I just use the Visa to pay an online bill, like cell phone. That way I use the entire $40 bucks, or whatever the card is for.
Sometimes if I do have a balance of like $2.34 on a card I just submit a payment for the amount.
Also my bank cashes Visa and MasterCard gift card for the full amount free.
That's a great option if you selected a prepaid card already and don't have any other choice. I prefer to be able to deposit a check using my smartphone from the comfort of my home. It's Freezing in NY.