WHAT IT COSTS

Pay no interest charges or late fees!

We've created three great plans, targeted to the way you use your card, with no surprises.

Please note: These fees apply to new NetSpend Prepaid Debit Cards requested through this Web site. The fees associated with other cards currently used by our cardholders may be different. To see the fees associated with your card account, log in to the online Account Center.


Three Purchase Plan Options:

Pay-As-You-GoSM Plan1

FeeAdvantageTM Plan

NetSpend Premier® FeeAdvantageTM Plan2

Cost to Open Account

None

None

None

Monthly Fee

None

$9.95

$5.00

Signature Purchase Transaction Fee*

$1.00 each

Included in Plan

Included in Plan

PIN Purchase Transaction Fee*

$2.00 each

Included in Plan

Included in Plan

Helpful Tip

* During checkout, select 'Credit' on the keypad to make a Signature Purchase, or select 'Debit' and enter your PIN to make a PIN purchase.


Withdraw Cash (see our tip on how to avoid ATM fees below)

Domestic ATM Cash Withdrawal

$2.50 per withdrawal, plus ATM owner fees, if any.

International ATM Cash Withdrawal

$4.95 per withdrawal, plus ATM owner fees, if any.

ATM Transaction Decline Fee

$1.00 each

Helpful Tip

To avoid ATM fees: Select 'Debit' and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores.

Over the Counter Cash Withdrawal Fee at a financial institution

$2.50 per withdrawal, plus the Foreign Transaction Fee, if applicable. A fee may also be assessed by the financial institution and may vary from location to location.

Over the Counter Cash Withdrawal Fee at a NetSpend Reload Network location

Fee may be assessed by reload location and may vary from location to location. Service not available in all reload locations.


Add Money To Your Account

Direct Deposit

No Fee

Add cash or checks at a NetSpend Reload Network location

Fee will vary. Fee determined by location.

Instant Bank Transfer

$1.95 (deducted from the transferor's debit card account).

Bank Transfer

No fee; transfer fees from the originating bank may apply.

Account-to-Account Transfer via website or text message

No fee; standard text message rates may apply.

Account-to-Account Transfer via Toll-Free Number Customer Service agent

$4.95 each


Manage Your Account

Online Account Center

No Fee

Mobile Phone Anytime AlertsTM

No fee; standard text message rates may apply.

Telephone Access Customer Service

No fee, except when making a balance inquiry (see below).

Balance Inquiry

No fee online
No fee via Anytime Alerts text or e-mail message
$0.50 each via Toll-Free Number automated service, fee waived for NetSpend Premier Cardholders
$0.50 each via Toll-Free Number Customer Service agent
$0.50 each via ATM

Foreign Transaction Fee

3.5% of the US Dollar amount of the purchase transaction

Check Refund, Paper Communications or Statement Mailing Fee

$5.95 each

Additional Card Fee

$9.95 each

Lost, Stolen or Damaged Card Replacement Fee

$9.95 each

Account Maintenance Fee

$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days). This fee is not applicable to residents of Connecticut and New Jersey.

Overdraft Protection Service Fee (This optional service has Cardholder activation and eligibility requirements.)

$15.00 per Overdraft occurrence (maximum of 3 fees per calendar month).


Pay Bills

Bill Payment Fee

In addition to the one or more no-cost bill payment methods made available through third-party service providers, you can see a full range of options and applicable fees in your online Account Center.

ACH Debit/Preauthorized Payment Transaction Decline Fee

$1.00 for each such declined transaction.

Stop Payment Fee for Preauthorized Payment

$10.00 each


Optional Features

Custom Card

$4.95 per custom card

Refunds are at par. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.

1 This Purchase Plan is automatically effective on your Card Account when you first obtain the Card. If you wish to change to another Purchase Plan, just call 1-86-NETSPEND or visit www.netspend.com.

2 Cardholder must receive $500 in Direct Deposit(s) in one (1) calendar month to qualify for this optional Purchase Plan. An eligible Cardholder who is on the Pay-As-You-Go Plan may call 1-86-NETSPEND or visit www.netspend.com to change to this Purchase Plan; a Cardholder already enrolled in the $9.95 FeeAdvantage Plan will be automatically changed to this Purchase Plan at the discounted rate.

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

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.