Prepaid cards are a great banking alternative because you can’t go into debt using the card. This is because your balance on the card is determined by the amount of money you deposit to the card. Once you spend the money you added to the card you have to add more before you can use the card again. Each card has its own process for adding fund to the card and this article review the NetSpend process. The card offers several ways for cardmembers to add funds to their cards. Here is a summary of how you can add money to your NetSpend card:
- Direct Deposit
- Add Cash
- Transfer Money
You can sign up for direct deposit and have your paycheck or government benefits check automatically deposited to your NetSpend card account. You can control how much of your check you have deposited into the account by choosing to deposit all of it or just part. When you use direct deposit you will always get your pay on pay day and you won’t have to cash a paper check anymore. This means you won’t have to pay a fee to cash your check or wait in a check cashing line. Even if you are on vacation you will still get paid on pay day. Direct deposit is safe convenient and easy to sign up for. All you have to do is print the direct deposit for, fill it out, and give it to your employer. You can access the form by logging into your NetSpend Account.
Adding Cash To Your Card
There are two different ways you can add cash to your NetSpend card. You can go to a retail location or purchase a reload pack.
- Retail Locations: You always have the option to add cash to your card account. There are numerous retail locations across the country that allow you to load cash to your card. All you do is take your card to the location and add the dollar amount to the card you want. Most locations charge a small fee for processing the transaction. Load fees are usually around $5 depending on where you go. To find a retail location near you click here.
- Reload Packs: You can also load cash to your card by using a NetSpend Reload Pack. The cost of the reload pack is typically $4.95, but this price can vary based on the retailer. Once you have purchased a reload pack, log in to the Account Center to activate it. One your load your funds they are generally available on your card within a few minutes.
There are two ways you can transfer money to your NetSpend card. You can make a transfer from a bank account or from a PayPal account.
- Bank Transfers: You can add money to your debit card directly from your checking or savings accounts. Most banks do not charge a fee for this kind of transfer, but some banks do. The money is normally available on your card in 3 to 4 business days.
- PayPal Transfers: You can transfer money from your PayPal account to your NetSpend card for free. Your money will be available on your debit card in 2 to 3 business days.
Checking Your Account Balance
You can easily check your account balance anytime you want. NetSpend provides several convenient ways to check you balance so you always know where your at with your account. You can log into your NetSpend online account and check you balance anytime at netspend.com. You can also send a text message to 26222 with the message BAL. You will then get a response back with your account balance right to your cell phone. Checking your balance through your online account and via text message are both free to all members. You also have the option to call the NetSpend customer service to get your account balance. NetSpend does charge members a fee for using this service.