Hello, silverspoon-ga (laterz)
Thank you for your patience while I researched your question. I did
not realize that you were on a deadline. Also, there are particular
types of questions which take quite a long time to research,
especially when they are requests for comprehensive sources pertaining
to several products. You asked for a good deal of information that is
not easily found in one spot :)
I just saw your latest clarification as I was posting my completed
answer. I hope this information is suitable as it is geared toward
your original question.
There are many facets to the prepaid card business. Prepaid debit
cards, bank gift cards, individual store gift cards, corporate gift
cards to promote brand and employee loyalty, cards issued by specific
vendors like AAA that can be used anywhere, military "stored value"
cards and pre-cash cards for cellular customers are just some that I
uncovered!
** As per your question, I have focused specifically on the online
prepaid debit cards, bank gift cards and prepaid ATM cards. Since you
requested funding methods and limits, I have highlighted that
information and provided a link should you wish to look at the further
descriptions and benefits of each card.
********************
PREPAID DEBIT CARDS
********************
=========================
Wired Plastic Master Card
=========================
Funding:
"Add cash at over 40,000 Western UnionŽ Agent locations using
SwiftPayŽ and over 10,000 more locations using our InstaPay network.
Receive your Payroll or Government check directly to the Wired Plastic
card.
Funding/Spending Limit:
"Set your own spending limits and track your purchases with our
online account management and 24-hour toll-free access line
Information and online application
https://securesite.ibusinesses.com/wiredplastic/index.php?id=h10913113h
=======================
Visa Prepaid Cash Card
=======================
Funding:
Money Order Loading
Cash Deposits - Load your card by making cash deposits at any Bank of
America branch
office (Live Teller)
Card-to-Card Loading - Use your online account to transfer money to
family and friends
from one card to another. See the simple Card-To-Card button including
in your online
card support account, and within seconds money will be sent to another
friend or family member that has a card. (Great for College Students
away from Home!)
Funding Limit:
1. There is no limit upon the maximum amount that may be transferred
to your Card by an employer for your regular work payment.
2. You may not load more than $1000 or less than $25 onto the card at
any one time from your Funding Account.
3. The Card may not be loaded more than twice per day or ten times per
week, nor for more than $1,500 per day or $5,000 per week.
https://debitcardtracking.com/ppc/clixgalore1.htm (Click on links for
FAQ's, Card Deposit Slips and Terms and Conditions for more
information)
==========================
Eufora Prepaid Master Card
==========================
Funding:
Online through existing savings or checking account
Money Order
Wire Transfer
Direct Deposit: "Load your prepaid card directly from your employer's
payroll. You can load up to $2500.00 or any fixed amount of your pay,
automatically loaded on this card."
Funding Limit:
"There is no minimum balance required. However, each Value Load must
be at least $5. There is a $1.00 fee for each reload. There is no
limit on the total number of reloads that can be put on the card. The
maximum daily Value Load using an existing checking or savings through
the internet is $300 or one per day. You may also send us a Money
Order. The maximum Load Value using a money order is $2500. The
maximum balance the card can carry at any one time is $2500.
For more information:
http://www.eufora.com/faqs_prepaid.jsp
========================================================
Advantage International Stored Value MasterCardŽ or Visa
========================================================
"The Stored Value MasterCardŽ or VisaŽ Card is a unique, incomparable,
one of a kind freedom card. It sets you free to control your own
money, and make your own decisions on how to use your money, while
providing you the most simple, modern, and flexible means of
delivering your money to whomsoever you choose. It is a distinctive
blend of the best of a debit card and a full function MasterCard or
Visa credit card. It has all the functionality and utility of the
world's most widely accepted credit card. Yet it has more functions
than either the debit card or the credit card that you may have a
"wallet full" of. With your Stored Value MasterCardŽ or VisaŽ Card you
don't need a "wallet full" of those other cards."
Funding:
--------
"With your Stored Value MasterCardŽ or VisaŽ Card , you can simply go
online where ever you are and withdraw money from your bank and
transfer it onto your Stored Value MasterCardŽ or VisaŽ Card. Your
employer, benefactor, gaming site owner, or any other person that has
a Stored Value MasterCardŽ or VisaŽ Card can transfer any amount of
money from their Stored Value MasterCardŽ or VisaŽ Card to yours, and
vice versa. This can be done online or by a toll free telephone call.
You can also load any amount you desire to load by bank wire. There is
no limit as to the amount that you can transfer from one Stored Value
MasterCardŽ or VisaŽ Card to another Stored Value MasterCardŽ or VisaŽ
Card .
