DIRECT DEPOSIT

The easy and free way to add money to your NetSpend Prepaid Debit Card.

The Power of Direct Deposit

Deposit money to your account without the hassles of paper checks. With free Direct Deposit, funds are added electronically by your employer or the government.
  • Get Paid Up to 2 Days Faster2

    Your money is available as soon as it is deposited to your card account. There's no waiting for a check to clear. Sign up for Anytime AlertsTM, you'll know the instant your money is available.

  • It's Safe and Convenient

    Since your money is deposited electronically, there's no risk of a check getting lost or stolen. Plus, no need to visit the bank or wait in line.

  • Direct Deposit is a Free1 Service

    There is no fee to enroll or receive a payment through direct deposit.

  • You're in Control of Your Money

    You control how much of each check is deposited - all or just a portion.

We Won't Hold Your Money!

NetSpend gives you access to your money as soon as the funds are electronically deposited to your card account - that's up to 2 days faster than receiving a paper check by mail.2

How It Works

Setting up Direct Deposit is easy, no matter where the deposit is coming from.
  • Paychecks

    All or part of your paycheck can be directly deposited to your card account. Existing cardholders can log in to the online Account Center to print out a direct deposit form. Fill it out and give it to your employer. The form will include both a bank routing number (sometimes referred to as the 'ABA Routing Number') and your card account number.

    Your employer is responsible for making your paycheck available on your payday. NetSpend makes those funds available to you as soon as we receive them.

  • Government Benefits Checks

    The NetSpend BenefitsExpress feature makes it easy to set up Direct Deposit of government benefits like Social Security, SSI, SSDI or VA compensation. To enroll, cardholders can log in to the secure online Account Center, or call the Customer Service toll-free number printed on the back of the card.

  • Tax Refunds

    Do you want to get your Federal and State tax refunds faster than by mail? Just have them deposited electronically directly into your NetSpend card account

  • Direct Deposit is available for a number of other payment types including:

    • Railroad Retirement Benefits (RRB)
    • Defense Finance and Accounting Service Payments (DFAS)
    • State unemployment benefits (Varies by state)

How Long Will It Take To Set Up Direct Deposit?

Direct deposit and faster direct deposit capability is subject to payor's support of the feature and timing of payor's funding.

It can take between 1 and 2 pay periods for Direct Deposit to begin. Ask your employer for more information.


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FDIC MasterCard VISA Click for the Business Review of prepaid debit card provider, NetSpend Corporation.

1) NetSpend does not charge a fee for the direct deposit service; however, transaction fees and other costs, terms, and conditions are associated with the use of this Card. See the Cardholder Agreement ("Agreement") for complete details.

2) The card account must be active (that is, a purchase, load, or cash withdrawal has occurred, or a balance inquiry fee was incurred over a 90-day period) and in good standing in order for electronic direct deposits to be credited. Processing of a direct deposit requires that the name associated with the direct deposit be the same as the name associated with the card account. Card load limits apply. Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit.

NetSpend Visa Prepaid Debit Cards are issued by The Bancorp Bank and MetaBank, Members FDIC, each pursuant to license from Visa U.S.A. Inc. NetSpend Prepaid Debit MasterCard is issued by The Bancorp Bank and MetaBank, Members FDIC, each pursuant to license by MasterCard International Incorporated. Please see the back of your card for its issuing bank. NetSpend is an authorized Independent Sales Organization of The Bancorp Bank and MetaBank. Use of card subject to funds availability.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

All other trademarks and service marks belong to their respective owners.

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