data point
Wife bought a visa variable load card for $500 from walmart ...even had walmart logo and happy birthday on the front. It said on a small round sticker on the front "your PIN is the last 4 digits of the card...no atm access, no cash back" used it a few days later with some other grocery store US bank visa cards that I called in and set PINS for...all loaded with no problem (or fee) at walmart customer service desk.