Likewise, there is no limit as to the amount of money that you can
maintain in this "bank in your pocket".
"All ATM limits will apply to Stored Value MasterCardŽ or VisaŽ Card .
The draw down limit will vary from country to country, and from
location to location within a country. It will also vary from ATM
system to ATM system. This limit is often between $400 and $800 at an
ATM machine. However, there is usually no limit when your Stored Value
MasterCardŽ or VisaŽ Card is presented at a bank instead of at an ATM
machine."
Funding/Spending Limit
------------------------
"There is no limit as to how much money can be expended on a single
transaction with your Stored Value MasterCardŽ or VisaŽ Card . If you
have enough money loaded onto you card, you could buy a house if you
want to do so. There is no limit to the amount of monies that you can
load onto your Stored Value MasterCardŽ or VisaŽ Card . Likewise,
there is no limit on the amount of money that you can spend at any
time using your Stored Value MasterCardŽ or VisaŽ Card . The only
limit on a purchase is the amount of money you have previously loaded
onto the card."
Information and Online Application:
http://advantage.zone-card.com/signup.xform?sessionId=0CC5950224847505B5F2CEB646928E3D
All additional information can be found on the link for Card Details:
http://advantage.zone-card.com/card_details.html?sessionId=0CC5950224847505B5F2CEB646928E3D
=================================
Elite Plus Visa Stored Value Card
=================================
Funding: (Click on link for "Card Deposit Slips")
DC PrePaid Cash Card allows you 5 options to load your card:
1. Payroll Card Direct Deposit from Employer
2. Money Order Loading
Our simple form will let you send your money order to the address
included, and within days we will load the value we receive on your
VISAŽ Card for spending or saving. This form allows SDC to identify
what card to load value, so make sure you write clearly.
3. Cash Deposits
Load your card by making cash deposits at any Bank of America branch
office - Live Teller.
4. ACH Personal Bank Account Load
You can load money to your VISAŽ card by providing your US bank
account information for transferring funds within days onto your VISAŽ
Card.
5. Card-to-Card Loading
Use your online account to transfer money to family and friends from
one card to another. See the simple Card-To-Card button including in
your online card support account, and within seconds money will be
sent to another friend or family member that has a card. (Great for
College Students away from Home!)
Funding/Spending Limit: (Click on link for Benefits)
-----------------------------------------------------
"Unlike traditional credit cards, the VisaŽ Prepaid Cash Card does not
extend you credit. Instead, accounts are prepaid for a specific amount
while still being backed by VisaŽ for universal acceptance. There is
no line of credit and accounts are only good for the balance applied."
(For more information about the card, click on FAQ link)
Information and Online Application
http://www.elitepluscard.com/index.php?id=h10914884h
========================
Vaya Prepaid MasterCard
=========================
NO finance charges
NO security deposit
NO bank account required
NO credit checks
NO employment verifications
Funding: (click on link for "Learn More:)
--------
There are two great ways to load money to your card.
(1) From Bank Account: You choose the amount and set the loading
schedule, and we'll automatically move your money from your bank
account to your Vaya Card. And because you're in control, you can
change your funding options at any time.
(2) From Paycheck: Load your Vaya Card with all (or a portion) of your
paycheck or government benefits check. You choose the amount, and
we'll automatically load your money to the card every pay period. You
get instant access to your money, and can always stay in control by
changing the amount of your direct deposit at any time.
Funding/Spending Limit (Click on link for "Questions & Answers")
-----------------------------------------------------------------
"..this card is a prepaid card that is loaded with YOUR money. You can
spend or withdraw the funds as you see fit, but you can?t spend more
than your current available card balance....You can have all or a
portion of your paycheck direct deposited to the card or you can add
funds directly from your checking or savings account. Please contact
Customer Service for additional information.....You can withdraw up to
$400 per day, with a minimum withdrawal amount of $10. If your daily
cash requirements are greater than these limits, contact our Customer
Service team for adjustments. Please note, however, that certain ATMs
have machine-imposed limits that may not allow you to withdraw the
maximum daily amount."
Information and Online Application:
https://www.cardenroll.com/signupdisplay.asp?sessionid=0000145872667c4586c288800872ffe4895989b9362c&mungedid=956743a9117b48f47521c7240f968cc3&c=1170&r=11112752
===============================================
Platinum Benefit Group Pre-Paid Mastercard Card
================================================
"This card does not require you to open a savings account! This is a
"Pay-as-you-go" interest free PBG pre-paid MasterCardŽ Card where you
set your own limit - if you need fifty dollars on the card, that's
what you send."
