13 Best Prepaid Debit Cards With Mobile Check Deposit

William Lipovsky headshot William Lipovsky
Updated Dec 4, 2023
Woman using a smartphone to mobile deposit a check

Several prepaid card issuers offer mobile deposits, which allow you to use an Android or iOS app to deposit a check to your prepaid card. You’ll take pictures of the check within the app and enter check information, such as the amount, to complete your deposit.

Some card issuers will require you to open a deposit account when you register your card, while others connect to existing bank accounts. Linking a deposit account is how the card issuers make sure that any funds you deposit are FDIC-insured.

Below, we list the issuers and specific cards that allow mobile deposits.

What We Recommend

All of the prepaid card mobile deposit apps that we researched are available on both Android and iOS platforms. However, some charge additional fees for the service.

We recommend the following prepaid cards, which do not charge for mobile deposits:

  • Truist Prepaid Debid Card
  • Starbucks Rewards Visa Prepaid Card
  • Walmart MoneyCard
  • Wells Fargo EasyPay Card

Comparison Table

You can use the table below for a quick comparison of the fees and limits for mobile deposits with each card, then select any card’s name or scroll to the list below for more information.

Prepaid Card Mobile Deposit Fees Mobile Deposit Limit
Bluebird by American ExpressVariable $10,000/month; $100,000/year
American Express ServeVariable $5,000/day; $10,000/month
Truist Prepaid Debit CardNone No limit
Brink's Money Prepaid MastercardVariable Not specified
GreenDot Prepaid Visa CardNone $5,000/day; $10,000/month
Kroger REWARDS Prepaid VisaUp to 5% or $5 minimum $1,000/day; $10,000/30 days
MyVanilla Mastercard and VisaUp to 5% or $5 minimum $2,500/day; $5,000/month
Netspend Prepaid Debit CardUp to 5% or $5 minimum $2,500/check; $5,000/day; $10,000/month
PayPal Prepaid MastercardUp to 2%-5% or free for 10-day processing $2,500/check; $5,000/day; $10,000/month
Starbucks Rewards Visa Prepaid CardNone Varies by account; your card balance can't exceed $10,000
RushCardUp to 4% or $5 or free for 10-day processing $10,000/day
Walmart MoneyCardNone $1,500 or 3 transactions
Wells Fargo EasyPay CardNone Varies by account

The List

Most prepaid cards come with similar fees and limits, and all of the cards we researched allow mobile deposits.

Below, we list the prepaid cards with mobile deposits, ordered starting with the best overall options.

Keep in mind that depending on your phone plan, message and data charges may apply. Additionally, mobile carrier availability in your area may also restrict mobile deposit access.

For non-mobile deposit options, see our research on ways to load a check onto a prepaid card.

1. Truist Prepaid Debit Card

  • Fees and restrictions: None for direct deposit; however, mobile or data carrier fees may apply.[1][2]
  • Deposit limit: No limit[3]
  • Platform: Android and iOS[4]
  • Get the card

2. Wells Fargo EasyPay Card

  • Fees and restrictions: None; must have an active deposit account to deposit checks on mobile[5]
  • Deposit limit: Varies by account[5][6]
  • Platform: Android and iOS[7]
  • Get the card

3. Walmart MoneyCard

  • Fees and restrictions: No fees[8]
  • Deposit limit: $1,500 or three transactions per day[9]
  • Platform: Android and iOS[8]
  • Get the card

Find out more in our related research about the Walmart MoneyCard.

4. Starbucks Rewards Visa Prepaid Card

  • Fees and restrictions: None for mobile deposit[10]
  • Deposit limit: Your card balance can’t exceed $10,000[11]
  • Platform: Android and iOS[12]
  • Get the card

5. Brink’s Money Prepaid Mastercard

  • Fees and restrictions: No fees (subject to change); 2% or $5 for expedited reload of government or payroll checks with a pre-printed signature, whichever is greater; 5% or $5 for expedited reload of all other checks, whichever is greater; requires a Card Account for mobile check deposits[13]
  • Deposit limit: Not specified[14]
  • Platform: Android and iOS[15]
  • Get the card

6. Green Dot Prepaid Visa Card

  • Fees and restrictions: No fee for mobile deposit; requires the activation of a deposit account[16][17]
  • Deposit limit: $5,000 per week; $15,000 per month[18]
  • Platform: Android and iOS[19]
  • Get the card

7. Bluebird by American Express

  • Fees and restrictions: No fee for money in days; 1%-5% fee for money in minutes with a minimum $5; Bluebird uses Ingo Money for mobile check deposits[20]
  • Deposit limit: $10,000 per month; $100,000 per year for all Bluebird accounts combined[21]
  • Platform: Android and iOS[22][23]
  • Get the card

8. American Express Serve

  • Fees and restrictions: None for money in days; up to 5% fee (minimum $5) for money in minutes; serve uses Ingo Money for mobile check deposits (requires Debit Account for mobile deposits).[24]
  • Deposit limit: $5,000 per day; $10,000 per month
  • [24]
  • Platform: Android and iOS[25]
  • Get the card

9. Kroger REWARDS Prepaid Visa

  • Fees and restrictions: Up to 5% or $5 minimum; Kroger uses Ingo Money for mobile check deposits[26]
  • Deposit limit: 3 transactions totaling up to $1,000 per day; 10 transactions totaling up to $10,000 per every 30 consecutive days[26]
  • Platform: Android and iOS[27]
  • Get the card

