Features Designed with You in Mind

IMPORTANT INFORMATION FOR OPENING A CARD 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 a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

We give you tools that put you in control of your financial life.

Card usage is subject to card activation and identity verification.[1]

Load Your Card

Need a way to add money to your Card Account? Take your pick.

Control Your Money

Manage your money day-to-day.

Get Something Back

It’s not just the card you use to pay, it’s the card that pays you.

Peace of Mind

Features that help you protect yourself.

Load Your Card

Need a way to add money to your card? Take your pick.

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.

Direct Deposit

GET PAID UP TO 2 DAYS FASTER[2]

When you Direct Deposit to your Netspend Card, you can get your paycheck up to 2 days faster.

Learn more about Direct Deposit

Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.

Mobile Check Load

LOAD CHECKS IN A SNAP[3]

Take a few photos with your phone. Deposit checks to your card.

Learn how it works

Fee may be assessed by reload location and may vary from location to location.

Reload Locations

ADD MONEY AT OVER 130,000 LOCATIONS[4]

Load your card at grocery stores, gas stations, check cashers, and convenience stores all over the country.

Find the nearest reload locations

Fees for bank transfers are determined by the transferor’s bank and may be charged to the transferor’s bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Netspend Customer Service agent.

Send Money

TRANSFER FUNDS SEAMLESSLY

Send money to or receive money from friends and family with Netspend cards.[5]

See how it works

Control Your Money

Manage your money day-to-day

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

Anytime Alerts

TRANSACTION ALERTS, SENT RIGHT TO YOU

Receive text alerts about transactions so you are the first to know when something hits.[6]

Learn more about Anytime Alerts

The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion. Approved purchase transactions may create up to a $10.00 negative balance on your Card Account. Cardholder is responsible for repayment of any negative balance. See the Cardholder Agreement for details.

Purchase Cushion

GET A BREAK

We may cover you up to $10 if you fall short.[7]

Learn how it works

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

Smartphone App

DO EVERYTHING, ANYWHERE

Check your Card Account balance, see up-to-date transaction information, and more–all from your smartphone.[6]

See the Netspend smartphone app

The Online Account Center

MANAGE YOUR MONEY FROM HOME

Create budgets, manage your preferences, and more.

See the Online Account Center

Get Something Back

It’s not just the card you use to pay, it’s the card that pays you

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

Payback Rewards

EARN CASHBACK

Get cash back and personalized offers, just for using your Card.[8]

Learn about rewards

 A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, Netspend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder’s knowledge of referred person establishing an account with us. The Bancorp Bank, MetaBank®, National Association, and Republic Bank and Trust are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program.

Refer a Friend

TELL YOUR FRIENDS & GET PAID

Boost your Card balance when your friends get a Netspend Card.[9]

See how to earn

The Savings Account is made available to Cardholders through The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company; 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 $1,000.00 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 $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of May 7, 2020. 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 The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company, Members FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00.

Savings Account

PUT SOME MONEY ASIDE

It never hurts to save some money, and you can earn interest, too.[10]

Read more about savings

Any information, recommendations, as well as optional programs and products directly offered by, or made available through Netspend Corporation (“Netspend”) are neither endorsed, guaranteed, nor administered by The Bancorp Bank or Republic Bank & Trust Company for which Netspend is an authorized Independent Sales Organization.

Savings vary by drug, average savings of 50% (Data pulled from SingleCare users who joined between inception and August 2017). The SingleCare program is a medical discount plan. It is NOT insurance. The SingleCare pharmacy savings card for Netspend cardholders provides you with savings on more than 50,000 FDA-approved medications. While SingleCare offers an entire suite of health care savings options, this card will work exclusively with prescriptions savings. This program offers you the opportunity to locate providers of various types of medical services who will offer their services to you at discounted rates. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and service received. You are fully responsible for paying for all health care services but will be entitled to receive a discount from those health care providers in accordance with the specific pre-negotiated discounted fee schedule. This program does not guarantee the quality of the services or procedures offered by the providers. Except for prescription drugs which you will pay directly to the pharmacy at the time of purchase, all other services received through a program provider will be charged to the credit card on file in your member account. The charge will include an administrative fee for use of the program. This is not a Medicare prescription drug plan. Towers Administrators Inc. is the licensed discount medical plan organization with its administrative office located at 4510 Cox Road, Suite 111, Glen Allen, VA 23060. SingleCare Services, LLC is the marketer of the discount medical plan organization including its website, singlecare.com, with its corporate office located at 4100 Regent Street, Suite S, Columbus, OH 43219. For additional information, including an up-to-date list of providers, or assistance with any issue related to program membership, please contact member support any time at www.singlecare.com, or by calling toll-free 1-800-323-1174, Monday through Friday 9am-9pm EST. Although Netspend provides you the option to receive this Pharmacy Savings discount card, this discount card is issued by a third-party, and Netspend is not affiliated with the discount card issuer or its discount program. Netspend makes no representations, warranties or guarantees, and shall have no responsibility, with respect to the discount card or its discounts. MetaBank®, National Association, Republic Bank & Trust Company, and The Bancorp Bank are not affiliated in any way with this optional product or service and neither endorse nor sponsor it.

Prescription Savings

SAVE WITH THE PHARMACY SAVINGS CARD[11]

Save up to 50% off the normal retail prices of FDA-approved prescription medication.[12]

Learn about Prescription Savings

Peace of Mind

Features that help you protect yourself

Custom Card Fee required. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee; or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

Custom Cards

PERSONALIZE YOUR PLASTIC

Customize your card with a family photo or unique image.[13]

See what you can do

You may request up to six (6) active Virtual Accounts for each active Card Account. Virtual Accounts are subject to the same fees, limits, terms, and conditions as your Card Account. See your Cardholder Agreement or Online Account Center for details.

Virtual Card Numbers

KEEP YOUR NUMBER UNDERCOVER

Create a temporary card number for more control over online transactions.[14]

Find out how

To minimize losses, Cardholder must notify Netspend promptly of any loss of the card or compromise of the Card Account. Other terms apply. See the Cardholder Agreement for details.

Zero Liability

REST EASY... YOU'RE PROTECTED

If someone uses your card fraudulently, your funds may be protected.[15]

Ready to change the way you pay?

Order a Card today, and you’ll receive it in the mail within 7-10 business days.