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NetSpend Prepaid MasterCard
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NetSpend® Prepaid MasterCard®

What is a NetSpend Prepaid MasterCard?

If you're looking for a new way to manage your money, a NetSpend Prepaid MasterCard is the right financial tool for you. It's a prepaid card that lets you conveniently pay for everyday expenses, including making insurance payments online.

What are the perks of a NetSpend Prepaid MasterCard?

When it comes to managing your money, the NetSpend Prepaid MasterCard can help you not just get by, but get ahead. Here are some of the benefits:

  • No credit check1
  • No hidden fees
  • Funds are FDIC-insured9
  • Pay your bills online3
  • Get paid up to 2 days faster with direct deposit2
  • Load checks from your mobile phone4
  • Transfer funds online to other NetSpend Cardholders at no cost5
  • Use the Online Account Center to track expenses6
  • Use Anytime Alerts™ to get text messages and emails about account activity7
  • Load cash at more than 130,000 NetSpend reload locations nationwide8

How do I get started?

Start your application for a NetSpend Prepaid MasterCard today. All it takes is some basic information from you and a personalized card will arrive in 7-10 days. Activate the card and fund it to start using it to make Direct Auto & Life Insurance payments.

Learn More About Direct

Want to get in-the-know with all Direct has to offer? We're dedicated to helping you find the best financial solution for your insurance needs. Call us at 1-877-GO-DIRECT (1-877-463-4732) or come into one of our many store locations to talk to a representative today.

1 IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions 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 other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid card is subject to initial load limitations, may not be used for ATM use, international transactions or account-to-account transfers, or be reloaded. Residents of the State of Vermont are ineligible to open a Card Account.

2 Upon successful activation and registration of the Card Account, funds on deposit at The Bancorp Bank, Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at The Bancorp Bank.

3 Some bill payment services are subject to fees. See the Online Account Center for details about the range of methods offered through third-party service providers.

4 Faster access to funds is based on comparison of NetSpend’s immediate availability policy versus the typical banking practice of posting funds only after settlement. Direct Deposit and earlier availability of funds are subject to payor’s support of this feature and timing of payor’s funding. Check with your payor to find out when the direct deposit of funds will start.

5 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.

6 No fee for online account-to-account transfers; transaction fees and other costs, terms, and conditions are associated with the use of this card, including a $4.95 fee for each account-to-account transfer facilitated via a live Customer Service Agent. Use of card is also subject to funds availability. See the Cardholder Agreement for details.

7 NetSpend does not charge for this service, but your wireless carrier may charge for messages or data.

8 Fee may be assessed by reload location and may vary from location to location.

The NetSpend Prepaid MasterCard is issued by The Bancorp Bank, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend, a TSYS® Company, is an authorized representative of The Bancorp Bank. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to funds availability and ID verification. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details. 

MasterCard is a registered trademark of MasterCard International Incorporated. 

Card may be used everywhere Debit MasterCard is accepted. 

Direct General Consumer Products, Inc. engages in the money transmission business and/or sale of stored value products as an authorized delegate of NetSpend Corporation under Chapter 151 of the Texas Finance Code.

©2016 Total System Services, Inc.® TSYS and NetSpend are federally registered U.S. service marks of Total System Services, Inc. All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program. All rights reserved.

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