There are a variety of ways to deposit a check onto your prepaid card, ranging from direct depositing the funds to scanning the check using a mobile app. You are limited only by the capabilities of your card issuer.
Direct Deposit Check
A common method cardholders use for depositing checks onto a prepaid card is direct deposit. Usually, this is reserved for recurring payments, such as tax refunds, paychecks and Social Security benefits. When you received your prepaid card, the issuer likely sent you a direct deposit form disclosing your card's routing number and account number. If you don't have this form, contact your card issuer for this information. Once you have your card's routing and account numbers in hand, provide them to the party you're expecting a check from, such as the IRS or your employer. Each party may ask you to complete their own direct deposit form to complete the process. Once done, instead of you receiving a paper check, the funds will be automatically deposited onto you prepaid card on the scheduled payment date.
Deposit Check Inside Branch
If your prepaid card was issued by a financial institution with branch locations, you may be able to deposit your check in person. Take the check into the local branch. You will be asked to sign the check, provide identification and disclose the card account you wish the funds to be deposited into. At some banks, such as Chase Bank, you can even deposit your check onto your prepaid card using branch ATMs.
Scan and Load Checks
Some prepaid cards allow cardholders to deposit checks by scanning them with their mobile phone. Contact your card issuer to determine if your card uses such technology. Ingo Money is one such application and is used by several prepaid card issuers. After downloading the required software onto your phone from either Apple Store or Google Play, you would then take a picture of the front and back of the check you wish to deposit. Sign the back before taking any photos. The funds are released once the check is processed, which can range from minutes to days depending on your card issuer.
One way to speed up the deposit of a check is by having the funds transferred to your prepaid account directly. Known as an ACH transfer, the person or business sending you money would provide its bank with the routing and account numbers of your prepaid account where the funds are to be deposited.