• No hidden fees: Say bye to surprise charges. Hello upfront transparent fees
• Easy Budgeting: Track real-time spending including pending transactions
• Direct deposit: Get paid up to 2 days faster w/ direct deposit¹
• Security first: Temporarily suspend your card if lost/theft & quickly regain access
• No Credit Check⁴: Joining Netspend doesn’t require a credit check⁴
• FDIC insured: Your funds on deposit are FDIC insured through issuing bank⁵ your money is secure. No credit check required⁴
• Anytime Alerts: Stay in the know! Sign up, your phone will chime & your email will alert - stay ahead of your money!
Netspend is for:
• People wanting to manage their finances on the go
• Unbanked or underbanked folks
• Freelancers needing flexibility in their financial solutions
¹ Based on comparison of our ACH processing policy vs. posting funds at settlement.
² No minimum balance necessary to open an optional Savings Account. Because Savings Account funds are withdrawn through the Card Account or Deposit Account, Card Account or Deposit Account transaction fees could reduce interest earned on the Savings Account. To participate in the Savings Account program, you must consent to & continue receiving communications from us in electronic form. If you are subject to Internal Revenue Service backup withholding at the time of your request to open the Savings Account, your request will be declined. The Netspend Prepaid Savings Account or Netspend Debit Savings Account is available to Netspend Cardholders or Debit Account holders through Pathward®, N.A., Member FDIC. Card Account or Deposit Account & Savings Account funds are FDIC-insured upon verification of your identity. For purposes of FDIC coverage, all funds held on deposit by you at Pathward, N.A., will be aggregated up to the max amount permitted by law upon receipt of funds by the Issuer.
³ Based on the national rate as of 1/16/2024 published by the FDIC & is calculated based on a simple average of rates paid by all insured depository institutions & branches for which data are available. Latest national rate published by the FDIC: https://www.fdic.gov/regulations/resources/rates/
⁴ Subject to card activation or Deposit Account registration & ID verification. Terms & Costs Apply. Card issued or Deposit Account established by Pathward®, Member FDIC. Card may be used everywhere Debit Mastercard is accepted.
⁵ Upon successful activation & registration of Card or Account, funds on deposit at Pathward, N.A., Member FDIC, are insured up to the standard maxi deposit insurance limit. Coverage limit is subject to aggregation of all of Cardholders or Accountholders funds held on deposit at Pathward, N.A.
⁶ While this specific feature is available at no cost, certain other transaction fees & costs, terms, & conditions are associated with the use of this Card or Account. See Cardholder Agreement or Deposit Account Agreement for details.
⁷ Faster funding claim is based on a comparison of the Pathward, N.A. policy of making funds available upon receipt of payment instruction vs typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with/without notice. Early funds availability requires payor’s support of direct deposit & subject to timing of payor’s payment instruction.
⁸ Netspend Payback Rewards is optional program. You may opt-out at any time, visit the Payback Rewards page in your Online Account Center. Rewards offers are based on individual shopping habits. Rewards are credited to your Card or Account & 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 & terms & conditions in your Online Account Center for details. Program sponsor: Ouro Global, Inc. Pathward, N.A., Visa, & Mastercard are not affiliated in any way with this program & do not endorse or sponsor this program.