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 * Prepaid Card
   * Card Overview
   * How It Works
   * Card Benefits
   * Direct Deposit
   * Fee Plans
   * Reload Locations
 * Debit Account
   * Account Overview
   * Direct Deposit
   * Account Security
   * Move Money
 * Business Solutions
   * Overview
   * Embedded Finance
   * Employer Payments
   * Disbursements & Money Movement
   * Card Programs
 * Help & Support

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Activate Card
Sign up now



 * Prepaid Card
   * Card Overview
   * How It Works
   * Card Benefits
   * Direct Deposit
   * Fee Plans
   * Reload Locations
 * Debit Account
   * Account Overview
   * Direct Deposit
   * Account Security
   * Move Money
 * Business Solutions
   * Overview
   * Embedded Finance
   * Employer Payments
   * Disbursements & Money Movement
   * Card Programs
 * Help & Support

Log in
Activate Card
Sign up now
Debit Account
 * Account Overview
 * Direct Deposit
 * Account Security
 * Move Money

Sign Up Now


NETSPEND® ALL‑ACCESS® ACCOUNT1 REINVENTING MOBILE BANKING

Email Address
Get Started

Activate your Debit Card

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

Get paid up to 2 days faster2 with Direct Deposit, earn cash back offers3, and
add an optional High Yield Savings Account.4


Your funds on deposit are FDIC insured up to $250,000 through your issuing bank,
subject to aggregation of all funds held on deposit.

Faster funding claim is based on a comparison of the 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.

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 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. Visa, and Mastercard are not affiliated
in any way with this program and do not endorse or sponsor this program.

The optional Savings Account linked to your Netspend All-Access Account is made
available to Accountholders through Pathward, N.A., Member FDIC. Interest is
calculated on the Average Daily Balance(s) of the Savings Account and is paid
quarterly.

 * If the Average Daily Balance is $2,000.00 or less, the interest rate paid on
   the entire balance will be 5.87% with an annual percentage yield (APY) of
   6.00%.
 * If the Average Daily Balance is more than $2,000.00, the interest rate paid
   on the portion of the Average Daily Balance which exceeds $2,000.00 will be
   .49% with an APY of .50%, and the interest paid on the portion of the Average
   Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier
   will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as
of 12/1/2022. No minimum balance to open Savings Account or obtain the yield(s).
Savings Account funds are withdrawn through the Netspend All-Access Account
(maximum 6 such transfers per calendar month) and transaction fees could reduce
the interest earned on the savings account. Funds on deposit are FDIC insured
through Pathward, N.A. For purposes of FDIC coverage, all funds held on deposit
by you at Pathward, N.A., will be aggregated up to the coverage limit, currently
$250,000.00.


PERKS TO OWN YOUR FINANCIAL FUTURE


EARN MORE THAN 12X THE NATIONAL AVERAGE WITH AN OPTIONAL SAVINGS ACCOUNT5

Earn up to 6.00% Annual Percentage Yield on a High-Yield Savings Account4





YOUR EVERYDAY SPENDING CAN EARN CASH BACK OFFERS

Get cash back offers on qualifying purchases with Payback Rewards3




GET UNLIMITED SURCHARGE‑FREE CASH WITHDRAWALS AT MONEYPASS ATMS6

Enjoy access to over 37,000 MoneyPass ATMs and unlimited surcharge-free
withdrawals





GET PAID UP TO 2 DAYS FASTER WITH DIRECT DEPOSIT2

Learn More

Deposit Account opening is subject to registration and ID verification.1


SHORT ON FUNDS?
WE'VE GOT YOUR BACK.

Optional Overdraft Service7 gives you a 24-hour grace period. Avoid an overdraft
fee if you bring your Account to a positive available balance within 24 hours
from the time of the first transaction that created the negative balance.


A FULL‑FEATURED MOBILE BANKING EXPERIENCE

Banking services provided by Pathward, N.A. and Republic Bank & Trust Company,
Members FDIC.


SHOP AND PAY BILLS ANYWHERE

Visa Debit or Debit Mastercard are accepted. Use the card or use your phone and
add it to your digital wallet.




ADD AND MOVE MONEY WITH EASE

Easily move funds between your spending and Savings Accounts.




STAY ON TOP OF YOUR MONEY WITH REAL-TIME ALERTS

Get Anytime Alerts whenever money is added to your account and available to
spend, or when it's used for purchases.




PAUSE YOUR CARD WITH CARD CONTROLS

Wallet lost or stolen? The Card Controls feature blocks your card and we'll
handle the rest.


