NETSPEND PREMIER

Get A FREE Upgrade To NetSpend Premier®

Our best level of exclusive features

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 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!

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 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

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 NetSpend Savings Account (the "Savings Account") is made available to NetSpend Cardholders through MetaBank™, BofI Federal Bank and The Bancorp Bank, Members FDIC. A Savings Account will NOT be opened for a Cardholder who is (a) subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, or (b) fails to provide us with BOTH a valid email address and consent to receive Electronic Communications so that we may provide legally required notices and correspondence.

EFFECTIVE APRIL 1, 2013, THE SAVINGS ACCOUNT WILL FEATURE A TIERED VARIABLE INTEREST RATE. THIS MEANS THE INTEREST RATE WILL BE 4.91% WITH AN ANNUAL PERCENTAGE YIELD OF 5.00% FOR BALANCES UP TO, BUT NOT EXCEEDING $5,000.00, & FOR THAT PORTION OF THE BALANCE THAT IS $5,000.01, OR MORE, THE INTEREST RATE WILL BE 0.49% WITH AN ANNUAL PERCENTAGE YIELD OF 0.50%. THE INTEREST RATES AND ANNUAL PERCENTAGE YIELDS ARE PROMOTIONAL RATES AND MAY CHANGE PURSUANT TO APPLICABLE LAW. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly. No minimum balance necessary to open Savings Account or obtain the yield. Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured up to the current limit upon verification of Cardholder's identity. Coverage limit is subject to aggregation with any other of Cardholder's funds held on deposit at MetaBank, BofI Federal Bank and The Bancorp Bank.

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.

NetSpend Visa Prepaid Debit Cards and NetSpend Prepaid Debit MasterCard cards are issued by The Bancorp Bank, BofI Federal Bank and MetaBank™, Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted, and pursuant to license by MasterCard International Incorporated, respectively. Please see back of your card for its issuing bank. Cards ordered through this site are issued by MetaBank. NetSpend is an authorized Independent Sales Organization of The Bancorp Bank, BofI Federal Bank and MetaBank, respectively. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. NetSpend, NetSpend Premier, Anytime Alerts, Pay-As-You-Go, and FeeAdvantage are service marks of NetSpend Corporation.

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

© 2014 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.