Frequently Asked Questions
We created a list of frequently asked questions to help explain features and benefits of the All-Access Account.
Of course, if you still have a question, please contact us.
It's a bank account built with you mind. There's no credit check and no minimum balance to open an account.* Best of all, you get access to online banking, paydays up to 2 days earlier1 with Direct Deposit, optional high-yield Savings Account2 and many more features.
There is no cost to open an account but there are fees associated with features and account usage.
When your account materials arrive you will need to activate the debit card. Follow the printed activation and identity veriﬁcation steps that are on the materials that arrive with your debit card.
They should arrive approximately 7 to 10 business days after you place your order. If you do not receive your account materials within 10 business days, call Customer Service.
Choose from several ways to add money:
Direct Deposit. Direct Deposit is a convenient and no-cost way to add your paycheck or government beneﬁts to your account. Plus you'll get paid up to 2 days earlier!1
Netspend Network Retail Locations. There are more than 130,000 convenient locations in the U.S. where you can add money to your account.4 Our Retail locator helps you ﬁnd locations nearest to you.
Bank Transfers. Add money from most U.S.-issued bank accounts.5 If you have a checking or savings account, use it to add money to your All-Access Account.
Transfer Money Between Netspend Accounts. Transfer money from one Netspend account to another.5
Tax Refunds. You may electronically deposit your tax refund to your All-Access Account.
Using this link, ﬁnd the Netspend Network retail location nearest to you.4
When you have your tax refund directly deposited to your account, you don't have to wait for a paper check. Bring your Routing Number and Account Number to your tax preparer, or if you're ﬁlling out your own taxes, indicate them in the designated sections.
Netspend gives you access to your paycheck or government beneﬁts up to 2 days earlier¹ than your usual payday. Please note, your account must be active and in good standing in order for electronic direct deposits to be credited to your account.
We want to make enrolling in Direct Deposit as painless as possible, regardless of where the deposit is coming from.
- Paychecks. All or part of your paycheck can be direct deposited to your Account. You will need to provide your employer a bank routing number (sometimes referred to as the 'ABA Routing Number') and your account number.
- Government Beneﬁts. Your government beneﬁts, including Social Security, SSI, SSDI, or VA compensation, can be direct deposited. Check your beneﬁt provider's site for enrollment instructions. Existing accountholders can log in to the Online Account Center to learn more.
- Tax Refunds. Get your Federal and State tax refunds faster⁶ than you would by mail. Just have them electronically deposited directly into your All-Access Account.
Using Your Account
Your All-Access Debit Card can be used anywhere Debit Mastercard or Visa debit cards are accepted – online, in stores, and over the phone.
To check your balance for no fee, log in to your Online Account Center, where you can see your balance, your deposits and transaction history. Or, sign up for Anytime AlertsTM to receive a text message7 including your account balance, after every transaction. Call the number on the back of your card and obtain your balance through the telephone automated service. If you speak to a customer service representative, a fee is assessed.
You can transfer money to another Netspend account online for no fee.5
No. Loans or payday advance loans are not available from Netspend. However, you can deposit loan proceeds from other companies into your All-Access Account.