Banking Built for You

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice.  Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Set up Direct Deposit and get paid up to 2 days early.[1] Enjoy Account features such as Payback Rewards,[2] Anytime Alerts,[3] and Mobile Banking.[3]

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice.  Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Direct Deposit

Enroll in Direct Deposit and receive your paycheck or government benefits up to 2 days earlier.[1]


Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Mobile Check Capture is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your account. See your Deposit Account Agreement for details.

Mobile Check Capture[4]

Add check funds to your Account anywhere you are with our Mobile App[3] and a few taps. Fast, convenient, and more time to spend your money.


No ATM-owner surcharge on ATM Cash Withdrawals conducted at any MoneyPass network ATMs. Visit your Online Account Center or www.moneypass.com to find a list of MoneyPass network ATMs. All other ATMs may apply a surcharge assessed by the institution that owns the terminal or network in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement. ATM Cash Withdrawal Fee is waived for the first withdrawal conducted at a MoneyPass Network ATM each calendar month. Waiver applies only to ATM Cash Withdrawal Fees and does not apply to any Balance Inquiry Fees assessed at MoneyPass network ATMs.

MoneyPass® ATMs

With your All-Access Account, get unlimited surcharge-free withdrawals at any MoneyPass ATM.[5]

Manage Your Money

Manage Your Money

Netspend is a Global Payments Company

Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to customers globally.


Netspend is a Global Payments Company

Global Payments is a leading worldwide provider of payment technology and software solutions delivering innovative services to customers globally.


Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Mobile Banking

Bank at home or on the go. Banking is right at your fingertips with our Mobile App.[3]


Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Anytime Alerts

Sign up for text alerts and track your spending activity.[3]


The Debit Card Overdraft Service is an optional service made available to eligible Netspend All-Access Account customers by MetaBank and Republic Bank & Trust Company. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at the number on the back of your card or log in to your Online Account Center for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

Optional Debit Card Overdraft Service

Our Overdraft Service[6] provides a 24 hour grace period. You can avoid an overdraft fee if you bring your Account to a positive available balance within 24 hours from the time of the first transaction that created the negative balance.


The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Account. Accountholder is responsible for repayment of any negative balance. To be eligible, Accountholder must have received qualifying Direct Deposits of paychecks and/or government benefits payments totaling at least $500.00 within one (1) calendar month. See the Deposit Account Agreement for details.

Purchase Cushion[7]

Caught short? Our Purchase Cushion may cover you up to $10 with a qualifying Direct Deposit. You can make it up the next time you add money to your account.

Forward-thinking Features

Forward-thinking Features

Manage Your Money

Manage Your Money

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

Earn Cash Back[2]

Earn cash back offers on qualifying purchases with Payback Rewards℠.


The optional Savings Account linked to your All-Access Account is made available to Accountholders through MetaBank, National Association, and Republic Bank & Trust Company, Members FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
  • If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of [DATE_SET_IN_GTM]. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the All-Access Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. Funds on deposit are FDIC insured through MetaBank, N.A., and Republic Bank & Trust Company. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank, N.A., and Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00, and insured by the FDIC.

Optional High Yield Savings Account

Transfer money between your All-Access Account and our High-Yield Savings Account[8] and earn up to 6.00% Annual Percentage Yield.


Visa's Zero Liability Policy does not apply to certain commercial card transactions, or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 

Get peace of mind

With our Zero Liability Policy,[9] your Account may be protected in the event of fraudulent charges.

Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice.  Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

Hit Payday Early.[1]

With All-Access you get paid up to 2 days earlier[1] with Direct Deposit