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Opt Plus Card
Opt Plus Card

Opt+® Prepaid Visa® Debit Cards

Your Money
Your Way.

No credit check. No minimum deposit. No activation fee.

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Prepaid Cards in a Nutshell

Looking for a secure way to manage your money without so much red tape? Prepaid debit cards from Opt+ give you flexible spending without the commitment of a typical financial account.

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On-Demand Alerts

Receive account notifications right to your phone.

Mobile Check Load(1)

Snap a photo to load a paper check to your account.

Bill Pay in a Snap

Organize and pay bills directly from your mobile device.

Instant* Card-to-Card Transfers

Sending funds to any other Opt+ cardholder is quick and easy.

*Subject to system limitations.

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Get Paid Early

Need that cash flow yesterday? Sign up for Direct Deposit and you could get paid up to 2 days early(2). You can even decide how much of your paycheck gets loaded onto your card. Just another way to manage your money on your terms.

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Use Anywhere Visa® is Accepted

A Visa® prepaid debit card from Opt+ gives you the freedom to spend where you need. Use your card online, over the phone, in stores - anywhere!

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FDIC Insured

The FDIC has been protecting deposits since 1933, and the funds on your Opt+ card are no exception. Now that's security you can trust.

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Cash in Your Hands When You Need It (Fee Free!)

Get cash off your card at no charge from any of our Speedy Cash or Rapid Cash locations. And when your card needs a refill, you can also load funds fee free at those same locations or at any Visa® ReadyLink location

Opt + Reviews


"Super easy and convenient. Also direct deposit was hassle free to set up."

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Safe and Secure

Opt+® is a registered trademark of Attain Finance, LLC

The Program Manager for the Opt+® Prepaid Visa® Debit Card is Attain Finance, LLC

Issuer Statement: The Opt+ Prepaid Visa Debit Card is issued by Axiom Bank, N.A. (Member FDIC) or Metropolitan Commercial Bank (Member FDIC) pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa U.S.A. Inc. "Metropolitan Commercial Bank" and "Metropolitan" are registered trademarks of Metropolitan Commercial Bank ©2014. BY USING THIS CARD YOU AGREE TO THE TERMS AND CONDITIONS OF THE CARDHOLDER AGREEMENT AND FEE SCHEDULE, IF ANY.

Important information for opening a card account: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third parties 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, social security number or country identification number, and other information that will allow us to identify you. We may also request a copy of your driver’s license or other documentation bearing your photo as verification of your identity. Currently, we do not issue the Opt+ Card to residents of Puerto Rico, Guam, the Virgin Islands, American Samoa, or other US territories.

1Ingo Money® is a third party service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be funded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See your Cardholder or Account Agreement for details.

2Timing of direct deposit posting depends on when we get notice from the payor and may vary from deposit period to deposit period.

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. Data rates may apply.

Opt+ may make phone calls or deliver SMS text messages to your phone number based on your account settings. To view details, please refer to the Phone Terms of Use and the SMS Terms of Use