Do more with your money today:
Even more benefits than the Netspend Prepaid Card:
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How do I get a Netspend card? |
Visit your nearest Check Cashing USA, you will be required to provide your name, street address, date of birth and other information that will allow us to identify you. We must collect this information in accordance with The USA PATRIOT Act, a Federal law that requires all financial institutions and their third-party service providers to obtain, verify and record information that identifies each person who opens a Card Account.
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How do I add money to my Netspend card? |
You can add money to your Netspend card in several ways, including direct deposit, bank transfers, and mobile check deposits. However, the fastest and easiest way to load cash onto your card is by visiting any Check Cashing USA location. Simply bring your Netspend card and cash to one of our stores, and our team will assist you with loading funds instantly.
Visit your nearest Check Cashing USA today to reload your card and get back to spending with ease!
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How do I check my account balance? |
To check your balance for free, log in to your Online Account Center, where you can see your balance, your deposits and transaction history. Or, sign up for Anytime Alerts™ to receive a text message including your card account balance, after every transaction. After you’ve signed up for Anytime Alerts, text the letters ‘BAL’ to 22622 anytime, and your account balance will be sent to your mobile phone. Message and data rates may apply.
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How long does it take to get my Netspend card? |
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.
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Where can I use my Netspend card? |
You can use your Netspend card anywhere Debit Mastercard® is accepted, including retail stores, online shopping, bill payments, restaurants, and ATMs for cash withdrawals. It’s a convenient way to make purchases and manage your money. Plus, you can visit any Check Cashing USA location to quickly reload4 your card with cash whenever you need it!
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What do I do if my card is lost or stolen? |
You should immediately contact Customer Service via our toll-free number, 1-866-387-7363. Or, you can log in to the Online Account Center to report your card lost or stolen.
From the main menu, select ‘My Account’, ‘My Prepaid Cards’ and then ‘Report Card Lost/Stolen’. You will also be able to order a new card.
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What are the benefits of a Netspend Debit Card? |
A Netspend Debit Card offers convenience, flexibility, and financial control without the need for a traditional bank account. Enjoy features like direct deposit to get paid faster5, online and in-store purchases anywhere Debit Mastercard® is accepted, and ATM access for cash withdrawals. Plus, there are no credit checks1 or minimum balance requirements. Need to add cash? Visit any Check Cashing USA location to quickly reload4 your card and keep your spending on track!
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Can I add my Netspend card to a digital wallet? |
Yes, you can add your Netspend card to popular digital wallets like Apple Pay, Google Pay, and Samsung Pay for secure and convenient payments. Simply open your digital wallet app, follow the instructions to add a new card, and start making contactless payments in stores, online, and within apps.
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How do I set up direct deposit with my Netspend card? |
Setting up direct deposit with your Netspend card is convenient. Simply provide your employer or the entity sending payments with your Netspend account number and routing number, which can be found on the Netspend website or app. Once set up, your paycheck, government benefits, or other deposits will be automatically loaded onto your card, giving you faster5 access to your funds.
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.
1 IMPORTANT INFORMATION FOR OPENING A CARD OR 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. Residents of Vermont are ineligible to open a Card Account.
2 Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting 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 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. and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program.
3 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.
4 The Netspend Network is provided by Ouro Global, Inc. and its authorized agents. Ouro Global, Inc. is a licensed provider of money transfer services (NMLS ID: 932678). Ouro Global Inc.’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Ouro Global, Inc. and other third parties in connection with use of the Netspend Network.
5 Faster funding claim is based on a comparison of the Pathward, N.A. and Republic Bank & Trust Company’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.
6 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 2/12/2024. 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 Prepaid Mastercard is issued by Pathward, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. The Netspend® Debit Account is a deposit account established by Pathward, N.A. Please see the back of your Card for its issuing bank. Ouro Global, Inc. is a registered agent of and service provider to Pathward, N.A. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted.
Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
© 2025 Ouro Global, Inc.
