get cash at ATMs.

Get cash at ATMs.

Get cash at any Visa® ReadyLink ATM. Just enter your personalized PIN, select withdrawal and enter the desired amount of cash. Funds will be automatically withdrawn from your opt+ account.

Use your card at the grocery store.

Use your card at the grocery store.

Pay for your grocery purchases with your opt+ card. Swipe your card as credit to sign for your purchase, or swipe as debit to enter your PIN and get cash back at no cost.

Load Money Free at Speedy Cash & Rapid Cash Stores

As the exclusive distributor of the opt+® prepaid card, Speedy Cash stores and Rapid Cash stores offer free loads and unloads at any of their locations! That means you can deposit money into your account or withdraw cash at any time, and as often as you want – all at no cost! Most Speedy Cash and Rapid Cash stores also have in-store ATMs, so if the store is busy there's no need to wait in line! You can utilize their ATM to get the cash you need (also at no cost!) Now what prepaid debit card provides more convenience than that?!

Because the opt+ Visa® Prepaid Debit Card is exclusively distributed by Speedy Cash, you receive the financial expertise of their representatives. Need to cash a check? Their in-store representatives can cash your check, and immediately load the funds directly to your opt+ card.

Enjoy Unlimited Customer Service

Your money is important to you, so it's important to us! At any time, you may have questions about your account – and we're here to help! Our customer service team is standing by and ready to answer any of your questions. Best of all, unlike other prepaid cards, we won't charge you for customer service inquiries.

Get Your Opt+ Prepaid Debit Card

Have we convinced you yet? If you're looking for a prepaid card that meets your financial needs, you've come to the right place. Get your opt+ card by clicking the "Apply Now" button below.

Apply Now


This card is issued by Axiom Bank ®, Member FDIC, 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.

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