Why Did I Get A Netspend Card In The Mail? Here’s Why

Written By Shalini Kapoor
Reviewed by Daisy Martinez
Last update:
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

We often receive queries like, “Why did I get a Netspend card in the mail?” the answer is simple. The IRS may have sent you a tax refund through Netspend. If that’s unlikely, then Netspend might be sending you promotional mail to signup. You can activate the card and use it anywhere. Debit Visa or Mastercard are accepted.

In this thoroughgoing article, we will let you know what to do with your Netspend all-access card, its features, and its pros and cons.

What’s to come:

Why Did I Get A Netspend Card In The Mail?

You can get a NetSpend pre-paid card without filling out an application. The business aims to entice customers to sign up and make deposits. There is also a chance that the IRS might send you a Netspend card with the amount of your most recent tax refund on it.

You might get money in the mail if the IRS doesn’t have your direct deposit information on file. The payment can be made with a check or prepaid debit card. The IRS might send you a Netspend prepaid debit card, for example.

How to Recognize a Legitimate Netspend Card?

However, it’s wise to take caution whenever you receive unexpected mail or offers, and you should always double-check the company’s legitimacy before giving out any private details or activating a card.

The NetSpend cards are delivered by the US Treasury in a white envelope. The MetaBank-issued prepaid debit card features the Visa logo on its front side. “Money Network” is also written on the opposite side of the card.

The Netspend All-Access Card

NetSpend is a provider of prepaid debit cards. You can use a Netspend Prepaid Debit Card to make purchases in stores, over the phone, and online. It can be used anywhere Mastercard and Visa debit cards are accepted. We withdrew money from ATMs all over the world. You can pay your bills, rent, and other essentials.

What Is The Netspend All-Access Card? 

Netspend’s All-Access Card is linked to Netspend’s All-Access Debit Account, so it functions similarly to a traditional debit card. The debit account is a standard bank account that includes features such as direct deposit, tax refunds, and mobile cheque deposits.

Features And Benefits Of The Netspend All-Access Card

If you want to open a Netspend account, you don’t need to worry about your credit score or banking history. We recommend this for people who have bad credit or past banking issues, as well as those who want these benefits:

  • Get your salary and government payments up to two days faster with direct deposits.
  • Use virtual cards for online or phone purchases without sharing your card details. You can request up to six active virtual cards that expire at the end of the month.
  • Withdraw cash from over 32,000 ATMs in the MoneyPass network without any fees.
  • Enjoy a purchase cushion of up to $10 for free if you have a qualifying direct deposit.
  • Earn cashback rewards when you use your debit card for eligible purchases.

The Netspend All-Access Metabank Card

As now we have a clear comprehension of Netspend, you may still be wondering, “Why did I get a Netspend all-access MetaBank card?” the answer is similar to the question “Why did I get a Netspend all-access card” we answered above. In this section, we will get to know the Netspend all-access MetaBank card extensively.

The Relationship Between Netspend And Metabank

The Netspend All-Access Account by MetaBank® is issued by NetSpend, a company that has been providing prepaid cards since 1999. MetaBank, N.A.  Bancorp Bank, Republic Bank & Trust Company, National Association, Regions Bank, and Pathward™use Netspend as a service provider.

The card is an alternative to conventional banking, offering many of the similar services as a local or online bank. Netspend, as a financial technology company, is not a bank, but it collaborates with banks to provide financial services linked to its prepaid cards.

The Features And Benefits Of The Netspend All-Access Metabank 

This card lets you pay with plastic. You don’t need a regular credit card to use it. You can only spend the money you have in your account. This way, you don’t pay extra fees or interest.

You can get this card without a credit check. Everyone can get it. But it won’t help you get a better credit score. You can have a Savings Account with your Netspend All-Access Account. Pathward, N.A., or Republic Bank & Trust Company, offers this account. They are FDIC members. They pay you interest on your Savings Accounts money every three months.

What Are The Drawbacks Of Using A Netspend All-Access Card?

You can’t avoid the monthly fee. There also may be some hidden charges. And some websites don’t take this card. 

Recent Developments Of Netspend All-Access Card 

Netspend has an updated list of different ways how we can deposit money in our Netspend card.

  • Direct Deposit: You can get your paycheck, or benefits check on your Netspend card for free. This is easy and fast.
  • Bank Transfers: You can use your bank account to put money on your Netspend card. You need a checking or savings account or a bank debit card for this.
  • Transfer Money Between Netspend Card Accounts: You can move money from one Netspend card to another.
  • Netspend Reload Network Locations: You can find many places in the U.S. where you can put money on your card. Use our Reload Center locator to find the cheapest ones near you.
  • PayPal®: You can use PayPal to put money on your card. This is a good option for PayPal users.
  • Tax Refunds: You can tell the IRS to send your refund to your Netspend card. This is faster than getting a check in the mail.

Any Recent Changes Or Updates To The Netspend All-Access Card In 2023?

As of 7/1/2023, If you have $2,000.00 or less, you get a 5.87% interest rate and 6.00% APY. The interest rate depends on how much money you have in your Savings Account. If you have more than $2,000.00, you get a 0.49% interest rate and 0.50% APY on the extra money. You still get a 5.87% interest rate on the first $2,000.00. The APY for this case can be from 6.00% to 0.60%. The interest rate and APY can change anytime. 

You don’t need a minimum balance to open or keep the Savings Account. You can take money from the Savings Account through the All-Access Account (up to 6 times per month). But this may lower the interest you earn on the Savings Account. The FDIC insures your money up to $250,000.00 at Pathward, N.A., or Republic Bank & Trust Company.

How Do I Stop Receiving Netspend All-Access Cards?

If you receive this card in the mail, you should take no further action. However, We recommend cutting or shredding the plastic card so that no one can activate it. However, if you’re fed up with receiving additional marketing, We’ve found a few additional actions you can take. 

  • Call Netspend or go online to close your account.
  • Use an ATM to take out cash. Or buy things with your card until you have no money left.
  • Ask Netspend to mail you a check with your money. This will take 3 or 4 weeks and cost $5.95. 

Choose the option that works best for you.


What should I do when I receive a Netspend card in the mail?

Activate your card once it arrives. Follow the printed activation and identity verification instructions that come with your card. It won’t be of any use until you activate it.

Is It Safe to Use Netspend Cards That I Receive in the Mail, or Are They Fake?

All Netspend card transactions are insured by the FDIC (Federal Deposit Insurance Corporation) up to the present coverage limit. Netspend protects its customers’ money from scams by utilizing cutting-edge technology and tools.

What can I purchase using my Netspend card?

You can use a Netspend Prepaid Debit Card to make purchases in stores, over the phone, and online. Use it anywhere that accepts Visa and Mastercard debit cards. 

Can I buy Bitcoin with Netspend?

Yes, you can use a Netspend card to purchase cryptocurrency from a cryptocurrency exchange that takes debit card payments. eToro, Coinbase, Bitstamp, and CEX.io are some of the major exchanges that support this.

What is the monthly fee for NetSpend?

The monthly plan charges $9.95 per month, whereas the pay-as-you-go plan does not. Fortunately, if you receive at least $500 in monthly payroll checks or government benefits, you can lower your monthly plan to $5.

Final Thought

While The Netspend card is popular among government beneficiaries, having all the benefits of other debit cards, you can use it without considering your credit score. So if you receive a Netspend all-access card in your mail, don’t panic. After checking the legitimacy, you can either proceed using the card or choose not to activate it. You have that freedom. 

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Shalini Kapoor is a dedicated financial writer and editor at cashsavvytips.com. Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of cashsavvytips.com.

Content Disclaimer: Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

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