PREPAID DEBIT ACCOUNT

The Netspend® Debit Account You Can Rely On

A smarter way to manage your everyday money. No credit check, no minimum balance, and a convenient prepaid debit account designed for your lifestyle.

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  • Over 10 MillionHappy Cardholders
  • Member FDICFunds are FDIC Insured1

Funds in the Netspend® Account are held at The Bancorp Bank, N.A., Member FDIC. The Netspend Prepaid Mastercard® is issued by The Bancorp Bank, N.A., pursuant to license by Mastercard International.

  • Use Everywhere Debit Mastercard® is Accepted
  • Get Paid Up to 2 Days Faster3
  • Access Your Cash at 90,000+ ATMs
  • Account Alerts to Stay in Control
  • Your Money is Secure
  • No Overdraft Fees4

SMART. SIMPLE. FLEXIBLE.

A Prepaid Debit Account That Works for You

Netspend gives you the tools you need to manage your money, your way.

  • The Netspend mobile app showing an account balance

    Mobile App Management

    Check your balance, move money, pay bills and more — all from the Netspend mobile app.

  • Adding cash to a Netspend prepaid debit account

    Load Your Account Your Way

    Add money with direct deposit, cash reloads, bank transfers and more.

  • A padlock representing Netspend account security

    Security You Can Trust

    Fraud protection, account alerts and 24/7 account monitoring.

  • Opening a Netspend prepaid account on a phone

    No Credit Check, No Problem

    Open your account in minutes. No credit check or minimum balance required.

HOW IT WORKS

Get Started in Minutes

  1. 1

    Visit Any Location

    Stop by any Check Cashing USA location.

  2. 2

    Get Your Card

    Pick up your Netspend Prepaid Debit Card.

  3. 3

    Start Using It

    Load funds and start shopping, paying bills, and more.

WHY CHOOSE NETSPEND AT CHECK CASHING USA?

Built for Everyday Life

From everyday purchases to bill payments, Netspend makes managing your money simple and secure.

  • 10M+ Cardholders Trust Netspend
  • 200K+ Retail Locations to Load Cash
Netspend

COMPARE FEATURES

Netspend® Debit Account Benefits

FEATURES NETSPEND® DEBIT ACCOUNT TRADITIONAL BANK ACCOUNT
Monthly Fees $0 with qualifying direct deposit1 Often $5 – $15
Minimum Balance No minimum balance Often required
Credit Check No credit check Credit check may be required
Overdraft Fees No overdraft fees2 Often $30+ per fee
Account Access Online, Mobile App, ATMs, In-Store Limited by bank hours
Direct Deposit Get paid up to 2 days faster3 Standard processing

Frequently Asked Questions

What is a Netspend® Prepaid Debit Card?

It is a reloadable prepaid debit account you can use anywhere Debit Mastercard is accepted. You load your own money onto it — there is no credit line, no interest and no bank account required.

How do I get a Netspend card?

Walk into any Check Cashing USA location with a valid government-issued photo ID. Our team will set up your account and hand you your card the same visit.

Do I need a bank account?

No. A Netspend prepaid debit account works without a traditional bank account. You can load cash in store and manage everything from the mobile app.

Is there a credit check?

No. Opening a Netspend account does not involve a credit check, and it does not affect your credit score.

Where can I use my card?

Anywhere Debit Mastercard is accepted — in stores, online, over the phone and for recurring payments.

Can I shop online?

Yes. Use your card number, expiration date and security code just like any other debit card at online checkouts.

How do I add money to my card?

Load cash at any Check Cashing USA branch, set up direct deposit from your employer or benefits provider, or transfer funds from a bank account.

Can I withdraw cash at ATMs?

Yes. Your card works at over 90,000 ATMs nationwide, and you can also get cash back at participating retailers.

Is my money secure?

Yes. Eligible funds are held at The Bancorp Bank, N.A., Member FDIC, and the account includes fraud protection, account alerts and 24/7 monitoring.

Can I receive direct deposits?

Yes. Give your employer or benefits provider your account and routing numbers and your pay can arrive up to two days faster than a paper check.

Can I pay bills with my card?

Yes. Pay bills from the Netspend mobile app, or use your card number wherever your biller accepts debit cards.

Can I use my card internationally?

Yes. The card is accepted worldwide anywhere Debit Mastercard is honored. Foreign transaction charges may apply — see your Cardholder Agreement.

What Our Customers Are Saying

I had an excellent experience here! The staff was friendly, professional, and made the whole process quick and easy.

- Carrianna Oliver

Check Cashing USA made everything quick, easy, and stress free while still making me feel welcomed and valued as a customer.

- Marsha Lemaistre

I've been here twice and the customer service is immaculate. The workers are very friendly and polite.

- Epthious Farrell

TRUSTED. RELIABLE. SECURE.

Your Money Matters

Netspend is trusted by millions and backed by The Bancorp Bank, N.A., Member FDIC. Your eligible funds are FDIC insured up to $250,000.

Member FDIC — funds insured up to $250,000
  1. Funds are held at The Bancorp Bank, N.A., Member FDIC, and are FDIC insured up to $250,000 through the issuing bank. Monthly fee waiver requires a qualifying direct deposit. See the Netspend Cardholder Agreement for full terms.
  2. The account does not offer an overdraft line of credit. See the Netspend Cardholder Agreement for the complete fee schedule.
  3. Faster funding depends on when your payer submits the deposit and is not guaranteed.
  4. Other fees may apply. See the Netspend Cardholder Agreement for details.

Netspend and the Netspend logo are trademarks of Netspend Corporation. Mastercard is a registered trademark of Mastercard International Incorporated. Check Cashing USA is an authorized retail distributor.