"If you are over the age of 18 and have an active checking account you
qualify for this card. No employment is necessary and you will not be
turned down."
"There is no minimum balance required on the card."
Funding: information will require a phone call since the site lacks
the "instructions" that are supposed to be available.
"There are simple instructions on how to load "Funds" on to your PBG
pre-paid MasterCardŽ Card right here on this site. You can also call
1-877-344-4835 and receive instructions from our automated system or
contact customer service."
http://www.platinumbenefitsapp.com/index.php?campaignId=10000503894#APP
(Click on various links at the top for the cited information)
==
A unique variation on this theme:
============================================================
Web Certificate - "The Virtual Master Card Gift Certificate"
============================================================
"Webcertificate is the first and only online gift certificate that can
be used to buy virtually anything, anywhere, at anytime on the Web!
That's right! There are approximately 1 million places to shop online
- and Webcertificate is the ONLY online gift certificate good at
virtually every single one of them!"
Funding: By online credit card
More information
https://www.webcertificate.com/webcert/faq.asp?mscssid=9NF8P8LK03X18NQ01XSKQRF0LQND0QM9
***************
BANK GIFT CARDS
***************
Lasalle Bank Gift Card
========================
Card Limit: "The minimum value the LaSalle Bank Gift Card can have is
$25 and the maximum value is $250."
(Click on "Help/FAQ" link for further information)
https://www.lasallebankgiftcard.com/
The Bank of America VisaŽ Gift Card
===================================
Card Limit: "You can purchase cards in any whole dollar amount you
choose from $25 to $600."
Funding: By credit card or check card
http://www.bankofamerica.com/giftcard/index.cfm?orgid=bofa&S=
First National Bank of Omaha
============================
Card Limit: "You may purchase a Gift Card in any whole dollar
denomination from $25 - $750."
Funding: "Visa or MasterCard credit card or check card.
http://www.firstnational.com/fnb/personal/cardproducts/giftcards/faqs.asp
Charter One Bank MasterCardŽ Gift Card
=======================================
Card Limit: "You can purchase a Charter One Gift Card in any whole
dollar amount from $25 up to $500."
Funding: By credit or debit card
http://www.charterone.com/giftcards/giftfaq.asp#faq07
Fleet Bank Visa Gift Card
=========================
Card Limit: "You can purchase a Fleet VisaŽ Gift Card in select dollar
amounts between $25 to $500 (maximum $1,000 for Customers).
Funding: "You may use any VisaŽ or MasterCardŽ to purchase a Fleet
VisaŽ Gift Card. However, you must use a Fleet Credit or Check Card in
order to receive Customer Pricing."
http://cards.fleet.com/consumer_cards/gift_card_faq.shtml#buy
Bank of Oklahoma Deluxe Choice Card
====================================
Card Limit: "You can purchase the card in whole dollar amounts between
$20 and $500."
Funding: "Pay for the Deluxe Choice Card with your VisaŽ or MasterCard."
http://www.deluxe.com/dlxcard/deluxe-choice-card-faq.jsp?kc=FS11
BancorpSouth MasterCardŽ Gift Card
==================================
Card Limit: Appears to be from $20 to $2500.
Funding: "The prepaid MasterCard card can be loaded with funds by
using cash, check, credit card, debit card or direct payment from a
personal banking account."
https://bxsprod.pulseaccess.net/Consumer/PublicAccess/CardCatalog.aspx?ProgramID=11
INTRUST Bank Visa Gift Card
===========================
Card Limit: "Choose from denominations of $25 - $500."
Funding: "You can pay with any Visa or MasterCardŽ credit or debit card."
http://www.intrustbank.com/INTRUSTVGCP/GiftCardFAQ.aspx
West Suburban Bank Gift Card
==============================
Card Limit: "You do not have to purchase in preset dollar increments.
You may load any amount of money onto the card you choose."
(Will need to contact bank for funding details)
http://www.cashcardinternational.com/giftcards.html
Bank of Albuquerque Deluxe Choice Gift Card
============================================
Card Limit: "Select a dollar amount between $20 and $500 dollars."
Funding: "Pay for the Deluxe Choice Card with your VisaŽ or MasterCard."
http://www.deluxe.com/dlxcard/deluxe-choice-card-about.jsp?kc=FS11
Bank of Texas Deluxe Choice Gift Card
======================================
Card Limit: "Select a dollar amount between $20 and $500 dollars."
