VoltCash’s Platform enables any retailer to offer immediate prepaid debit bank account activation (instant bankarization) by providing consumers a “reloadable” prepaid debit card with instant cash or check funds availability (check cashing alternative). This provides retailers with the ability to “bankarize” consumers without the need for high setup costs, specialized tellers, a check cashing licence, check fraud management, compliance requirements, or data retention and reporting. Cardholders have the benefits of instant bankarization, meaning that they gain access to full financial services immediately at the retailer via a reloadable prepaid debit card. This enables them to reload funds via cash or check and immediately request cash back (check cashing alternative), participate in e-commerce and micro-lending, and use online and mobile banking.