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Here's what other people just like you wanted to know.

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The Basics

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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.

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  1. Complete an application for a prepaid card.
  2. Once you receive your card, you will need to activate it.
  3. Load money onto your card.
  4. Now you’re free to start spending!
  5. Reload funds onto your card whenever you need.
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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.

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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!

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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.

Getting a Card

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Using an Opt+ card is simple! You can load money onto your card at any Speedy Cash or Rapid Cash location, or any Visa® ReadyLink location. Then use your card to make purchases and pay bills. The amount of each purchase will be deducted from your loaded balance.

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Opt+ cards are distributed exclusively at Speedy Cash and Rapid Cash stores, and of course right here on our website using our secure online application. We will just need to verify some basic information, and then you'll receive your Opt+ card at no charge. You must be 18 years old with proof of identity.

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You can activate your card online, through the mobile app or by calling 1-866-331-3063.

Card Fees

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There are three basic cards that have different payment plans. Learn more about Opt+ card plans to find out which card best suits your needs.

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All transactions at Speedy Cash or Rapid Cash locations are fee free! Withdrawals, transfers and balance inquiries from other ATMs may be assessed a fee. You may also be charged a fee by the ATM operator. There is an ATM decline fee of $0.50. To learn more review our card plans, Terms & Conditions web pages, or call Customer Service at 1-866-331-3063.

Deposits, Withdrawals, & Spending

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  1. Add funds fee free at any Speedy Cash or Rapid Cash location
  2. Visit any Visa® ReadyLink location (fees may apply)
  3. Set up Direct Deposit and have your paycheck sent directly to your Opt+ card
  4. Load checks to your card in the Opt+ mobile app1
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Yes, the withdrawal limit is $300 per transaction. The maximum withdrawal limit per day is $900.

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Opt+ is accepted worldwide wherever Visa® debit cards are accepted.

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Yes! It’s easy to organize and pay bills online or through the mobile app. You can even schedule bills to be paid ahead of time and on repeat so you don’t forget.

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Yes; we recommend you prepay inside. If paying at the pump, there will be a $75 hold on your funds to ensure your card has enough funds to cover your gas purchase. If your card doesn't have a $75 balance, it will be declined.

These holds, known as “authorization holds” can also occur on purchases such as hotels and car rentals and can be up to 20% your total transaction amount. They are temporary and will be removed before the transaction is posted.

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  1. Log in to the Opt+ mobile app
  2. Tap the “Load Check” menu option
  3. Follow the on-screen prompts to submit your endorsed check1

Still have questions?

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.

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.

*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 allows 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.

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