NETSPEND PREMIER

Get A FREE Upgrade To NetSpend Premier®

Our best level of exclusive features
NetSpend Premier Prepaid Debit Card
Black NetSpend Premier Card

How Do I Qualify For An Upgrade To NetSpend Premier®

Qualifying is easy. Just set up free direct deposit and make a total of $500 in Direct Deposits during one calendar month. Then, we'll automatically upgrade you to a NetSpend Premier card.

Learn how to sign up for Direct Deposit.

The NetSpend Premier Prepaid Debit Card offers our best level of services to our cardholders.

Pay Lower Fees with NetSpend Premier

Pay lower Fees

With an upgrade to the NetSpend Premier® Prepaid Debit Card, you can make unlimited purchase transactions for just $5 per month when you enroll in the Fee Advantage Plan.1

That's a 50% savings over our basic Fee AdvantageTM plan!

Get a Purchase Cushion with NetSpend Premier

A Purchase Cushion

With a NetSpend Premier® Prepaid Debit Card account, you get up to a $10 purchase cushion in case you're ever caught short.2
Get a NetSpend Savings Account

Get a Great Return with a NetSpend Savings Account

Saving money is always a challenge, especially in a tough economy. That's why we created the NetSpend National Savings account with NO minimum deposit requirement, and it pays depositors one of the highest interest rates in the country.
  • No minimum balance or deposit requirements
  • A 5.00% Annual Percentage Yield (APY)3
  • FDIC-insured

Putting even just a few dollars away each pay period can add up quickly and help you build a nest egg.

NetSpend Life Benefits

NetSpend Life Benefits

As a NetSpend Premier® cardholder, we provide you with a no-cost feature that's designed to let you rest a little easier. With NetSpend Life Benefits, you and your family can be better protected from the unexpected.4

In the event of a covered accidental injury or death, the cardholder and/or the cardholder's beneficiary will be eligible to receive a monthly benefit for up to twelve consecutive months, based on the amount direct deposited to the card (up to $8,000) during the preceding 35-day period. Terms apply.

Coverage is not automatic. Only cardholders who reside in states where this benefit is available may enroll in the program.

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1 ATM transactions are not included in the Pay-As-You-Go or FeeAdvantageTM Plans. Enrollment in the FeeAdvantage fee plan is optional. If enrollment in the FeeAdvantage Plan is declined, the cardholder is automatically enrolled in the Pay-As-You-Go Plan; this means the cardholder pays an individual fee for each transaction made with the card account. See the Cardholder Agreement for details.

2 The $10 Purchase Cushion is not an extension of credit. The $10 Purchase Cushion for NetSpend Premier® cardholders is a non-contractual courtesy exercised in our sole discretion, by which we may approve transactions that the cardholder requests from time to time that create up to a $10.00 negative balance on the card account. A cardholder may receive only one $10.00 negative balance allowance at a time. The cardholder is responsible for repayment of any negative balance created through use of the card account. See the Cardholder Agreement for more information.

3 The Savings Account is made available to Cardholders through BofI Federal Bank, The Bancorp Bank, and MetaBank®; 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 $5,000.00 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 $5,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $5,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%.

The APY for this tier will range from 5.00% to 0.72%, depending on the balance in the account. The interest rates and APYs of each tier may change. The APYs were accurate as of . 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 BofI Federal Bank, The Bancorp Bank, and MetaBank, Members FDIC upon verification of Cardholder's identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at BofI Federal Bank, The Bancorp Bank, and MetaBank will be aggregated up to the coverage limit, currently $250,000.00.

4 Coverage is not automatic. Only cardholders enrolled in the direct deposit service and residing in a state where this benefit is available may enroll in the program. In the event of a covered accidental injury or death, the cardholder and/or the cardholder's beneficiary are eligible to receive a monthly benefit for up to twelve consecutive months that's based on the amount direct deposited to the card (up to $8,000) during the preceding 35-day period. Terms apply.

The NetSpend Visa Prepaid Card is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by MasterCard International Incorporated. The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. NetSpend, a TSYS® Company, is a registered agent of The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company. The NetSpend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The NetSpend 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 funds availability and ID verification. Transaction fees, terms and conditions apply to the use and reloading of the Card Account. See Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2015 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.