| Type of Fee | Pay-As-You-Go Plan | Monthly Plan |
|---|---|---|
| Plan fee | $0 | $9.95† per mo. |
| Per purchase | $1.95 | $0 |
| ATM withdrawal | $2.95 | $2.95 |
| Cash reload | $3.95* | $3.95* |
| ATM balance inquiry | $0.50 | $0.50 |
| Live customer service (per call) | $0 | $0 |
| Inactivity (after 90 days w/ no trans.) | $5.95 per mo. | $5.95 per mo. |
† $5.00/mo. w/ payroll/benefits direct deposits of $500 in 1 calendar month.
* This fee can be lower depending on how and where this card is used.
No overdraft/credit feature.
Register your card for FDIC insurance eligibility and other protections.
For general information about prepaid accounts, visit cfpb.gov/prepaid.
Find details and conditions for all fees and services below.
| Card Purchase Fee | $0 |
|---|---|
|
No fee for Card Accounts not acquired at a retail location. |
|
| Card Purchase Fee | Up to $9.95 |
| For initial Card purchase at a retail location. Fee is determined and assessed by operator of retail location and varies depending on location. This is a third-party fee and is subject to change. | |
| Pay-As-You-Go Plan | $0 |
|---|---|
| Monthly Plan | $9.95 |
| Reduced Monthly Plan | $5.00 |
|
The Pay-As-You-Go Plan listed above is automatically applied to your Card Account when you first obtain the Card. You may change your Plan any time by calling 1‑86‑NETSPEND/1‑866‑387‑7363 or by visiting www.netspend.com. Each time you change your Plan, the Plan change and associated fees take effect immediately unless otherwise stated. The Reduced Monthly Plan is an available Plan option for Card Accounts that receive at least $500 in Direct Deposit(s) of payroll checks or government benefits in any one (1) calendar month. Subsequent deposits are not required to keep the Reduced Monthly Plan option available. Upon qualifying, an eligible Cardholder who is on the Pay-As-You-Go Plan may call 1‑86‑NETSPEND/1‑866‑387‑7363 or visit www.netspend.com to change to the Reduced Monthly Plan; a Cardholder already enrolled in the Monthly Plan will automatically be changed to the Reduced Monthly Plan. |
|
| Signature Purchase Transaction Fee | |
|---|---|
| Pay-As-You-Go Plan | $1.95 |
| Monthly Plan | $0 |
| Reduced Monthly Plan | $0 |
| Per transaction. During checkout, select "CREDIT" on the keypad to make a Signature Purchase. | |
| PIN Purchase Transaction Fee | |
| Pay-As-You-Go Plan | $1.95 |
| Monthly Plan | $0 |
| Reduced Monthly Plan | $0 |
| Per transaction. During checkout, select "DEBIT" and enter your PIN to make a PIN Purchase. | |
| MoneyGram® Bill Payment Service | Fee varies |
|---|---|
| Per bill payment. Fee is determined and assessed by MoneyGram. This is a third-party fee and is subject to change. | |
| Automated Clearing House (ACH) Payments | $0 |
| Provide the biller with the Issuer’s routing number and your assigned Account Number. | |
| Customer Service (Automated or Live Agent) | $0 |
|---|---|
| No fee for calling Customer Service (Automated or Live Agent) for inquiries, including balance inquiries. 1‑86‑NETSPEND (1‑866‑387‑7363). | |
| ATM Balance Inquiry Fee – Domestic | $0.50 |
| Per inquiry. You may also be charged a fee by the ATM operator. | |
| Balance Inquiry via Online Account Center | $0 |
| Log in to the Online Account Center at www.netspend.com. | |
| Balance Inquiry via Anytime Alerts™ (Email or Text Message) | $0 |
| Standard text message or data rates may apply. | |
| Over-the-Counter ("OTC") Withdrawal Fee at a Financial Institution | Greater of 1% of the withdrawal amount or $2.95, not to exceed $9.95 |
|---|---|
| Per withdrawal. A fee may also be assessed by a financial institution that is not a Visa-member financial institution. | |
| OTC Withdrawal Fee at a Netspend Reload Network Location | Up to the greater of 2.75% of the withdrawal amount or $4.00 |
| Per withdrawal. Fee may be either a flat fee or a percentage of the withdrawal amount. Fee is determined and assessed by operator of Netspend Reload Network location and varies depending on location and amount of cash withdrawn. This is a third-party fee and is subject to change. | |
| ATM Withdrawal Fee – Domestic | $2.95 |
| Per withdrawal. You may also be charged a fee by the ATM operator. You can avoid ATM fees if you select "DEBIT" and enter your PIN to get cash back when making purchases at many retailers, such as grocery stores. | |
| Direct Deposit (ACH Deposit) | $0 |
|---|---|
| No fee. | |
| Cash Reload at a Netspend Reload Network Location | Up to $3.95 |
| Per load. Fee is determined and assessed by operator of Netspend Reload Network location and varies depending on location. This is a third-party fee and is subject to change. | |
| Mobile Check Load Fee – Standard | $0 |
| This is a third-party fee and is subject to change. Standard text message or data rates may apply. | |
| Mobile Check Load Fee – Expedited (Government and Payroll Checks with a Pre-printed Signature) | Greater of 2.0% of total check amount or $5.00 |
| Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. Standard text message or data rates may apply. | |
