ABLE United

Prepaid Card


How It Works


Qualified Expenses


Opening an Account


Tax Benefits

Where can I use the ABLE Visa Prepaid Card?

The ABLE Visa Prepaid Card can be used everywhere Visa debit cards are accepted, online and in stores.

You may not use your ABLE Visa Prepaid Card for online gambling or illegal transactions. Please see the Cardholder Agreement for other limitations.  Similarly, the Account Administrator may put additional limitations on card activity using the True Link system.

If you believe your Visa Prepaid Card or any other access information has been lost or stolen, immediately call 1-888-219-9054.

How do I load the ABLE Visa Prepaid Card?

You can load money to your ABLE Visa Prepaid Card from your ABLE United savings or investment option account. You may not add funds to your card account from other sources such as credit cards, debit cards, other bank accounts, cash, or by sending personal checks, cashier’s checks, retailer load networks (e.g., Green-Dot, MoneyGram, Western Union, etc.) or money orders.

A maximum of 95% of your available ABLE Account balance can be transferred and loaded onto your ABLE Visa Prepaid Card, subject to the daily and monthly load card maximums. See your Cardholder Agreement for any additional limitations.

You can track your transaction activity and card balance via the True Link website. If your ABLE Visa Prepaid Card Account has a zero or negative balance for 4+ consecutive months, True Link may automatically close your account without advance notice.

How do I sign up for the ABLE Visa Prepaid Card?

To sign up for an ABLE Visa Prepaid Card, you must have a valid ABLE Account. Request a card by logging into your account and clicking the “Sign Up For a Prepaid Card” box on the lower right-hand corner of the Overview page or by clicking here.

What is the True Link ABLE Visa® Prepaid Card?

The True Link ABLE Visa Prepaid Card is a reloadable Visa Card that is connected to your ABLE Account. You can load money to your card using your ABLE United savings or investment option of your choice, and the card can be used everywhere Visa debit cards are accepted. Since it is not a credit card, there is no credit check to obtain the ABLE Visa Prepaid Card.

An ABLE Visa Prepaid Card can be issued for the Beneficiary and/or Account Administrator.  You can track your expenses online through True Link Financial, Inc. There is a $2.50 monthly fee associated with the card for ABLE United participants. This fee will be automatically debited from the card on a monthly basis. Additional terms and conditions do apply, please see the Cardholder Agreement.

For more information, visit the prepaid card page. You can enroll here or sign in to your Visa Prepaid Card account here.

If I withdraw the full balance and close my account, are the funds taxable?

The funds are not taxable if used for Qualified Disability Expenses. If withdrawals from the ABLE Account for the calendar year exceed the Qualified Disability Expenses, the earnings portion of the funds may be subject to income tax, plus a 10% penalty. Consult a tax professional for additional guidance.

Keep in mind that these funds may be considered an asset for federal means-tested programs, like Supplemental Security Income or Medicaid. Alternatively, you may rollover the funds to another ABLE account.

How do I make a gift contribution online?

To contribute online, first make sure the recipient has set up their gifting page. Then, use their gifting page link to fill out the form fields as directed — like your name, address, the amount you want to contribute, whether you want to pay by debit card or with a bank account, and the occasion for your generosity.

How will I know if I’ve received gifts?

When a gift contribution has processed, you’ll get an email letting you know someone contributed to your Account. All processed gift contributions will also appear in your activity feed. Please keep in mind, any gift contributions made through an online gifting page will not be available for withdrawal for 10 business days.

What happens if I no longer want to have an online gifting page for my Account?

No problem. You can delete the gifting page anytime you want, and the contributions that have previously been gifted (including pending contributions) will stay in your Account.

Just sign into your Account, go to your “Account overview” and click on the gifting module. Select “Edit this page” and then click “Delete this page.” Once you’ve deleted your gifting page you’ll be able to set up a gifting page again in the future if you want.

Once your gifting page, has been deleted, you’ll still be able to receive gift contributions by check, as long as you have not reached your annual contribution limit.