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Netspend® Debit Account

Here's what you get:

Get Paid Earlier2

Access your payday up to 2 days earlier with Direct Deposit to your Netspend® Debit Account.

Cash Back Offers3

Earn cash back offers up to 10%* on qualifying purchases with Payback Rewards.

Optional Overdraft Service4

Enroll in the available Overdraft Service.

Optional Savings Account5

Earn up to 6.00% Annual Percentage Yield with our Savings Account and watch your savings grow.

*Cashback offers may be more or less than 10% and vary by merchant and product. Discounts may be shown as either percentage or flat amount. Rewards are credited to your Card or Deposit Account and are not available in the form of a check or other direct payment method. Terms and conditions apply. Visit netspend.com/payback for full list of terms.

Direct Deposit: The Real MVP

Get paid up to 2 days faster.2

Paychecks
+
Tax Refunds
+
Government Benefits

Trusted by Millions. And counting.

"The best mobile banking app."

— Jacob

"Easy to use and I love the way it tracks your spending."

— Teddy

"I love the fast notifications when activity is detected on my card!"

— Kee

"Customer service is great, easy to load and transfer money."

— Tonya

"Easy to use. Easy to load. Direct deposits are quick and very easy to get done. Very happy with my account!""

— Cindy

"I use direct deposit and I love the notifications when you get a deposit or a withdrawal. I like that I have that record!"

— Kelly

"I would recommend this card to anyone who needs a hassle free form of online payment."

— Dwight

"With Netspend, I'm able to manage my money better. I use it to pay my bills and make purchases online. It's very convenient."

— Janeane

Let's get started

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Where should we send your card?

Choose your look

Review the Deposit Account Agreement and Privacy Policy.

Questions?

There is no cost to order and activate a Netspend Visa debit card. Once you activate your card, you can access your online checking account and begin using one of the best cash back cards available! Upon activation, you may choose from our selection of fee plans. To view the fee plans and other costs associated with using the card, see our fee schedule.

When your card arrives, activate it and start enjoying benefits like cash back on debit card purchases, and receive your paycheck or social security direct deposit up to two days early2. Follow the printed activation and identity verification steps that come with your card. Add your card to your mobile wallet and use your new digital visa card in-stores and online.

You should receive your card approximately 7 to 10 business days after you place your order. If you do not receive your card within 10 business days, call Customer Service at 1-866-387-7363.

Fill out a quick online order form, and we'll ship you a card! There's no credit check and no upfront fees, making it one of the most easily accessible cashback debit cards on the market. To activate the Card Account, you will be required to provide your name, street address, date of birth, and other information to identify you. Residents of the State of Vermont are ineligible to open a Card Account.

Browse All FAQs >

Once your identity is verified and your account is registered, your funds on deposit in your Netspend prepaid, debit and savings accounts are FDIC insured up to $250,000 through your issuing bank ("Issuing Bank"), which is Pathward, N.A., Republic Bank & Trust Company, or The Bancorp Bank, N.A., Members FDIC, subject to certain conditions including regulatory requirements for FDIC pass-through insurance and the aggregation of all funds held on deposit in the same capacity at the Issuing Bank. Pathward, N.A. may place your funds at one or more participating FDIC-insured banks (www.pathward.com/programbanks). FDIC insurance protects against the failure of the Issuing Bank, not the failure of Ouro Global, Inc. ("Ouro"). Ouro, a financial technology company, is not a bank and is not FDIC insured. Your Issuing Bank is identified on the back of your card and in your account agreement.

Deposit Account AgreementPrivacy PolicyOnline Privacy PolicyEnd User License Agreement

*To qualify for this offer you must: 1) be an existing Netspend Debit account holder or open a new Netspend Debit Account between 12/1/2024 – 4/15/2025; 2) Register and verify your ID; 3) pay your tax preparation service with your Account; 4) receive your tax refund on your Account; 5) have debit or load activity (excludes ATM withdrawals) on your Account during the five months following the month you receive your refund. The $50 credit will be awarded in monthly installments of $10 over 5 months. Credits will begin 5 business days after you receive your first tax refund. Limit of one (1) offer per account. Offer may not be transferred, exchanged, or redeemed for cash. Offer void where prohibited. Pathward®, N.A., Visa and Mastercard are not affiliated in any way with this offer and do not endorse or sponsor this optional offer.

  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. Faster funding claim is based on a comparison of Pathward, N.A.'s 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 days faster funding claim is limited to federal government benefit funds. 5 days faster funding claim is limited to Federal tax return funds regarding when funds are received from the IRS. IRS processing times will not be affected. For up-to-date information from the IRS, visit www.irs.gov/refunds.
  3. Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Rewards offers are based on individual shopping habits. Rewards are credited to your Account and are not available in the form of a check or other direct payment method. Rewards earned through Netspend Payback Rewards are separate from rewards earned through any other rewards program. 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: Ouro Global, Inc. Pathward, N.A., Visa and Mastercard are not affiliated in any way with this program and does not endorse or sponsor this program.
  4. The Debit Card Overdraft Service is an optional service made available to eligible Netspend® Debit Account 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 1-866-647-6929 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.
  5. The optional Savings Account linked to your Netspend Debit 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 August 26, 2024. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the Netspend Debit Account and transaction fees could reduce the interest earned on the savings account.

The Netspend® Debit Account is a deposit account established by Pathward®, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Ouro Global, Inc. is a service provider to Pathward, N.A.

Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted.

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