4 Ways to Add Funds to Reloadable Prepaid Debit Cards

Reloadable prepaid debit cards come with four different ways to add money. Depending on the issuer of your card, there may be more options available, but these are the most common: direct deposit, cash in person, a reload pack or PayPal. Having this wide variety of options makes it easy to use a prepaid debit card.

Direct Deposit

When you first get the card, you will be given a form to use to have your paycheck direct deposited onto the card. This keeps a steady stream of funds available to you and removes the hassle of having to cash it. This is an excellent option for those who do not have a traditional checking account. The difference here is though, no automatic withdrawals can be made from the account, as the routing and account number you are provided with only accept deposits. Once the deposit is submitted, it may take a couple of days for the money to show on the card. Talk with your card issuer to determine how fast the deposit will post.

Cash in Person

Most prepaid debit cards have locations where you can pay cash and reload the card. There will be a fee to reload the card, but the money is instantly available. The card issuer will provide a list of locations where the card can be reloaded in person with cash. 

Reload Pack

If locations are not available to load the card in person with cash, there are some cards that allow customers to purchase re-loading packs. These packs are nothing more than a gift card of sorts purchased in a regular retail store. After the card is purchased, it is activated and then can be used with the reloadable prepaid debit card to add funds to the account. It works much like a prepaid cell phone card.


Not all cards will accept this method of reloading the debit card. You can attach the prepaid card to your PayPal account by using the routing and account number you are given for direct deposit purposes. PayPal will verify the account with two small deposits under a $1.00. After you get the amounts of the deposits, it will then allow you to deposit money into the account from your PayPal balance. It will take anywhere from 3 to 5 business days to post to the debit card. This is good for people who sell products online and get paid with the site. However, most cards do not have this option because many cards are used to make online purchases, and so is PayPal. 

With the convenience of how many ways there are to add money to a reloaded prepaid debit card, it is easy to see why so many people use them. 

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