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1 While this specific feature is available at no cost, certain other transaction fees and costs, terms, and conditions are associated with the use of this Account. See the Deposit Account Agreement or Online Account Center for more details.
2 The optional Savings Account linked to your Netspend All-Access Account is made available to Accountholders through Pathward, National Association, 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 March 1, 2023. No minimum balance to open Savings Account or obtain the yield(s).
Savings Account funds are withdrawn through the Netspend All-Access Account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. Funds on deposit are FDIC insured through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A., will be aggregated up to the coverage limit, currently $250,000.00.
3 The Debit Card Overdraft Service is an optional service made available to eligible Netspend All-Access 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 forcoverage. 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 anoverdraft. 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 requirementsfor 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.
4 The $10 Purchase Cushion is not an extension of credit; it is a courtesy exercised at our discretion to customers who have met the eligibility requirements. Authorized purchase transactions may create up to a $10.00 negative balance on your account. You are responsible for repayment of any negative balance. See the Deposit Account Agreement for details.
5 No ATM-owner surcharge on ATM Cash Withdrawals conducted at any MoneyPass network ATMs. Visit your Online Account Center or www.moneypass.com to find a list of MoneyPass network ATMs. All other ATMs may apply a surcharge assessed by the institution that owns the terminal or network in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement. ATM Cash Withdrawal Fee is waived for the first withdrawal conducted at a MoneyPass Network ATM each calendar month. Waiver applies only to ATM Cash Withdrawal Fees and does not apply to any Balance Inquiry Fees assessed at MoneyPass network ATMs.