A debit card that an individual or a company loads with funds in advance of use. It’s also called a reloadable debit card or a reloadable prepaid card. Interest isn’t charged, but users pay an up-front fee to load and reload the card and a monthly maintenance fee to keep the card open. Companies that do a lot of business abroad sometimes use them to make international payments without the delays and extra fees associated with bank transfers. To reload the cards, you buy a pack at a retail store with cash and complete the reloading process by phone or online. You can also set up a system to reload the card via direct deposit, saving the fee.