The True Link
Visa® Prepaid Card

A tool to help caregivers protect the finances of an older adult. Send money, block merchants, track purchases, get alerts, and more.

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One account, two experiences.

The True Link Visa Card Admins and Cardholders have unique options and log-ins.

Help protect spending

Set spending rules for how the Visa card can be used

  • Over 50 categories to block or allow

  • Manage cash and ATM access

  • Update settings at any time

  • Make exceptions for frequented merchants

  • Help protect spending and give you peace of mind

Access your account on the go

A mobile app for Card Admins and Cardholders

  • Card Admins can fund the Visa card on the go, block transactions in real-time, and track when, where and how funds are being used.

  • Cardholders can only check their balance, view transaction history (as well as declined explanations in real-time), and review upcoming transfers.

Learn how Leslie helped her aging mother

Leslie, a True Link customer, shares how the True Link Visa card helps her aging mother with dementia have the financial independence to live her best life.

Trustpilot

Help protect your loved one’s spending with the True Link Visa Prepaid Card

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Frequently Asked Questions

Full featured True Link Visa Prepaid Card $12/month.* True Link’s Spending Monitor allows the card administrator to customize spending settings on purchases uniquely to allow or block categories of spending like “Allow Pharmacies” or “Block Cash”. Clients have access to dedicated customer support for both cardholders and card administrators. As well as access to experienced and empathetic professionals who are ready to help whenever needed.

It depends. You can choose to block or allow withdrawals at ATMs based on the needs of the cardholder.

You can also block access to cash in a variety of ways including: blocking withdrawals inside a bank (i.e., getting cash from a teller at a bank) and, blocking cash-back at time of purchase.

True Link Financial, Inc. is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. All True Link Visa Cards are protected from fraud under Visa's Zero Liability Policy1 and Regulation E, so customers have recourse if they do experience fraud on their cards and report that to our team.

If a True Link Visa Card has been lost or stolen, you can immediately disable the Visa card to prevent additional transactions and protect against fraud. If the Visa card needs to be replaced, you can close the account and order a replacement. All of this can be done online, via our 24/7 automated phone system (1-866-984-8576), or by speaking with a Customer Support representative at (1-866-984-8576) during standard business hours. Once the new Visa card arrives and is activated, any funds remaining on the lost Visa card will be automatically transferred to the new Visa card.

True Link Visa® Prepaid Card

Protect Spending, Preserve Independence.

True Link helps families and professionals protect the finances of vulnerable older adults in their care. You manage how the Visa Card can be used, enabling loved ones and clients to make purchases on their own.

  • Block or allow certain transactions
  • Control cash and ATM access
  • Set spending limits
  • Reload funds as needed
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Approved · Grocery store

$46.12 · Just now

Blocked · Over-the-phone payment

$500.00 · Stopped by your rules

250,000+

families served

97%

would recommend True Link*

$175M+

in fraud prevented each year

Forbes

Fintech 50 honoree

How it works

One account, two experiences.

The True Link Visa Card Admins and Cardholders have unique options and logins.

  • You, the Card Admin

    You manage the Visa card

    Load funds, schedule transfers, set spending settings, and monitor transactions via alerts and reports.

  • Older adult, the Cardholder

    Loved ones and clients spend as allowed

    Does not have access to change settings or manage funds. Uses the mobile app to check card balance and view transactions.

Why choose True Link

Provide spending guardrails while helping preserve dignity

True Link helps those with complex needs protect their finances and maintain their independence, with unique tools that help safeguard against fraud, scams, and risky purchases.

ScamWatch powered by Retina

True Link’s Retina technology continuously scans the web to block scammers and potentially predatory merchants like impossible-to-cancel subscriptions.

Customizable spending settings

Stop purchases across 50+ spending categories such as online or over-the-phone, or gambling and casinos. Change settings any time and allow exceptions.

Real-time alerts and notifications

Stay informed about cardholder spending habits or low card balance. Add multiple family members or trustees as needed.

Cash and ATMs

In-network access at Allpoint Network ATMs at locations like CVS, Target. Choose to block or allow ATM withdrawals and other access to cash (i.e. cash-back at time of purchase).

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You won’t be charged until activation, and you can cancel at any time.

