TOOLS TO MANAGEKeys to Manage Your Money

A Better Way To Bank

We've made it easy for you to see how you spend and save every day. We give you practical tools to help you better manage your money.

  • Tools you can use anytime, anywhere
  • Exclusive opportunity to start growing your savings
  • Money-saving rewards program
Access Your Money Anytime, Anywhere

Anytime, Anywhere Access

Enjoy the freedom to manage your money where and when you want - at home, at work or on the road - anywhere there's a computer with an Internet connection.

  • The Online Account Center is where you can see your balance, your deposits and transaction history
  • Pay bills online instantly, or schedule recurring or future payments
  • Create a budget. Staying within a budget is easy when you use our planning tools
  • Sign up for Anytime AlertsTM to receive a text message the instant your money is available, and track your card account balance after every transaction7
Get Exclusives You'll Love

NetSpend Exclusives

We give our cardholders special opportunities to save or grow their money, including:

  • Get nearly 50% off our monthly FeeAdvantage PlanTM, Purchase Cushion coverage and a no cost1 personalized NetSpend Card2 when you upgrade to NetSpend Premier®.
  • A variable rate NetSpend Savings Account pays a very generous 5.00% APY (Annual Percentage Yield) on balances of $5,000 or less, and 0.50% APY on any amount above $5,000.3
  • The ability to receive up to $20 for every family member or friend you refer who opens and funds a NetSpend card account4
Save More with NetSpend

Other Ways For You To Save

We're here to help you manage your money. We work hard to find ways to reward you for being a loyal NetSpend cardholder.

our app7

Apple App Store Google Play Store

With Us

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FDIC MasterCard VISA Click for the Business Review of prepaid debit card provider, NetSpend Corporation.

* To qualify for NetSpend Premier, receive $500 in payroll or government benefit direct deposits in one (1) calendar month. Upon qualifying, an eligible Cardholder on the Pay-As-You-GOTM fee plan must call 1-86-NETSPEND or visit to change to the discounted FeeAdvantageTM Plan ("FAP"). A Cardholder already enrolled in the FAP will be changed to the discounted rate on the next plan fee assessment date after qualifying. See Cardholder Agreement for details.

1 While this feature is available for free, certain other transaction fees and costs, terms and conditions are associated with the use of this Card. See the Cardholder Agreement.

2 Custom Card Fee of $4.95 is waived. Limit of one (1) no cost custom card per Card Account. Picture must meet Image Guidelines. If custom card is lost, stolen or damaged, any request for (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee, or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.

3 The Savings Account is made available to Cardholders through BofI Federal Bank, The Bancorp Bank, and MetaBank® 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 $5,000.00 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 $5,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $5,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.72%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of . 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 BofI Federal Bank, The Bancorp Bank, and MetaBank, Members FDIC upon verification of Cardholder's identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at BofI Federal Bank, The Bancorp Bank, and MetaBank will be aggregated up to the coverage limit, currently $250,000.00.

4 A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a NetSpend card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, NetSpend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder's knowledge of referred person establishing an account with us. MetaBank®, The Bancorp Bank, and BofI Federal Bank are not affiliated in any way with the Refer-a-Friend rewards program and does not endorse or sponsor this program.

5 NetSpend Payback Rewards is an optional program. You may opt-out at any time by visiting your NetSpend Payback Rewards Summary Page at your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. NetSpend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a NetSpend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: NetSpend Corporation. MetaBank, The Bancorp Bank, and BofI Federal Bank are not affiliated in any way with the program and neither endorses nor sponsors it.

6 DISCOUNT ONLY - NOT INSURANCE. Average savings of 46%, with potential savings of up to 75% (based on 2013 national program savings data). All prescription drugs are eligible for savings. Discounts are available exclusively through participating pharmacies. The range of the discounts will vary depending on the type of provider and services rendered. This program does not make payments directly to providers. Members are required to pay for all health care services. You may cancel your registration at any time or file a complaint by contacting Customer Care. This program is administered by Medical Security Card Company, LLC (MSC) of Tucson, AZ. Note to Texas Consumers: You may contact the Texas Department of Insurance if you remain dissatisfied after completing this program's complaint process. MetaBank, The Bancorp Bank, and BofI Federal Bank are not affiliated in any way with this product and does not endorse or sponsor this product.

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

The NetSpend Visa Prepaid Card is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to a license from Visa U.S.A. Inc. The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company pursuant to license by MasterCard International Incorporated. The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company; Members FDIC. Please see back of your Card for its issuing bank. NetSpend, a TSYS® Company, is a registered agent of The Bancorp Bank, BofI Federal Bank, MetaBank, and Republic Bank & Trust Company. 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 Cardholder Agreement for details.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

© 2016 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.