Choose the reload option that works best for you.

Speedway Locations

Convenient Speedway locations make reloading your card easy.

Add money to your reloadable prepaid card at any Speedway location or at more than 100,000 NetSpend Reload Network locations nationwide-just look for the reload icon you see here. (Fees may apply.)

Find a Speedway location near you

Direct Deposit

Get paid up to 2 days faster!1

Direct Deposit is the free and easy way to add money to NetSpend Debit MasterCard® and Visa® ; Prepaid Debit Cards.2

Learn more about Direct Deposit

Plus, direct deposit $500 or more to your NetSpend® Prepaid Card in one calendar month and you're eligible for a no-cost Speedy Select upgrade.

Learn more about Speedy Select


Bring your check to any Speedway location and have it deposited onto your Card.

Pay one low price of $3.95 to cash each check with a face value of up to $1,000, and the funds will be loaded to your NetSpend Debit MasterCard and Visa Prepaid Debit Card.

What do I need?

A paper check from your employer or the government (examples: State and Federal tax refunds, pension and other regular payments, Railroad Retirement Benefits (RRB), Defense Finance and Accounting Service Payments (DFAS), State unemployment benefits (not all states offer this method of payment).

Find a Speedway location near you

Bank Account Transfers

Add money from virtually any U.S.-issued bank account

If you have a checking or savings account or a bank debit card, use it to add money to your NetSpend card account.

  • Add money from most checking and savings accounts, or from any debit card with the Visa or MasterCard® brand mark
  • Friends or family can add funds to your card account from their bank accounts

Choose from 2 ways to transfer money: INSTANT bank transfers (fee applies) or no-cost transfers. 3 Funds are typically available within 2 to 3 business days when you use the no-cost transfer method.

Log in to learn more about bank transfers

PayPal® Transfers

Use PayPal® to add money to your card, the no fee alternative.

Transferring funds to a NetSpend Prepaid Debit Card is easy when you use PayPal.

  • Use PayPal to send money to your NetSpend card account.
  • Friends or family can send funds to you from their bank accounts

Funds are typically available within 2 to 3 business days when you use this method.

Log in to learn more about PayPal® transfers

Share Money

It's simple to share money from one NetSpend card account to another
  • Share money between your own NetSpend card accounts
  • Share money with other NetSpend cardholders and they can share money with you.
  • Sharing money using your online Account Center is free.

Log in to learn more about how to share money with your NetSpend Card Account

Tax Refunds

Get your tax refund faster with Direct Deposit4

Want to receive your refund as quickly as possible? Tell the IRS to electronically deposit your refund directly to your NetSpend card account.

  • It's Fast: Direct Deposit gets your refund to you much sooner than having a paper check mailed to you.
  • It's Secure: The U.S. Post Office returns thousands of refund checks to the IRS as undeliverable mail. Direct Deposit ensures you'll receive your refund.
  • It's Convenient: Your tax refund goes directly into your NetSpend card account. You don't have to make a special trip to the check-cashing store or bank.
  • It's Easy: Follow the simple refund delivery instructions when completing your tax return.
  • It's Free: There is no fee for direct deposit.2

Learn more

FDIC MasterCard VISA Better Business Bureau

1 Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit.

2 No fee for direct deposit transactions; transaction fees and other costs, terms, and conditions are associated with the use of this card. Use of card is also subject to funds availability. See the Cardholder Agreement for details.

3 There is no fee for this service, however there are costs associated with the use of this card. See the Cardholder Agreement for the complete list of fees, terms, and conditions.

4 Federal tax refunds are typically deposited to card accounts within 8-14 days after your e-filed tax return is accepted by the IRS. Mailed tax returns take longer, as do refunds from state agencies. To check the status of your federal tax refund, we suggest you contact the IRS by calling the IRS Refund Hotline (800.829.1954) or the IRS Automated Information Line (800.829.4477); or by visiting and selecting the "Where's My Refund" tab. Check with your tax preparer or tax preparation software provider for more complete information.

The NetSpend Visa Prepaid Card is issued by MetaBank®, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by MetaBank, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend, a TSYS® Company, is an authorized Independent Sales Organization of MetaBank. The NetSpend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The NetSpend Prepaid MasterCard may be used everywhere Debit MasterCard is accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

MasterCard is a registered trademark of MasterCard International Incorporated.

© 2015 Total System Services, Inc.® All rights reserved. All other trademarks and service marks belong to their owners.