Why get a NetSpend Card?

• Worldwide Acceptance— Make purchases anywhere Visa Debit Cards or Debit MasterCard is accepted.  Use it in person, online, over the phone, even at ATMs. 
• It Is NOT a Credit Card— There is no credit check, No credit card debt and no interest or late fees.  Certain fees apply to the use of the Card Account. See the Cardholder Agreement for details.
• Go Where Cash Can’t— Make purchases and pay bills online or over the phone.  Even use to reserve hotel rooms or rent a car.
• Keep Your Money Safe and Secure– You are protected from unauthorized transactions² and unlike cash, the card is replaceable if it’s lost or stolen.
• The Convenience of Direct Deposit— Save time and money when you get your payroll, tax refund and government benefits checks automatically loaded to your card.
  • You can get paid up to 2 days faster.³
  • You can get a text⁴ message with your new balance the instant your money is available.
  • Avoid waiting in lines.
  • There’s no fee for direct deposit and enrolling is easy.  Just bring a direct deposit enrollment form with your routing and account numbers to your payroll or benefits provider.
• Money Management Tools– You get 24/7 online access to your transaction history, account balance and budgeting tools at www.netspend.complus, enroll in Anytime Alerts^TM and download the NetSpend Mobile App for account information at your fingertips.
• Access More Features – NetSpend has the card that does more.  Earn cash back with NetSpend Payback Rewards,⁵ Earn up to 5.00% APY with an optional Savings Account⁶ plus, add cash at any USA Checks Cashed or at any of the more than 130,000 NetSpend Reload Network locations in the U.S.

You won’t believe how quick and easy it is to get a card at USA Checks Cashed.  Just give us a few minutes and we can put the strength, security, flexibility and all the other benefits of a NetSpend Visa Prepaid Card or NetSpend Prepaid MasterCard right in your wallet. 

Just come on in to your local USA Check Cashed Store or Register/Apply On-line and your card will be in the mail to you in 24 hrs.

• 1 The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. You will be asked to provide your name, street address, date of birth and other information that will allow the financial institution to identify you. You may also be asked to provide documentation and proof of identification.
• 2 You must notify NetSpend promptly of any unauthorized use. See the Agreement and contact NetSpend for additional details.
• 3Faster access to funds is based on comparison of NetSpend’s immediate availability policy versus the typical banking practice of posting funds only after settlement.   Direct deposit and faster direct deposit capability is subject to payor’s support of the feature and timing of payor’s funding. 
• 4 NetSpend does not charge for these service,  but your carrier may charge for text messages and/or data transmission.
• 5 NetSpend Payback Rewards is an opt-out program. NetSpend will automatically send personalized reward offers based on your shopping history – your personal information will not be shared with merchants. Rewards are credited to your Card Account. To see program FAQs and to opt-out at any time, visit the Account Center at www.netspend.com. Program sponsor: NetSpend. MetaBank™ is unaffiliated with the program and neither endorses nor sponsors it.
• 6 The Savings Account is made available to Cardholders through MetaBank; Member 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.
• 7 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%.
• 8 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%, and the interest paid on the portion of the Average Daily Balance which is $5,000.00 or less will be 4.91%.
• 9 The interest rates and APYs of each tier may change. The APYs were accurate as of December 1, 2013. 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 upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.
• 10 The NetSpend Visa Prepaid Debit Card is issued by MetaBank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.  The NetSpend Prepaid MasterCadr is issued by MetaBank, Member FDIC, pursuant to a license by MasterCard International Incorporated.  NetSpend, a TSYS® Company, is an authorized Independent Sales Organization pursuant to an agreement with MetaBank. Use of the Card Account is subject to funds availability. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

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