10. MyVanilla Mastercard and Visa

  • Fees and restrictions: Fee up to 5% (minimum $5); MyVanilla uses Ingo Money for mobile check deposits[28]
  • Deposit limit: $2,500 per day; $5,000 per month[28]
  • Platform: Android and iOS[29]
  • Get the card

11. Netspend Prepaid Debit Card

  • Fees and restrictions: $5 minimum or up to 5%; Netspend uses Ingo Money for mobile check deposits; must have an active Card Account for deposits[30][31]
  • Deposit limit: Varies by account[32]
  • Platform: Android and iOS[30]
  • Get the card

12. PayPal Prepaid Mastercard

  • Fees and restrictions: Up to 2%-5% for immediate availability; free for 10-day processing[33][34][35]
  • Deposit limit: $2,500 per check, $5,000 per day, $10,000 per month[35]
  • Platform: Android and iOS[36][37]
  • Get the card

13. RushCard

  • Fees and restrictions: $5 or up to 4% for immediate availability; no fee for 10-day processing; must have Card Account for mobile deposits[38]
  • Deposit limit: $10,000 per day; maximum card balance is $10,000[38][39]
  • Platform: Android and iOS[40]
  • Get the card
  1. Truist Facebook Messenger chat[↩]
  2. https://www.truist.com/prepaid-cards/money-account[↩]
  3. https://www.truist.com/content/dam/truist-bank/us/en/documents/merger/online-check-deposit-transition-information-for-suntrust-clients.pdf[↩]
  4. https://www.truist.com/digital-banking[↩]
  5. https://www.wellsfargo.com/mobile/apps/mobile-deposit/[↩][↩]
  6. https://www.wellsfargo.com/help/mobile-features/mobile-deposit-faqs/[↩]
  7. https://www.wellsfargo.com/mobile/apps/[↩]
  8. https://www.walmartmoneycard.com/mobile-check-balance[↩][↩]
  9. https://www.walmartmoneycard.com/help/adding-money.html[↩]
  10. https://stories.starbucks.com/press/2018/starbucks-and-chase-introduce-starbucks-rewards-visa-prepaid-card/[↩]
  11. https://www.starbucks.com/terms/manage-gift-cards/[↩]
  12. https://www.starbucks.com/rewards/mobile-apps/[↩]
  13. https://www.brinksprepaidmastercard.com/how_it_works.shtml[↩]
  14. https://www.brinksprepaidmastercard.com/features.shtml#m[↩]
  15. https://brinksmoney.com/mobile-app[↩]
  16. https://www.greendot.com/content/dam/greendot/legal/about/docs/gdunlimited3daa.pdf[↩]
  17. https://www.greendot.com/helpcenter/add-money/cash-and-deposit-checks/mobile-check-deposit-using-the-greendot-app/how-much-does-it-cost-to-make-a-mobile-check-deposit-using-the-green-dot-app[↩]
  18. https://ingomoneyapp.com/partners/greendot-terms-conditions/[↩]
  19. https://www.greendot.com/personal-banking/deposit-money/mobile-check-deposit/ingo[↩]
  20. https://www.bluebird.com/faqs/money-in/add-money-from-checks-using-mobile-check-capture-by-ingo-money#pwhat-are-the-3186063002[↩]
  21. https://www.bluebird.com/legal/member-agreement[↩]
  22. https://play.google.com/store/apps/details?id=com.bluebird.mobile&hl=en_US&gl=US[↩]
  23. http://bluebird-american-express.appstor.io/[↩]
  24. https://www.serve.com/legal/free-reloads-user-agreement[↩][↩]
  25. https://www.serve.com/[↩]
  26. https://www.krogerprepaid.com/wp-content/uploads/Fees-and-Limits-for-Web.pdf[↩][↩]
  27. https://www.krogerprepaid.com/how-it-works/adding-funds/[↩]
  28. https://www.myvanillacard.com/fees[↩][↩]
  29. https://www.myvanillacard.com/[↩]
  30. https://www.netspend.com/prepaid-debit/features/mobile-check-load/[↩][↩]
  31. https://www.netspend.com/prepaid-debit/features/mobile-app[↩]
  32. Netspend Company email: customerservice@netspend.com[↩]
  33. https://www.prepaidlf.com/terms/710311120.pdf[↩]
  34. https://www.paypal.com/us/smarthelp/article/what-is-the-cash-a-check-service-in-the-paypal-app-faq3725[↩]
  35. https://ingomoneyapp.com/partners/paypal-prepaid-terms-conditions/[↩][↩]
  36. https://www.paypal.com/us/webapps/mpp/mobile-apps/paypal-app[↩]
  37. https://www.paypal-prepaid.com/[↩]
  38. https://usermanagement.rushcard.com/legal/cardholder-policy-terms[↩][↩]
  39. https://www.rushcardlive.com/prepaid/account/faqs#paymaticlimit[↩]
  40. https://www.rushcard.com/?utm_source=SEM&UTM_sourcecode=Google&utm_medium=376482202&UTM_campaignname=1240249326731694;c&UTM_campaignterm=&UTM_campaigncontent=e;kwd-77515756748496:loc-190&msclkid=48ea6ab5e1d91425ee96346873af6305[↩]

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