Prepaid Cards | Netspend

How to Get a Prepaid Card

All you have to do to get a prepaid card is visit a Check City Location near you. Once at your local Check City store, our friendly staff will answer your questions and walk you through the prepaid card process.

Step 1: Visit a Check City near you and request a Netspend Card.

Step 2: A Check City Teller will give you a temporary card and help you load the money you want onto the card.

Step 3: Activate your temporary card and verify your identity(1) right away by calling the number on it or by using the Netspend Mobile App.(2)

Step 4: In 7 to 10 days, you'll receive your personalized Netspend Card in the mail with your name on it.

Check City charges just $4.95 to purchase a Netspend Card. If a customer loads $500 or more onto the temporary card, then the $4.95 purchase fee will be waived.

Where Can I Reload My Netspend Card?

Reloading your Netspend card is convenient. You can reload your card at Check City stores or at any Netspend Reload Location.(3)

Step 1: Bring your Netspend card into any participating Check City location and ask a staff member to load(3) more money onto your card.

Step 2: If you purchased your Netspend card from Check City then your reload fee is only $2.00. Otherwise, reload fees can vary up to $3.95 at other locations.(3)

The Benefits of a Netspend Card

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No Credit Check (1)

You can get a Netspend Prepaid Card from Check City without the hassle of a credit check(1) because it’s not a credit card.

No Minimum Balance Requirements

You also don't have to maintain a minimum balance on your Netspend Prepaid Card at Check City.

Mobile Money Management (3)

The Netspend Prepaid Card also comes with a useful mobile app where you can get text alerts(3) sent to your phone, set up Direct Deposit to get paid up to 2 days faster,(4) and even load checks(5) to your Card Account.

Get Paid Faster (4)

Get your paycheck up to 2 days faster(4) with direct deposit on your prepaid card. You can also get government benefits up to 4 days faster(4) with direct deposit.

Send Money (6)

Transfer(6) money between other Netspend Card Account holders.

Earn Payback Rewards (SM) (7)

Earn offers to redeem for cash back at select merchants.

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Helpful Netspend Resources

1 IMPORTANT INFORMATION FOR OPENING A CARD 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 a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of a Card Account is also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

2 Netspend does not charge for this service, but your wireless carrier may charge for messages or data.

3 The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

4 Faster funding claim is based on a comparison of our 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.

5 Mobile Check Load is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions, and Privacy Policy. Approval review usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card. Unapproved checks will not be funded to your card. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for message and data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card. See your Cardholder Agreement for details.

6 No fee for online account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card, including a $4.95 fee for each account-to-account transfer facilitated via a live Customer Service Agent. Use of card is also subject to funds availability. See the Cardholder Agreement for details.

7 Payback Rewards is an optional program. You may opt-out at any time by visiting the 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. MetaBank®, National Association, and Visa are not affiliated in any way with this program and do not endorse or sponsor this program.

The Netspend Visa Prepaid Card is issued by MetaBank®, National Association, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Netspend is a registered agent of MetaBank, N.A. Card may be used everywhere Visa debit cards are accepted. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Prepaid Cards at Check City