Trusted by Millions

Get a Netspend® Visa® Prepaid Card

  • No Credit Check1
  • No Minimum Balance Required
  • No Activation Fee2

Account opening and use of Account is subject to registration and ID verification.1

Enter Your Information

Direct Deposit Which of the following payments would you like to receive up to 2 days faster with Direct Deposit?3

Choose Your Card


Scroll down for disclosures

Card Features

Card use and all features subject to activation and ID verification.1

Get Paid Earlier

Receive your paycheck up to 2 days earlier with Direct Deposit to your All-Access Account.3

Optional Overdraft Services

Enroll in optional Debit Card Overdraft Services.6

Anytime Alerts™

Keep track of your money when you enroll in text alerts.8

Cash Back

Earn cash back on qualifying purchases with Payback Rewards℠.5

High-Yield Savings Account

Earn up to 6% Annual Percentage Yield with Savings Account and watch your savings grow.7

Design Your Card

Personalize your debit card with a photo or unique graphic.9

Upon activation of your card, your funds are FDIC insured up to the current coverage limit. MetaBank®, National Association, Member FDIC.

Cardholder Agreement and Fees | Privacy Policy | Online Privacy Policy



1 IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

2 Other costs, terms and conditions are associated with the use of this Account.

3 Faster funding claim is based on a comparison of our policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor's support of direct deposit and is subject to the timing of payor's payment instruction.

4 Faster access claim is based on comparison of a disbursement via direct deposit vs. disbursement via a mailed paper check. For up-to-date information from the IRS, visit

5 Payback Rewards is an optional program. You may opt-out at any time by visiting the Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. [BANK] and [CARD] are not affiliated in any way with this program and do not endorse or sponsor this program.

6 The Debit Card Overdraft Service is an optional service made available to eligible [BRAND] customers by Pathward, N.A. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at 1-800-865-0789 or log in to your Online Account Center for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

7 The optional Savings Account linked to your [BRAND] Account is made available to Accountholders through Pathward, N.A., Member FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

• If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.

• If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of 03/01/2021. There is no minimum balance to open the Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the [BRAND] Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A. will be aggregated up to the coverage limit, currently $250,000.00.

8 Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

Fee is waived for first Custom Card order. Fee for subsequent Custom Cards will be assessed to Account and the debit card will be mailed to you. If creating a Custom Card in the Online Account Center, pictures must meet the image guidelines. If a Custom Card is lost, stolen, or damaged, you may: (a) reorder a Custom Card online; (b) recreate a Custom Card online; or (c) pay the Replacement Card Fee and a standard debit card will be sent. See Online Account Center for Custom Card FAQs and the Deposit Account Agreement for more details.

The Netspend® All-Access® Account is established by Pathward, National Association, Member FDIC. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

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