PAYBACK REWARDS

Earn Cash Back for Using your Netspend® Card

Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting your Netspend Payback Rewards Summary Page in your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. Netspend will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a Netspend Payback Rewards customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Online Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: Netspend Corporation. The Bancorp Bank, MetaBank®, National Association, and Republic Bank & Trust Company are not affiliated in any way with the program and neither endorse nor sponsor it.

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 Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

Netspend Payback Rewards helps you earn cash back by giving you rewards for some of your everyday purchases.[1]

Card usage is subject to card activation and identity verification.[2]

Offers personalized just for you.
The more you use Payback Rewards, the more offers you will receive—and they will be personalized just for you. Best of all, there’s no cost to participate.

Shop your favorites.
Stores and offers for Netspend Payback Rewards are updated regularly, so check back often!

Credited to your account.
Select offers in your Online Account Center, and watch the rewards pile up! We’ll keep track of the offers you redeem and credit them to your Card Account at the end of the following month.

Reward-ready in 1-2-3

Once you’ve started using your Card for everyday purchases, you’ll begin receiving offers for Payback Rewards.

Visit your Rewards page to see offers customized to your spending habits.

Click to activate the offers you want.

Use your Card at those retailers to redeem your offers.

Ready to change the way you pay?

Order a Card today, and you’ll receive it in the mail within 7-10 business days.

Explore More Features

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.

Mobile Check Load

LOAD CHECKS IN A SNAP

Load checks with a few pictures with your phone.[3]

Learn how it works

The Savings Account is made available to Cardholders through The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company; Members FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an annual percentage yield (APY) of 5.00%.
  • If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of May 7, 2020. These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company, Members FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at The Bancorp Bank, MetaBank, N.A., and Republic Bank & Trust Company will be aggregated up to the coverage limit, currently $250,000.00.

Savings Account

PUT SOME MONEY ASIDE

It never hurts to save some money, and you can earn interest, too.[4]

Read more about saving

Online Account Center

MANAGE YOUR MONEY FROM HOME

Create budgets, manage your preferences, and more.

See the Online Account Center