Hello Dawn and welcome to the Disney Parks Moms Panel!
MagicBands are wonderful little pieces of technology. While they can connect to many aspects of a Disney vacation (room entry, theme park tickets, special event tickets, dining plan entitlements, etc.) they cannot connect to a source of payment unless you are staying at a Walt Disney World Resort Hotel. Even when staying on-sight, gift cards can't be directly linked to a MagicBand.
I would recommend picking up a Disney Gift Card at the
Epcot International Food & Wine Festival.
In the past, Guests were able to get clever Festival oriented gift cards that included a wrist band or lanyard. These additions make enjoying all of the fabulous flavors at the Festival easy.
I hope this helps with your planning. If you have more questions, come on back to the Disney Parks Moms Panel- we love to help!
See ya real soon,
Anne