| Mobile Check Load Fee – Expedited (All Other Accepted Check Types) | Greater of 5.0% of total check amount or $5.00 |
| Per check load. Percentage taken of total check amount. Fee deducted from check total prior to loading your Card Account. This is a third-party fee and is subject to change. Standard text message or data rates may apply. | |
| Western Union Money Transfer® | Fee varies |
|---|---|
| Per transfer. Fee to send money is determined and assessed by Western Union. No fee to receive money on your Card via Western Union Money Transfer. This is a third-party fee and is subject to change. | |
| Account-to-Account Transfer Fee via Website | $0 |
| www.netspend.com. | |
| Account-to-Account Transfer Fee via CS Agent | $4.95 |
| Per transfer via Customer Service Agent. Fee is assessed to transferor’s account when the transfer is processed. | |
| Debit Card Transfers – Inbound | $0 |
| Per transfer from your debit card at another financial institution to your Card Account. | |
| Debit Card Transfers – Outbound | 1.5% of transfer amount, minimum $2.95 |
| Per transfer from your Card Account to your debit card at another financial institution. Fee is assessed to your Card Account. | |
| Bank Transfer – Inbound | $0 |
| Per transfer of funds via ACH from your bank account at another financial institution to your Card Account. This is a third-party fee and is subject to change. | |
| Bank Transfer – Outbound | $1.95 |
| Per transfer of funds via ACH from your Card Account to your bank account at another financial institution. This is a third-party fee and is subject to change. | |
| Foreign Transaction Surcharge | 4.0% |
|---|---|
| Per foreign transaction. Calculated based on the U.S. dollar amount of the purchase transaction or cash withdrawal. Charged in addition to any applicable Purchase Transaction Fee or OTC Withdrawal Fee. | |
| ATM Withdrawal Fee – International | $0 |
| Per withdrawal. Foreign Transaction Surcharge applies. You may also be charged a fee by the ATM operator. | |
| ATM Balance Inquiry Fee – International | $0 |
| Per inquiry. You may be charged a fee by the ATM operator. | |
| ATM Transaction Decline Fee – Domestic or International | $1.00 |
|---|---|
| Per declined transaction. You may also be charged a fee by the ATM operator. | |
| ACH/Preauthorized Payment Transaction Decline Fee | $1.00 |
| Per declined ACH transaction. | |
| Bank Transfer Reversal Fee | $5.00 |
| Fee for processing returned or rejected inbound Bank Transfers (see “Move Money to and from your Card Account” above). This is a third-party fee and is subject to change. | |
| Additional Card Fee | $0 |
|---|---|
| For each additional Card requested that is not a replacement Card. | |
| Replacement Card Fee | $9.95 |
| Per lost, stolen, or damaged Card replaced. | |
| Custom Card Fee | $4.95 |
| Per custom Card. | |
| Card Delivery Fee – 7-10 Business Days | $0 |
| No fee. | |
| Card Delivery Fee – 3 Business Days | $20.00 |
| Charged in addition to Additional Card Fee or Replacement Card Fee. Fee will be assessed when this service is requested with additional or replacement Card orders. | |
| Card Delivery Fee – 1-2 Business Days | $25.00 |
| Charged in addition to Additional Card Fee or Replacement Card Fee. Fee will be assessed when this service is requested with additional or replacement Card orders. | |
| Additional Statement Mailing Fee | $0 |
|---|---|
| Statements are also available by logging in to your Online Account Center at www.netspend.com or by calling 1‑86‑NETSPEND (1‑866‑387‑7363). | |
| Stop Payment Fee | $0 |
| Per stop payment request on an ACH Debit/Preauthorized Payment Transaction. | |
| Check Request Fee | $5.95 |
| For processing and mailing of a return of funds check at Card Account closure. Refund checks are not issued for balances of less than $1.00. If your Card Account balance will be reduced to less than $1.00 after the Check Request Fee is debited, the Check Request Fee will be waived. See "Withdraw Cash" above for alternative options to remove the funds from your Card Account. | |
| Inactivity Fee | $5.95 |
| Per month. Fee applies if there are funds in the Card Account and the Card Account has had no activity, i.e., no purchases; no cash withdrawals; no load transactions; and no Balance Inquiry Fee, for ninety (90) days. If enrolled in the Monthly Plan and your Card Account has had no activity as described above, this fee applies instead of the Monthly Plan Fee. | |
Register your card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to MetaBank®, National Association, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event MetaBank, N.A., fails, if specific deposit insurance requirements are met and your card is registered. See www.fdic.gov/deposit/deposits/prepaid.html for details.
No Overdraft/Credit FeatureContact Netspend by calling 1‑866‑387‑7363, by mail at P.O. Box 2136, Austin, TX 78768-2136, or visit www.netspend.com to learn more about the terms and conditions of your prepaid account.
For general information about prepaid accounts, visit www.cfpb.gov/prepaid. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1‑855‑411‑2372 or visit www.cfpb.gov/complaint.