True Link VS DeckCipher

• Spending Control
  True Link prepaid cards offer customizable spending controls that allow caregivers to set limits on how much money can be spent and where it can be used, helping to manage finances for those who may find it challenging.
• Fraud Protection
  The card includes protection against fraud, unauthorized transactions, and scams, providing peace of mind for cardholders and their families.
• No Credit Check Required
  True Link does not require a credit check to issue a card, making it accessible to those who may not have a strong credit history.
• Convenience
  Widely accepted anywhere Visa debit cards are accepted, the True Link card offers flexibility and ease of use for everyday purchases.

Possible disadvantages

• Fees
  True Link cards have various fees including monthly maintenance fees, which could add up over time depending on how the card is used.
• Limited Cash Access
  The card may not be the best option for those who frequently need cash, as access to cash through ATMs could be limited or come with higher fees.
• Potential Misuse by Caregivers
  While the card provides financial control, there may be risks if a caregiver misuses their authority, though these risks are somewhat mitigated with fraud protection features.
• Not a Credit Building Tool
  Since it's a prepaid card and not a credit card, usage of the True Link card does not contribute to building or improving the cardholder's credit score.

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Introducing the True Link Card for special needs trust beneficiaries

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