Manage your finances better with a reloadable Visa card

Alternative Checking

Everyone has a unique financial situation, and your banking solutions need to meet those needs. If you don’t have a checking account and don’t want to carry cash, a reloadable Visa Prepaid card is a convenient and secure option.

A Visa Prepaid card through The Focus Federal Credit Union allows you to withdraw cash, pay bills, or make purchases safely and securely anywhere Visa debit cards are accepted, in person or online. Unlike a debit card, a prepaid card has a fixed balance loaded onto it that acts as the card’s spending limit. You decide when to add money and then spend it as needed. Because there’s no credit check or bank account required, it can unlock new financial possibilities.

Benefits of Alternative Checking

You can use a Visa Prepaid reloadable debit card in much the same way as a regular debit card — to pay bills, shop, buy gas, dine, rideshare, or any number of activities.

In addition to being an excellent option for making Signature or PIN-based purchases, you can:

  • Manage Expenses. Easily manage your funds by accessing your balance and transaction information online. Download the CUMONEY app to help you manage your money from anywhere. 
  • Reload Online. Loading funds through direct deposit, account-to-card, or at any TFFCU location is fast and easy. You can deposit funds at more than 60,000 locations nationwide. Look for the Visa ReadyLink locations at retailers, including 7-Eleven, Family Dollar, and CircleK.
  • Added Perks. We’re committed to providing cardholders with easy access to valuable perks. Cardholders can access discounts and incentives for car rentals, airline tickets, gas purchases, hotel room reservations, and more.

How to Get an Alternative Checking Account at The Focus Federal Credit Union

Getting started with your Visa Prepaid card is quick and simple. You can get started online or in person, depending on whether you already have the card or want to wait for it to come in the mail. All you need is a minimum load amount of $10 with an activation fee of $3.95. You can load up to $5,000 a day on the card.

Frequently Asked Questions

Is there a difference between a Visa Prepaid card and a credit card?

When you use a credit card, you borrow money and build up a balance of debt you owe. With prepaid cards, you spend money already loaded onto the card. Unlike credit cards, prepaid cards don’t incur interest charges, and no credit check is required upon application.

What if I lose my card?

Federal law protects reloadable prepaid cards against liability and fraud. You’re covered if your card is lost, stolen, or fraudulently used.  

How do I load money to my Visa Prepaid card?

You can load funds onto your Visa Prepaid card through direct deposit and at TFFCU branches and Visa ReadyLink retail locations.

Can a prepaid card help build my credit?

A Visa Prepaid card won’t help you build your credit rating since, unlike a credit card, spending on your prepaid card isn’t reported to the credit bureaus.

How do I know my card balance? 

You can keep track of your available balance and activity through the CUMONEY app or online.

A checking account that fits your lifestyle

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