Get Started

Deposit Account opening is subject to registration and ID verification.1


BUILD YOUR FINANCIAL FUTURE WITH AN ALL‑ACCESS ACCOUNT

Open an Account

Deposit Account opening is subject to registration and ID verification.1




   CONNECT WITH US

 * Facebook
 * Twitter
 * LinkedIn
 * YouTube
 * Instagram

 * Prepaid Cards
   * Prepaid Debit
   * Skylight ONE
 * Business Solutions
   * Business Overview
   * Payroll Cards
   * Tip Solutions
   * Card Programs
   * Incentives
   * Disbursements
 * About Netspend
   * About Netspend
   * Press Room
   * Testimonials
   * Scholarship
   * Blog
   * Working at Netspend
 * Help & Support
   * FAQs
   * Contact Us
   * Privacy & Security
   * Money Transmitter Licenses
   * Privacy Policies
   * Prepaid Fee Schedules

Log in
Activate Card
Locations
Contact us

Your funds on deposit are FDIC insured up to $250,000 through your issuing bank,
subject to aggregation of all funds held on deposit.


DDA HOME DISCLOSURES

Text

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 the Pathward, N.A. and
Republic Bank & Trust Company's 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. Rewards are credited to
your Account and are not available in the form of a check or other direct
payment method. Rewards earned through Netspend Payback Rewards are separate
from rewards earned through any other rewards program. 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., Republic Bank & Trust Company, Visa, and Mastercard are not affiliated in
any way with this program and does not endorse or sponsor this program.

4 The optional Savings Account linked to your Netspend All-Access Account is
made available to Accountholders through Pathward N.A. or Republic Bank & Trust
Company; Members FDIC. Interest is calculated on the Average Daily Balance(s) of
the Savings Account and is paid quarterly.

• If the Average Daily Balance is $2,000.00 or less, the interest rate paid on
the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.

• If the Average Daily Balance is more than $2,000.00, the interest rate paid on
the portion of the Average Daily Balance which exceeds $2,000.00 will be .49%
with an APY of .50%, and the interest paid on the portion of the Average Daily
Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will
range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as
of 4/1/2024. No minimum balance to open Savings Account or obtain the yield(s).
Savings Account funds are withdrawn through the Netspend All-Access Account
(maximum 6 such transfers per calendar month) and transaction fees could reduce
the interest earned on the savings account. Funds on deposit are FDIC insured
through Pathward, N.A. or Republic Bank & Trust Company. For purposes of FDIC
coverage, all funds held on deposit by you at Pathward, N.A. or Republic Bank &
Trust Company, will be aggregated up to the coverage limit, currently
$250,000.00.

5 Based on the national rate as of 10/16/2023 which is published by the FDIC and
is calculated based on a simple average of rates paid by all insured depository
institutions and branches for which data are available. To find the latest
national rate as published by the FDIC, please visit
https://www.fdic.gov/regulations/resources/rates/.

6 No ATM-owner surcharge on ATM Cash Withdrawals conducted at any MoneyPass
network ATMs. Visit your Online Account Center or www.moneypass.com to find a
list of MoneyPass network ATMs. All other ATMs may apply a surcharge assessed by
the institution that owns the terminal or network in addition to the ATM Cash
Withdrawal Fee disclosed in your Deposit Account Agreement. Waiver applies only
to ATM Cash Withdrawal Fees and does not apply to any Balance Inquiry Fees
assessed at MoneyPass network ATMs.

7 The Debit Card Overdraft Service is an optional service made available to
eligible Netspend All-Access customers by Pathward, N.A. and Republic Bank &
Trust Company. Once you enroll and meet the eligibility requirements, you will
be charged $20.00 for each transaction that overdraws your account by more than
$10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee,
you have twenty-four (24) hours from the time of the first transaction that
creates the overdraft to bring your Account back to a zero ($0.00) or a positive
balance. Transactions subject to an overdraft fee are signature and PIN purchase
transactions and ATM transactions. ACH Debit transactions are not eligible for
coverage. Any negative balance must be repaid within thirty (30) days. Whether
we authorize an overdraft is discretionary, and we reserve the right not to pay.
For example, we typically will not pay overdrafts if you fail to meet the
eligibility requirements for this service or you attempt too many transactions
or transactions that create too large of an overdraft. Call us at the number on
the back of your card or log in to your Online Account Center for additional
terms and conditions that apply, including initial and ongoing eligibility
requirements for the service. This service is expensive, so we encourage you to
research alternatives before enrolling. Once enrolled, you may opt-out at any
time; however, you are responsible to repay any overdrawn amounts on your
account even if you opt-out of the service.


GLOBAL DDA DISCLOSURES

Text

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.

Netspend® All-Access® is a deposit account that is offered by Republic Bank &
Trust Company, Member FDIC. Netspend is a service provider to Republic Bank &
Trust Company. Certain products and services may be licensed under U.S. Patent
Nos. 6,000,608 and 6,189,787. Fees, terms and conditions apply.

Mastercard and the circles design are registered trademarks of Mastercard
International Incorporated.

Card may be used everywhere Debit Mastercard is accepted.

Card may be used everywhere Visa debit cards are accepted.

Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S.
and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

© 2023 Netspend Corporation. All rights reserved worldwide. Netspend is the
federally registered U.S. service mark of Netspend Corporation. All other
trademarks and service marks belong to their owners.

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