LOAD YOUR CARD

Direct Deposit Your Paycheck to Your Card Account

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.

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.

Direct Deposit is a convenient way to add money to your Netspend® Prepaid Card Account. And you can get paid up to 2 days faster.[1]

Card usage is subject to card activation and identity verification.[2]

Direct Deposits can include:

  • Work paychecks
  • Tax refunds
  • Social Security benefits
  • SSI (Supplemental Security Income)
  • Pensions
  • Railroad Retirement Benefits (RRB)
  • Defense Finance and Accounting Service Payments (DFAS)
  • State unemployment benefits (varies by state)
  • Government Disability Benefits-SSDI or Workers Compensation (varies by state)
  • Veterans’ benefits

Plus, when you have $500 or more in payroll or government benefits direct deposited to your Card Account in a calendar month, you are eligible to upgrade to Netspend Premier®!

Upgrade to Premier.

Who doesn’t like an upgrade? Netspend Premier is our highest level of service. It has the most features, and you’ll save almost 50% on monthly fees!

See what you get with Premier

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, www.irs.gov/refunds.

Set up in a couple of steps.
Just like you would with a traditional bank account, all you need is your Netspend Prepaid Card Account number and routing number.

Faster tax refunds with Direct Deposit.[3]
Tax refunds can be direct deposited to your Netspend Prepaid Card Account when you e-File your annual return so you don’t have to wait on a paper check.

Find out how

Direct Deposit government benefits, too.
You can even set up Direct Deposit on the Netspend Prepaid Card Account for many government benefits programs, including Social Security.

Learn more

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

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.

Full control.
You decide whether all or part of each check is deposited, and with Anytime Alerts™[4], you’ll be notified when funds clear.

More convenience.
Because your funds are loaded to your Card Account, you don’t have to risk your paper check being lost or stolen—not to mention avoiding possible check-cashing fees and long lines on payday.

Ready when you are.
Your money will be available in your account as soon as the Direct Deposit goes through. That can be up to 2 days faster than with a paper check.[1]

Enroll in Direct Deposit

Ready to change the way you pay?

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

Explore More Features

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

Load checks with a few pictures with your phone.[5]

Learn about Mobile Check Load

The Savings Account is made available to Cardholders through The Bancorp Bank, Pathward, 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, Pathward, 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, Pathward, 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.[6]

See how it works

The Online Account Center

MANAGE YOUR MONEY FROM HOME

Create budgets, manage your preferences, and more.

See the Online Account Center