NetSpend is a financial company that offers prepaid debit cards. It offers a reliable alternative to checking account debit cards and credit cards. The company’s headquarters is in Austin, Texas, and is a wholly-owned subsidiary of Total System Services Inc. (NYSE: TSS). One of the most fantastic features is the Netspend mobile check deposit. We shall see how you can deposit checks in Netspend.
The ability to use mobile apps to deposit checks has changed many things about financial transactions. Nowadays, you do not need to line up at a bank or credit union to deposit checks since you can do that from the palm of your hand. The process is simple and cannot take long to complete.
When applying for the card, you provide Netspend with your names and addresses, and the company mails you a personalized card to activate and load with funds. Netspend cards help those who do not have bank accounts to still have access to financial services. Being an online service, it makes it very convenient for the users. Interestingly, the card has no contract, and you can leave the platform at will.
How to get a Netspend card
You can easily apply for the card online when you visit the Netspend card application page. You will not need any credit history, activation fee, or minimum balance to apply for the card. The following is the procedure to apply for the Netspend card.
- Visit the Netspend card application page.
- Fill out your first and last names, street address, Zip code, and email address on the form.
- Choose the kind of payment you would like to receive in direct deposit. These can be a paycheck, tax returns, or government benefits. You can tap “None” if you do not receive any direct deposit with your Netspend Card.
- Choose your Card. Netspend gives you an option to choose the card color that you need.
- Lastly, hit on “Get my card” and wait.
The card takes approximately 7-10 business days to arrive after you place your order. If it takes more than ten business days to receive the card, you should call Customer Service at 1-866-387-7363.
You can also purchase the card at participating retailers such as CVS, Walmart, Family Dollar, or 7eleven. You may pay a purchase fee of up to $9.95, depending on the retailer. If you live in Vermont, you are ineligible to open a Netspend card account.
When you receive your card, you have to activate it to start using it.
What are the features of the Netspend card?
Netspend comes with lots of great features you can enjoy. They include the following.
i) Direct deposit
You can enroll in direct deposit to your Netspend Card and get paid up to two days faster. You can receive government benefits, tax returns, and paycheck via your card.
ii) Payback rewards
You can earn cashback when you purchase from qualifying stores using your card.
iii) Mobile App
The mobile app allows you to view your balance as well as the transaction history. You can also carry out various kinds of transactions over your mobile app. You can transfer money from Netspend to a bank account by just using simple steps.
iv) Anytime alerts
You can receive text alerts about your deposits, transactions, and budget notifications when you enroll. Transaction notifications help you notice any suspicious activity in your account and take the necessary measures to curb them.
v) Card personalization
You can customize your card and make it appear as you would like. You can add a family photo, your art, or any other image that you feel suits you.
vi) Mobile check deposit
You can use the Netspend app to deposit checks instead of taking them to your bank for deposit.
How to deposit checks in Netspend
You can quickly deposit a check in your Netspend account in the following manner.
- Open your Netspend app to log into your account. Make sure that your app is up to date.
- Check around and find “Mobile Check Load” from the menu to the left-hand side.
- Follow on-screen instructions. You will need to sign and take photos of your check. The funds will reflect in your account within minutes.
Fees for processing the check may apply.
How does Netspend work?
There are various ways you can use Netspend. Before using your Netspend Card, you must first load it with money. There are various Netspend reload centers where you can load your Prepaid Card at a fee. They include the following plus the fees you pay.
- 7-Eleven- $3.95
- Advance America- $2.00
- Albertsons- $3.95
- Exchange- $2.00
- CVS Pharmacy- $3.95
- Dollar General- $3.95
- Family Dollar- $3.95
- Flying J- $3.95
- Food City- $3.95
- Kroger- $3.95
- Office Depot- $3.95
- Rite Aid- $3.95
- Shell- $3.95
- Speedway- $3.95
- Walgreens- $3.95
- Walmart- $3.74
- Winn-Dixie – $3.95
- Check ‘n Go- No fee
- Chevron- $3.95
- Circle K- $3.95
You can also load your card using your bank account when you link the two platforms together. Once you have reloaded your card, you can then start using it for various transactions. The card allows you to do the following.
1) Buy goods and services
You can purchase goods and services at various online as well as physical stores using a NetSpend card. Furthermore, you can pay for services such as hospital bills, electricity bills, internet bills, and so much more using your Netspend Card.
2) Send and receive money
Netspend allows you to send money to others right from the app. You can send money to other Netspend cardholders, ACE Elite, Control, and Purpose cardholders.
When sending money, you need the other person’s name and their FlashPay ID. You log into your Online Account Center, enter the recipient’s name, FlashPay ID, and the amount to transfer, and you are done. You can find the FlashPay ID in your online Account Center.
Likewise, if I want someone to send me money to my Netspend card, I will need to give them my name and FlashPay ID.
3) Transfer money to a bank account
Netspend allows you to move money to a bank account in a few simple steps. All you need is to link your Netspend account to your bank account, and you can move money between the two accounts.
4) Direct deposit
Netspend allows you to receive your funds via direct deposit. The direct deposit feature works with various checks, which include;
- Work paychecks
- Supplemental Security Income
- Pensions
- Railroad retirement benefits
- Defense finance and accounting service payments
- Tax refunds
- Social Security benefits
- State unemployment benefits
- Government disability benefits-SSDI or workers compensation (varies by state)
- Veterans benefits
5) Wire transfers
You Can receive money in your account via wire transfers. Netspend supports Western Union wire transfers, whereby the feature supports certain cards only.
6) Withdraw at an ATM
Netspend allows you to withdraw money at an ATM. You can easily withdraw money from my Netspend card for free at various ATMs across the country.
How do I check Netspend balance?
It is always important to know your balance so that you can plan your transactions well. You can check your Netspend balance when you log into your Online Account Center. Checking your balance is free at any given time.
You can also sign up for alerts to receive a text message with your balance after each transaction. To receive your balance via text, you can sign up for the alerts by texting ”BAL” to 22622. Alternatively, you can call 1-866-387-7363 or make an inquiry at any participating ATM for a 50 cent fee.
Where can I withdraw money from the Netspend account for free?
Netspend charges you withdrawal fees when you withdraw over the counter or use out-of-network ATMs. The following are some of the ways you can withdraw money for free.
a) Use Metabank ATMs
You can withdraw money for free at a Metabank ATM with the logo ”who has privilege status.” Metabank is one of the banks that links to Netspend, and thus it is responsible for Netspend accounts management.
b) Use MoneyPass ATMs
You can withdraw funds at MoneyPass ATMs for free if you have a MoneyPass Netspend ATM card. You can use the ATM locator in your NetSpend app to find the closest ATM point.
c) Visa Plus Alliance ATMs
You can withdraw money for free at the Visa Plus Alliance ATMs since Netspend works with the company.
Can you transfer funds from Netspend to Cash App?
Cash App is a mobile money platform that allows you to send and receive money. You can transfer money from Netspend to Cash App when you add the card details to your Cash App account.
You can add a Netspend card to the Cash App account by navigating to the add bank section, then enter your Netspend routing and account numbers. When you do not have enough balance, you will use Cash App to fund your Netspend transactions.
Bottom line
Netspend is a financial institution that issues prepaid debit cards with no credit check, no minimum balance, or account opening fee. Netspend allows you to send and receive money, withdraw from ATMs, and deposit checks. You can order your Netspend Card online or buy from any of the participating retailers. Netspend allows you to transfer money to a bank account.
