Opt+ Prepaid Debit Cards

The Opt+® Visa® Prepaid Debit Card can be a great solution if you‘re looking for a daily payment alternative to cash. Prepaid debit cards work like traditional bank cards and debit cards. Simply open a prepaid debit card account, load the card, and begin using it for daily transactions - such as making online purchases or buying groceries.

Speedy Cash is the exclusive provider of Opt+®Prepaid Debit Cards.
Get your card at a Speedy Cash location today!

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How Do Opt+ Debit Cards Work?

1. Visit a Speedy Cash
Location

2. Choose the Card that
Works for You

3. Load Money onto
Your Card

4. Use Your Card Anywhere
Visa® is Accepted

5. Track Your Spending

Choose Your Card

Opt+ offers three different card options, so you can choose the card that fits your wallet.

Direct Deposit Card

Direct Deposit Card

The direct deposit card gives you quick access to your paycheck and offers free PIN and signature purchases for a basic monthly fee of $5.95. Plus, your monthly fee will be waived if you have direct deposits exceeding $1,000 monthly. If your employer or benefits office offers direct deposit, and you plan to use your card several times within the month, this is good option for you.

Monthly Card

Monthly Card

With a monthly fee of $8.95, this option also offers free signature purchases and PIN purchases. If you plan to use your card more than 4 times on a monthly basis but don't have direct deposit, then this is the best card for you!

Pay as You Go Car

Pay as You Go Card

With the Pay As You Go card, you will only have to pay when you use your card. By default, if you are a new Opt+ cardholder, then you will automatically be enrolled in the Pay As You Go plan when you're first issued your card. If you only plan to use your card less than 4-8 times per month, then this is the card for you!

Try an Opt+® Visa® Prepaid Debit Card Today!

Have more questions?

Visit our FAQ page.

Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Same day funding only available for Opt+ cardholders and in-store pickup. Minimum age to apply in Alabama is 19. A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Customers with credit difficulties should seek consumer credit counseling.

NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.

In Texas, Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.

In Ohio, SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.

CA: Licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.

New Mexico: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website http://www.rld.state.nm.us/financialinstitutions/.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.

Opt+: This card is issued by Axiom Bank or Metropolitan Commercial Bank, Member FDIC, pursuant to a license from Visa. Visa is a registered trademark of Visa USA Inc. All trademarks and service marks are property of their respective owners. ATM: Free withdrawals at any Speedy Cash or Rapid Cash location. Transaction fees will apply for all other ATMs. No charge loads/unloads at Speedy Cash and Rapid Cash locations only.

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