netSpend Prepaid cards
netSpend is a TSYS Company that has been offering payment services to the American market with the use of prepaid reloadable cards since 1999. The company is based in the United States with headquarters in Austin, Texas and additional offices around the country including Atlanta, Georgia; Charlotte, North Carolina; and San Mateo, California. netSpend is an easy and convenient way to get paid without requiring customers to have a bank account. Whether you’re receiving payroll or cashing out winnings from an online casino, the money is deposited directly and withdrawn using an FDIC insured prepaid Visa or Mastercard.
How does netSpend work?
Registering an account with netSpend is easily done via the website. There is no credit check involved but you will need to provide your name, address, birth date and other information that will be used to identify you, just as you would with a traditional bank account. Remember this is an American company and it must comply with the Patriot Act as do all banks in the US. Simply put, the Patriot Act requires financial institutions to know their customer. Your identity will be attached to this card so it’s not really any different than having a bank account. netSpend is often used by those that are unable to obtain an account with a bank or prefer to use another option when making purchases online etc.
Within a week or so after registration you’ll receive a new prepaid debit card. This is different from a credit card because there is no credit limit attached to it. The money is preloaded on to the card and you are limited by the amount of money you have available to you. On the plus side, this is not a gift card that you use once and throw away. You will use the same card over and over by continuing to add funds to it.
Once you receive the prepaid card, you must activate it, select a fee plan and create an account to view transactions. The next step is setting up a direct deposit for anything from your payroll to government benefits, tax refunds or casino winnings. You can also transfer money directly from PayPal or use one of the 100,000 NetSpend Reload Network Locations across the US to deposit cash or checks.
How can you receive direct deposits with a prepaid card? netSpend has a routing number or ABA that you will provide along with your account number. The routing number is available under your account details online or can be provided over the phone. As soon as the direct deposit is made, the funds are available to use on your card.
Card Limits are $4,999.99 every 24 hours unless you are withdrawing cash from an ATM, which is limited to $325.00 per withdrawal and a total of $940.00 per day.
Fees vary based on the program you sign up for. There are plenty of fees for almost everything you would use the card for accept direct deposits and maybe a few other things; however you ARE charged for ATM withdrawals, declined transactions, certain types of transfers, lost/stolen cards, additional cards, foreign transactions, overdrafts and the list goes on. Be sure to check out the website and take note of the fees to be sure you are comfortable paying them.
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