What is one characteristic of a funding load?

A funding load is specifically characterized by the process of adding money to a prepaid account. This can involve various methods, such as cash, bank transfers, or electronic transfers. The fundamental aspect of a funding load is that it increases the balance available for use on that prepaid account, enabling users to make subsequent purchases or transactions.

The other options do not accurately represent the characteristics of a funding load. For instance, the requirement of physical presence for transactions is not a standard characteristic of funding loads, as many can be done virtually. Similarly, limiting the process to credit card transactions or checks does not encompass the broad range of methods available for funding loads, which include various payment methods other than just these two.