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additional services
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cash academy blog
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what is a payday loan?
What is an installment loan?
What is a personal loan?
what is a title loan
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what is a tax refund advance?
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why check city?
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Online Bank Account

Bank better when you open a Netspend® All-Access® Account.

Banking services provided by Pathward, N.A., Member FDIC. Deposit Account opening is subject to registration and ID verification.1

What is the Netspend® All-Access® Account? 

This is an account option that provides great features like getting paid up to 2 days earlier2 with Direct Deposit and earning cash back offers3 with Payback RewardsSM.

Get Paid up to 2 Days Earlier2

Access your money up to 2 days earlier by setting up Direct Deposit to your All-Access Account.

Get Cash Back3

Earn cash back offers with your All-Access Account on many of your qualifying purchases.

How to Apply

1. Visit a Check City store to start your application.

2. Verify your identity.

3. Pay the applicable fees and load amounts and complete your new Account opening online.

4. Start using your new Account!

To Open an Account

Deposit Account opening is subject to registration and ID verification.1 Registration must be completed online or through the mobile app4. Please bring the following items with you to a Check City store location:

- Name and address (no P.O. boxes)

- Date of birth (you must be 18 or older)

- Your social security number

  1. IMPORTANT INFORMATION FOR OPENING A NEW 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.
  2. Faster funding claim is based on a comparison of Pathward, N.A., 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.
  3. Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. 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: Netspend Corporation. Pathward, N.A., are not affiliated in any way with this program and do not endorse or sponsor this program.
  4. Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

The Netspend® All-Access® Account is a deposit account established by Pathward, National Association, Member FDIC. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

© 2022 Netspend Corporation. All rights reserved. All other trademarks and service marks belong to their owners.

Customer Service:
(800) 404-0254
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Payday Loans are also commonly referred to as Cash Advances, Payday Advances, Payday Advance Loans, and Fast Cash Loans. Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Approval, products, and loan terms may vary based on applicant qualifications and applicable state or federal law. See Rates and Fees for specific information and requirements. Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria. CheckCity.com provides loan services in: Alabama, Alaska, California, Colorado, Idaho, Kansas, Missouri, Nevada, Ohio, Utah, Wisconsin, and Wyoming. In Texas, CheckCity.com acts as a credit services organization/credit access business (CSO/CAB) and will not be the lender for loans obtained through this site; CheckCity.com will instead attempt to arrange a loan between you and an unaffiliated third-party lender.

Customer Notice: A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended as long-term financial solutions. Loan proceeds issued through our website are generally deposited via ACH for next business day delivery if approved by 8pm CT Mon. – Fri.

This is an invitation to send a loan application, not an offer to make a short-term loan. This service does not constitute an offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia. Tosh of Utah, Inc. dba Check City Check Cashing, a payday lender, is licensed by the Virginia State Corporation Commission (License #PL-57). Anykind Check Cashing, LC. dba Check City, a payday lender, is licensed by the Virginia State Corporation Commission (License #PL-21).  The maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details. Utah Customers: For consumer questions or complaints regarding payday loans and/or title loans you may contact our Customer Service Department toll-free at (866) 258-4672. You may also contact our regulator The Utah Department of Financial Institutions at (801) 538-8830. In California, CheckCity.com is licensed by the California Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law, Cal. Fin. Code D. 10.

Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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