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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 Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account.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.
With Netspend®, you can open a Savings Account with up to a 5.00% Annual Percentage Yield (APY) to increase your savings potential.[2]
Simply transfer money from your Netspend Card Account to your Netspend Savings Account to start earning interest on the money you set aside—no hassle.
Choose from a few options:
- Make transfers between your Netspend Savings Account and your Netspend Card Account
- Set up AutoSave to automatically transfer an amount you choose to your Netspend Savings Account every time you load funds to your Card to take the work out of saving.
Don’t worry if you need money from your Savings Account. You can transfer it back to your card account up to 6 times per calendar month.
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]
Netspend does not charge for this service, but your wireless carrier may charge for messages or data.
Anytime Alerts™
BE NOTIFIED ON-THE-GO
Get email or text alerts about card transactions.[4]
The Online Account Center
MANAGE YOUR MONEY FROM HOME
Create budgets, manage your preferences, and more.