Funding: "Pay for the Deluxe Choice Card with your VisaŽ or MasterCard."
http://www.deluxe.com/dlxcard/deluxe-choice-card-about.jsp?kc=FS11
Bank of Arkansas Deluxe Choice Gift Card
=========================================
Card Limit: "Select a dollar amount between $20 and $500 dollars."
Funding: "Pay for the Deluxe Choice Card with your VisaŽ or MasterCard."
http://www.deluxe.com/dlxcard/deluxe-choice-card-about.jsp?kc=FS11
National City Bank Visa Gift Card
==================================
Card Limit: $25 - $500 (whole dollars amounts)
Funding: "Anyone can order a card through this web site by using a
check card or credit card.
https://giftcard.nationalcity.com/index.cfm?pageid=g04
US BANK Visa BUXX Card
========================
"The Visa Buxx card may only be used by the teen in whose name the
card is issued. You must be at least 13 years old to get a Visa Buxx
card."
Card Limit: "The maximum balance that your teen's Visa Buxx card may
carry at one time is $1,500. Total money transferred to the card may
not exceed $1,500 over any 30-day period. This maximum includes money
loaded to the card from all sources-you, your teen's gift givers, and
allowance schedules."
Funding: "When you enroll, you register at least one of the following
as a funding account: debit card, credit card, checking account, or
savings account. You can load money from registered accounts to your
teen's card online or by phone; funds from check and credit cards are
available immediately. Transfers from checking or savings account take
5 business days to process.
For More Information
https://usbank.visabuxx.com/index.cfm?pageid=a206&CFID=56053&CFTOKEN=94fc05-2f76f319-4a76-432a-bebd-96b200c15457#4
*****************
PREPAID ATM CARDS (also called pre-paid cash cards)
*****************
You have asked about prepaid ATM cards offered by stores. Without
physically going to some of the stores that might offer such cards, it
is hard to find brands online. Prepaid ATM cards are basically the
same as prepaid Debit cards.
=======================
BanXcard MaestroŽ Card
=======================
"BanXcard MaestroŽ Card is a unique combination of a prepaid debit
card, worldwide ATM card and telephone card." The card "is available
from retail merchants, check cashers, travel agencies and other
locations. The merchant can easily load the card with money by using a
swipe terminal. With the BanXcard, the user can then purchase goods at
any merchant who accepts debit cards. There is no limit to the times
the cardholder can reload his card."
"BanXcard is available as of today in certain markets in the US. As
the remaining US
regions are added, BanX's distribution coverage will be nationwide."
From August 2003 Press Release at http://www.banxcard.com/
(There is no mention of vendors who carry the card)
====================
GPA Cash Plus Card
====================
"The new GPA CashPlus card works at over 400,000 ATM machines world
wide. Cards can be loaded with cash for use online or at any Plus,
Pulse, and Star ATM and merchant locations including most gas
stations, grocery departments and drug stores (anywhere that accepts
debit cards)."
(Call 888-750-1187 for more information or to place an order)
==========================
PrePaid ATM Virtual Card
==========================
The ability to shop online
The only card that can transfer funds to other Cardholders in seconds
PrePaidATM Physical Card:
-----------------------
Use your PrePaidATM Card at thousands of retail locations nationwide
or wherever debit cards are accepted!
Receive funds at thousands of ATM machines worldwide!
When using your physical PrePaidATM Card, you will use the same PIN
number that you use with your virtual card.
PrePaidATM Merchants:
--------------------
Check cashing locations
College bookstores
Retail locations
More Information
https://www.prepaidatm.com/secure/regcard.cfm#
Funding Information for the PrePaid ATM card was found on the Caribean
Sports Book website at
http://www.caribbeansportsbook.com/popups/faq/faq_bankdeposits.html#5
1. Western Union
2. Cradit Cards
3. Electronic checks
4. Bank Wire
5. Card to Card Transfer
======================
Additional Information
======================
"Prepaid cards -- nice gift, but watch those fees," by Laura Bruce. Bankrate.com
http://www.bankrate.com/brm/news/cc/20020506a.asp?prodtype=cc
"Gift Cards." CardWeb.com
http://www.cardweb.com/cardtrak/pastissues/dec02.html
****************
Again, I am sorry for the delay in getting back to you. I wanted to
make sure I had exhausted as many resources as possible to provide a
thorough answer.!
Sincerely,
umiat-ga
Google Search Strategy
"prepaid debit cards'
"bank gift cards"
"gift card" AND bank
"stored value cards"
"prepaid ATM cards"
pre-cash cards |
