A Netspend® Visa® Prepaid Card from Check City is a way to manage your money with a reloadable card. Enjoy the convenience of a reloadable card with features like no credit check,(1) and no minimum balances.

Your Netspend Visa Prepaid Card use and available features are subject to card activation and identity verification.(1)

Below we'll go over a few common questions about Netspend Prepaid Cards.

What is Netspend?

Netspend is a prepaid card provider. Their prepaid products can be used for personal everyday spendings like groceries, online shopping, and more. Prepaid cards let users manage their money in their own way.

What is a prepaid card?

Prepaid cards are much like regular cards, but without a traditional bank or checking account. That's right, you don't need a checking account or a bank membership in order to enjoy a Netspend card from Check City.

Instead, a prepaid card user can simply load money(2) onto their card and use it anywhere cards are accepted.

How much does it cost to get a card?

Check City charges just $4.95 for a Netspend Prepaid Card. But if a customer loads more than $500 onto their temporary card, then the $4.95 card purchase fee gets waived.

Do I pay interest?

This is not a credit card,(1) so you do not pay any interest or late fees on the card.

What is required to get a prepaid card? (1)

  • Basic Contact Information
  • Basic Customer Information
  • Government ID 
  • Social Security Number

Where can I get a prepaid card?

You can also order your prepaid card online. Take advantage of this process from the convenience of your phone(4) or computer. The online process includes filling out a short application with your first and last name, street address, and email address.

After you've filled out the form and finished ordering the card, you'll get your prepaid card sent to you in the mail. You can start using the card once it arrives.

Where can I reload my Netspend card?

You can reload(2) your Netspend card at a Check City store or online. 

To reload your card online,(4) first, link your bank account to your online Netspend card account. 

Then whenever you want to reload your Netspend card, you can just log into your account online and add funds from your linked bank account.

Do I need a minimum balance on the card?

There is no minimum balance required for the card.

Do I have to go into a Check City store to load money onto the card?

You can load your card at any of the more than 130,000 Netspend Reload Network locations in the U.S.(2)

What if my card is lost or stolen?

Log into your Online Account Center to report the card as lost or stolen. You can also contact Netspend Customer Service immediately by calling 1-866-NETSPEND (1-866-387-7363).

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 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.

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

4 Fees for bank transfers are determined by the transferor’s bank and may be charged to the transferor’s bank account by the service provider or originating bank. No cost for online or mobile Account-to-Account transfers between Netspend Cardholders; a $4.95 fee applies to each such transfer conducted through a Netspend Customer Service agent.

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. 

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