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Compare your options

More control than a joint account or shared debit card

True Link Visa Prepaid Card Joint bank account Standard debit or credit card
What the older adult can spend Only what you load to the card, where settings allow Typically the full balance Full balance or credit line
Transaction blocking 50+ categories, plus specific merchants No No
ATM and cash access controls Yes, set by card admin Usually bank-set daily limits Usually bank-set daily limits
Real-time purchase alerts Yes, sent to card admin Varies by bank Yes
Mobile app purchase approval and blocking Yes, real time for the card admin No No
Detailed spending reports Yes No No
Specialized customer support for older adults Yes No No
True Link Visa Prepaid Card
Joint bank account
Standard debit or credit card
What the older adult can spend
Only what you load to the card, where settings allow
Typically the full balance
Full balance or credit line
Transaction blocking
50+ categories, plus specific merchants
No
No
ATM and cash access controls
Yes, set by card admin
Usually bank-set daily limits
Usually bank-set daily limits
Real-time purchase alerts
Yes, sent to card admin
Varies by bank
Yes
Mobile app purchase approval and blocking
Yes, real time for the card admin
No
No
Detailed spending reports
Yes
No
No
Specialized customer support for older adults
Yes
No
No

A family's story

Independence for an aging mother after a dementia diagnosis

Leslie, a True Link customer, shares how the True Link Visa card helps her aging mother with dementia have the financial independence to live her best life.

True Link was founded in 2011 to help make life better for our own loved ones, and we are proud to serve vulnerable older adults, people with disabilities, and people in recovery – day in and day out.

Getting started is easy

1

Sign up and order the Visa card

Create your account. Once your information is reviewed and approved, we’ll mail the Visa card.

2

Choose where the Visa card works

Pick categories and merchants, decide on cash access, and turn on the alerts you want.

3

Add funds and activate

Load money once or schedule recurring transfers. Your loved one or client uses it wherever Visa debit is accepted.

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Frequently asked questions

Will my loved one or client still have independence?

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Yes. Your loved one or client spends with their card wherever permitted in the spending settings. If a purchase is declined, the True Link app shows them why in real time, and you can relax rules as needs change.

How hard is setup, and does my loved one or client need to do anything?

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Getting started takes just a few steps and you handle most of it from your Card Admin account. You order the Visa card and once approved, choose its spending settings. Your loved one or client then uses it like any other Visa card.

Is the True Link Visa card FDIC insured?

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True Link Financial, Inc. is a financial technology company and not a bank. Banking services are provided by Sunrise Banks N.A. Your funds are FDIC insured up to $250,000 through Sunrise Banks, N.A., Member FDIC. All True Link Visa Cards are protected from fraud under Visa's Zero Liability Policy¹ and Regulation E, so customers have recourse if they do experience fraud on their cards and report that to our team.

Can I block ATM withdrawals and cash back?

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Yes. You can allow or block ATM withdrawals and cash back at checkout, and change these settings any time as needs change.

What spending categories can I block?

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You can allow or block more than 50 spending categories. You can also allow or block specific merchants, online purchases, ATM access, and cash back, and set transaction limits.

Where can the True Link Visa card be used?

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Wherever Visa debit cards are accepted, within the spending settings you set. Your loved one or client can use it in stores, and online too if you allow online purchases.

Can a maximum monthly budget be set for a True Link Visa card?

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Yes, because the True Link Visa Card is a prepaid card, this means that purchases can only be made using money that has been added to the account. Additionally, many card administrators help their cardholders stay on a budget by scheduling recurring daily, weekly, or monthly transfers. This way cardholders receive funds when they need them without spending beyond their means.

What happens if the card is lost or stolen?

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If a True Link Visa Card has been lost or stolen, you can immediately disable the Visa card to prevent additional transactions and help protect against fraud. If the Visa card needs to be replaced, you can close the account and order a replacement. All of this can be done online, via our 24/7 automated phone system (1-800-299-7646), or by speaking with a Customer Support representative at (1-800-299-7646) during standard business hours. Once the new Visa card arrives and is activated, any funds remaining on the lost Visa card will be automatically transferred to the new Visa card.

Get the Free Guide

3 Key Questions to Ask When Managing the Finances of an Aging Loved One

Get the guide

Independence for them, peace of mind for you

For a $12 monthly fee**, get peace of mind with the True Link Visa Card and Spending Settings. You won’t be charged until activation, and you can cancel at any time.

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Hi! 👋. Would you like a free guide with more information about managing the finances of an aging loved one?

True Link Financial

Hi! 👋. Would you like a free guide with more information about managing the finances of an aging loved one?

Yes, I would like a free guide

Yes, I would like a free guide

Please click this link to access our free guide, "3 Key Questions to Ask When Managing the Finances of an Aging Loved One."

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Submit a question via a contact us form

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Great! You can submit a question by clicking this link. We will respond within 24 hours. You can also call our support line at 1-844-904-6515.