It's more than just a way to get paid

A powerful tool to help you put your employees in control of their financial life.


Card use is subject to activation and ID verification.[1]

IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

The Skylight ONE® Card

A powerful paycard that can help employees meet their goals

The Skylight ONE® Visa® Prepaid Card or Skylight ONE Prepaid Mastercard® can help employees to control their financial well-being.

Direct Deposit

Employees receive their pay via direct deposit onto a paycard. That can mean no more waiting to cash checks and paying check-cashing fees.

Use Anywhere

They can use a paycard to shop online, in stores, or anywhere else that Visa debit or Debit Mastercard is accepted.

Add Money

Some programs allow employers to add cash or checks in person at 130,000+ convenient Reload Locations nationwide.[2]

Fee may be assessed by reload location and may vary from location to location. Ability to use this feature is subject to ID verification.

Convenient Access

Employees have methods to access 100% of their pay at no cost.

Get Paid Faster

Employees can get paid up to 2 days faster with Direct Deposit.[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.

Employees can better manage their money

No cost ways for employees to access their funds

Keeping money in employees’ pockets is important to us, and we provide many options for employees to access their funds.

Over-the-Counter Bank Withdrawals

Walk into any of the 122,000+ Visa or Mastercard member banks nationwide to speak with a teller to withdraw cash.

Skylight Checks

We provide checks that allow cardholders to walk into the bank that issues the check and withdraw 100% of the balance available in their accounts.[4]

Skylight Checks can be cashed at no cost at any branch location of the bank who issued the check (printed on the top of the check), at participating Walmart locations, and at participating ACE Cash Express locations. Other check cashers set their own policies regarding check acceptance and may charge you a fee to cash Skylight Checks. See the Skylight Checks for step-by-step instructions.

Plus, employees in some programs may also be able to make signature or PIN purchases, and many businesses offer the ability to receive cash back at point of sale during other transactions.

See your Cardholder Agreement and Fee Schedule for ATM network availability, applicable fees, and additional terms. If your program has one or more available ATM networks, you may find in-network ATMs using the Online Account Center ATM Finder. ATM Withdrawal Fee may apply and ATM-owner surcharge fees may apply at out-of-network ATMs.

ATM Access

Employees can withdraw cash from ATMs in the MoneyPass or Allpoint Networks all over the country.[5]

Money management tools

How cardholders can keep track of their money and plan for the future

Our industry-leading technology gives employees access and control.

Online Access

From any web browser, employees can log in to the Online Account Center to see their balance and manage their account.

Mobile App

Available on Apple or Android smartphones, the Mobile App lets employees manage their account from the palm of their hand.[6]

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

Apple and Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple, Inc.

Google Play and the Google Play logo are trademarks of Google LLC.


Budgeting Tools

Cardholders can create a plan and stick to it with simple budgeting tools.

Save for the future

Cardholders can put money aside for whatever comes their way

The Savings Account is made available to Cardholders through The Bancorp Bank, Pathward, N.A., and Republic Bank & Trust Company; Members FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.
  • If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of May 7, 2020. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through The Bancorp Bank, Pathward, N.A., and Republic Bank & Trust Company, Members FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank, Pathward, N.A., and Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00.

With an optional Savings Account, your employees can save money for school, a family vacation, or even a new car. 

  • Earn up to 5.00% Annual Percentage Yield (APY).[8]
  • No minimum balance required to open a savings account.

More powerful features

Beyond the basics, additional features to improve cardholders’ financial health

The Skylight ONE Card gives cardholders the ability to participate in the digital economy.

Anytime Alerts™

Employees can enroll to be notified of every transaction with email and text notifications when transactions occur.

Payback Rewards℠

Earn cashback on qualifying everyday purchases at select stores and restaurants all over the country.[9]

Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Republic Bank & Trust Company, Visa and Mastercard are not affiliated in any way with this program and does not endorse or sponsor this program.

Digital Wallet

A paycard can be used with Apple Pay®, Google Pay®, or Samsung Pay® for contactless payments and added security, subject to ID verification.[10]

Apple and Apple Pay are trademarks of Apple Inc. A list of compatible Apple Pay devices can be found here,

Google and Google Pay are trademarks of Google LLC.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Money Movement

Transfer money to another bank account, send money to another Skylight ONE Cardholder, or transfer funds with a mobile payment service.

Mobile Check Load

Checks can be loaded to the Skylight ONE Card using a smartphone camera and the Skylight ONE Mobile App.[11]

Mobile Check Load 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 card. Unapproved checks will not be funded to your card. 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 card. See your Cardholder Agreement for details. Mobile Check Capture service is not available for use within the state of New York.

Some features require the employee to complete ID verification and other eligibility requirements.

Paycard support

Our team is ready to help

If cardholders have questions they need answered or issues they need addressed, our dedicated Cardholder Services Team is available. In many cases, our automated system can help address cardholders’ needs in just a couple of minutes!

The Netspend Scholarship Foundation

Cardholders can apply for tuition assistance to attain their goals for the future

The Netspend Scholarship Program aims to provide access to education, skill-building, and resources to help our customers potentially increase their income and improve the quality of their lives.

Ready to partner with Netspend?