Prepaid Card Costs

Choose the Best Plan for You

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.

Whether you’re looking for simplicity, value, or more flexibility, we’ve got a fee plan to fit your lifestyle.

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

The Monthly Plan is optional and covers only purchase transaction fees. It does not include ATM fees or any other fees associated with the use and reloading of the Card Account. See your Cardholder Agreement in your Account Center for details.

Monthly Plan[2]

Simplicity and Value

  • You prefer unlimited transactions for one low monthly fee
  • You get paid by Direct Deposit
  • You use the Card often

You know how to live well on a budget. You load your entire paycheck to your Card through Direct Deposit. Avoiding transaction fees is important, because you use your Card for everything. You get cash back at the grocery store to avoid paying ATM fees.

The Pay-As-You-Go Plan (“PAYGO”) is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. These plans include onlydomestic purchase transaction fees and do not include ATM fees or any other fees associated with the use and reloading of the Card Account. See your Cardholder Agreement inyour Account Center for details.

Some bill payment services are subject to fees. See the Online Account Center for details about the methods of payment available.

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

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. Pathward, N.A., and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.

Pay-As-You-Go Plan[3]

More Flexibility

  • You enjoy the freedom of no monthly fee
  • You’re not sure how often you’ll use the Card each month
  • You use the Card to shop and pay bills[4]

You don’t want to commit to a monthly fee and prefer to pay only for what you use. You check your balance often with text alerts or the mobile app.[5] You love earning cash back rewards[6] from select retailers.

For more information on fee plans for a new Card Account, visit the Card order page.

To see the fees associated with a current Card Account, log in to the Online Account Center. You may also change your fee plan in your Online Account Center.

In accordance with applicable law, we provide a repository of all Netspend-managed Prepaid Account Agreements offered to the general public at the link below.

View Prepaid Account Agreements and Fee Schedules.