Get paid on the day you need it.

The Netspend® Earned Wage Access program is only available to certain employees of employers that have entered into an agreement with Netspend Corporation for the provision of the program (each, an "Employer Agreement"). The availability of the program and the use of the program by any employee is subject to the Employer Agreement and the Terms of Service of the program.

Download the Netspend Earned Wage Access App[1] and access your finances from the palm of your hand.

The Netspend® Earned Wage Access program is only available to certain employees of employers that have entered into an agreement with Netspend Corporation for the provision of the program (each, an "Employer Agreement"). The availability of the program and the use of the program by any employee is subject to the Employer Agreement and the Terms of Service of the program.

Make Payday work for you with the Netspend Earned Wage Access App.[1]

  • Access some of your earned wages before payday
  • Get funds as soon as the next day without fees by transferring to a Skylight ONE® Visa® Prepaid card or Netspend Skylight® Account
  • Convenient options to transfer funds to a bank account, debit card or prepaid card.

Fees apply for expedited transfers to other accounts.  Please see terms for details.

The Netspend® Earned Wage Access program is only available to certain employees of employers that have entered into an agreement with Netspend Corporation for the provision of the program (each, an "Employer Agreement"). The availability of the program and the use of the program by any employee is subject to the Employer Agreement and the Terms of Service of the program.

How does it work?

Get early access to some of your paycheck before payday.

  • 1. Download the Netspend Earned Wage Access App[1]
  • 2. Create a login by providing your name, phone number and email address.  Select the name of your employer.
  • 3. When you are ready to access your wages, you’ll be prompted to add your debit card or bank account information.
  • 4. Transfer funds you need early.  The funds and the fee (if applied) will be taken out of your next paycheck.  You will get the rest of your pay on payday.

3 transfer options

Skylight ONE® Prepaid Card or a Netspend Skylight Account

Fee waived[2], expedited transfer

The Expedited Transfer fee is waived for customers with an eligible Skylight-branded payroll card or deposit account. See Terms of Service for full details.

Other Debit Card

Fees apply for expedited transfers to other accounts.  Please see Terms for details[2]

The Expedited Transfer fee is waived for customers with an eligible Skylight-branded payroll card or deposit account. See Terms of Service for full details.

ACH Bank Transfer

No cost, 2-5 business day

Plus get other great benefits

Have more control of when you get paid – Always know when you have funds available to transfer

Access your earned wages when you need them – The Netspend Eraned Wage Access App allows you to access a portion of what you’ve earned directly from your smartphone.

24/7 help – Have a question? We offer 24/7 access to customer service via chat.

Download the Netspend Earned Wage Access App1 to get started

Scan with your Smartphone.

Then follow the app’s instructions to get early access to a portion of your earned wages.

Click hyperlinked numbers above to view important disclosures.

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Click hyperlinked numbers above to view important disclosures.

The Netspend® Earned Wage Access program is only available to certain employees

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1. The Netspend® Earned Wage Access program is only available to certain employees of employers that have entered into an agreement with Netspend Corporation for the provision of the program (each, an "Employer Agreement"). The availability of the program and the use of the program by any employee is subject to the Employer Agreement and the Terms of Service of the program.

The Expedited Transfer fee is waived for customers

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2. The Expedited Transfer fee is waived for customers with an eligible Skylight-branded payroll card or deposit account. See Terms of Service for full details.

The Skylight ONE Visa Prepaid Card is issued by Republic Bank & Trust Company

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The Skylight ONE Visa Prepaid Card is issued by Republic Bank & Trust Company pursuant to a license from Visa U.S.A., Inc., and can be used everywhere Visa debit cards are accepted. The Skylight ONE Prepaid Mastercard is issued by Republic Bank & Trust Company pursuant to a license by Mastercard International Incorporated. Republic Bank & Trust Company, Member FDIC. Netspend is a registered agent of Republic Bank & Trust Company. The Skylight ONE Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Netspend® Skylight® is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC. Netspend is a service provider to Republic Bank & Trust Company. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Fees, terms and conditions apply. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

Apple and Apple logo are trademarks of Apple Inc

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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.

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© 2023 Netspend Corporation. All rights reserved worldwide. Netspend and Skylight are federally registered U.S. service marks of Netspend Corporation. All other trademarks and service marks belong to their owners.