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Prepaid Card

Here’s a great way to make purchases and get cash anywhere Visa® is accepted. You won’t have to worry about overdraft fees or credit card interest rates because you can’t overspend the card balance. It’s easy to manage your money and track your transactions. Plus, you can personalize your card and reload it. Think of it as a safe and convenient alternative to carrying cash.

I work hard for my money and like knowing I have no risk of overdraft fees.

Apply for a Prepaid Card today.
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  • Features & Benefits

    Fast access to money. Card-carrying convenience. Acceptance across the country and around the world. Now you know why the ESL Visa® Prepaid Card is a great way to carry money without carrying cash.

    • Use it around the world. With the ESL Visa Prepaid Card, you can make purchases and ATM withdrawals anywhere Visa is accepted.
    • Eliminate worries about overdraft fees and interest charges. If there’s not enough money available on your card, you won’t be able to make that purchase or withdrawal.
    • Access up to $2,500 per day, depending on your balance. You can also make ATM withdrawals or purchases with your PIN up to $600 per day, depending on your balance.
    • Rest easy with the Visa Zero Liability Policy.* Lock in protection from fraudulent use with help from Visa.
    • Share your balance. Get up to three additional personalized cards so others can access the available card balance. (Please remember that the maximum balance is $10,000.)
    • Manage your money easily by phone or online. Track your transactions and card balance simply by calling 866.760.3156. You can also manage your money online at Access My Account.
    • Reload your card whenever you want. Just visit any ESL branch, use Direct Deposit, visit Access My Account online, or call 866.760.3156.

    Those are just some of the reasons why more and more ESL members are taking advantage of the convenience, worldwide acceptance, and safety of ESL Prepaid Visa Cards.

    *Visa Zero Liability policy does not apply to ATM transactions or to PIN transactions not processed by Visa.

  • Specifics

    Eligibility requirements

    To purchase an ESL Visa® Prepaid Card at any ESL branch you must be:

    • An ESL member or Cash Services Customer in good standing
    • A citizen or resident of the U.S. with a valid Social Security Number
    • At least 13 years old

    Purchase options

    Both personalized and non-personalized prepaid cards are available:

    • You will receive your personalized card within 10 business days from the date of purchase.
    • Non-personalized cards are available right away when you purchase them at any ESL branch.

    It’s easy to activate your card and get your PIN

    • Go online or call 866.760.3156 to activate your card and choose your PIN in a few simple steps.
    • You can also call 866.760.3156 to change your PIN at any time.

    Make purchases ... and get fast access to cash

    • Make purchases anywhere Visa is accepted. (Purchases are deducted from the pre-loaded balance on your card.)
    • Make purchases up to $2,500 per day or up to the available card balance, whichever is less.
    • Make ATM withdrawals or purchases with your PIN up to $600 per day or the available card balance, whichever is less. (PIN is not required to make purchases.)

    Check your balances … just like that

    • Call 866.760.3156 and follow the simple instructions.
    • Visit Access My Account online.

    Report a lost card or dispute a transaction 

    • Call 866.760.3156 and follow the step-by-step instructions.
  • Fees

    ESL Visa Prepaid Card Fees

    Fee Type
    Fee TypeCard Fee
    DescriptionFee to purchase the card
    Fee TypeAdditional Card Fee
    DescriptionGet another card that will access the funds loaded onto the primary card
    Fee TypeReload Fee
    DescriptionFee to add money to the card
    Reloading funds to your prepaid card is free when you have direct deposit.View prepaid card information
    FeeFree with direct deposit, or $3.00 per load
    Fee TypeMonthly Maintenance Fee
    DescriptionCharged once per month
    Fee$3.00 per card
    Fee TypeCard Replacement Fee
    DescriptionRequest a new card to replace an existing card
    Fee$12.00 per card
    Fee TypeRush Delivery Fee
    DescriptionExpedite receiving a replacement card
    Fee$15.00 per card
    Fee TypeInternational Service Assessment Fee
    DescriptionYou make a purchase in a foreign country (in person or online)
    Fee1% of the transaction amount

    Fees may change. 


  • Purchase a Card

    It’s easy to purchase an ESL Visa® Prepaid Card:

    Safer than cash … Same convenience as a credit … Plus, worldwide Visa acceptance. 

    Those are just some of the reasons why it makes sense to purchase an ESL Visa Prepaid Card today.