1. A method of utilizing prepaid financial accounts, the method comprising: receiving a first prepaid financial account from an issuer having a first account number, wherein the first prepaid financial account is associated with a consumer profile and wherein the first prepaid financial account is associated with trigger criteria preset by the issuer; conducting, electronically on a processor, financial transactions on the first account, wherein the issuer monitors account activity, including the financial transactions conducted on the first prepaid financial account, to determine that the trigger criteria is met; automatically receiving a second prepaid financial account from the issuer based on the trigger criteria being met by the account activity of the first account including the financial transactions conducted on the first prepaid financial account, wherein the second prepaid financial account has a second account number different than the first account number, and is associated with the consumer profile, and wherein the second prepaid financial account possesses upgraded account features; and conducting, electronically on the processor, financial transactions on the second prepaid financial account utilizing the upgraded account features using a new portable consumer device associated with the second prepaid financial account.