Xpectations!™ Visa® Prepaid Card

Xpectations!™ Visa® Prepaid Card

More convenient and affordable than a credit card!

Xpectations! Visa Prepaid Card, the exclusive prepaid debit card from PLS®, offers the convenience and security of a Visa card -- without the monthly bills or hidden fees. And there’s no traditional credit check required! You can apply for your Xpectations! Visa Prepaid Card at any PLS Check Cashers location.


To access your Xpectations! Visa Prepaid Card, click here.

Use your Xpectations! Visa Prepaid Card anywhere.

You can make purchases with your Xpectations! Visa Prepaid Card anywhere Visa is accepted--at department stores and shops, restaurants and grocery stores. You can shop online with your Xpectations! Visa Prepaid Card — or use it to pay bills online or over the phone. Your Xpectations! Visa Prepaid Card also allows you to withdraw cash from any Visa or PLUS® ATM.

Because your Xpectations! Visa Prepaid Card is paid for in advance, there are no monthly credit card bills. No excessive interest charges. No overdraft charges. No hidden fees.

Get access to your paycheck instantly.

With the Xpectations! Visa Prepaid Card, you can have your paycheck or government benefits deposited directly into your card account. Your funds are immediately available to make purchases, pay bills or withdraw cash from an ATM.

The Xpectations! Visa Prepaid Card can be a safe and convenient alternative to cash. Replacement cards are available if your card is lost or stolen.

No cost reloads!

Load funds into your Xpectations! Visa Prepaid Card account for no cost!*

Service whenever you need it.

Any time you have a question about your Xpectations! Visa Prepaid Card, or need service, you can stop in one of our PLS Check Cashers locations. Most are open 24/7, all are open early and late.

To access your Xpectations! Visa Prepaid Card, click here.

Here is a printable Direct Deposit application. You can print the application and then bring it to your employer to enroll in direct deposit on your Xpectations! Visa Prepaid Card.

Click here for English


Click here for Spanish


Click below for the Xpectations! Visa Prepaid Card Fee Chart:


Click here for English


Click here for Spanish


For the PLS Check Cashers near you, call 855-85-MY PLS (855-856-9757) or click here.

*There is no charge for reloads at most PLS Check Cashers locations. Additional fees apply to your use of the card. To view these fees, visit a store for details or visit consumercardaccess.com/ myplscard. Individual retailers other than PLS Check Cashers locations may also charge fees.

The Xpectations! Visa Prepaid Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted. The Bancorp Bank; Member FDIC. Visa is a registered trademark of Visa U.S.A. Inc.

PLS Financial Services, Inc. is an Independent Sales Organization (“ISO”) pursuant to an agreement with The Bancorp Bank.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

©2012. Xpectations! is a trademark of American Financial Integrity, Inc. Other trademarks, service marks and registered marks are the properties of their respective owners.

Enroll in Direct Deposit