Are prepaid cards linked to your bank account?

• A. Prepaid cards are often linked to your bank account.
• B. Prepaid cards are not linked to your bank account.
• C. Prepaid cards replace bank accounts.
• D. Prepaid cards always require a loan to open.

Answer: (B)

Prepaid cards operate on a separate, loadable balance rather than being your actual bank account. You fund the card with cash, a check, or a transfer, and you can only spend what you’ve loaded. While some prepaid programs offer optional features to link the card to a bank account for easier reloads or direct deposits, the card itself isn’t automatically or inherently tied to your bank account. It doesn’t replace a checking or savings account, and opening one doesn’t require taking out a loan.