How it works

excella is not a credit card; it is a reloadable prepaid card. With excella, you have total control of your money because you only spend the money you load onto the card.

excella is your own personal account. It's similar to a traditional bank account, but without a minimum balance requirement or overdraft fees. excella simply provides a fast, easy way to manage your money.

Best of all, no credit checks1 are required to get your excella Card. And, your card is protected by the Visa Zero Liability policy2. If your card is ever lost or stolen, you are not responsible for any unauthorized transactions, as long as you notify us promptly.

Loading your card is easy. There are thousands of reload centers across the US.

Use excella for everyday purchases at stores, online shopping, bill payments...everywhere Visa debit cards are accepted.

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excella has one of the lowest costs of ownership of any prepaid card. excella has one of the lowest costs of ownership of any prepaid card.