Netspend All-Access Review

Snapshot

• $20 Bonus: after making purchases of at least $200 a month in April, May and June.
• Get Paid Early: Receive your paycheck up to 2 days early with direct deposit to your All-Access Account.
• Payback Rewards: Earn cash back offers on qualifying purchases.
• Mobile Check Deposit: Add check funds to your account with Netspend’s mobile app.
• High Yield Savings Account: Earn up to 6.00% APY with an optional savings account.
• Free ATMs: Waived surcharge fees at MoneyPass ATMs

Editorial Review

The Netspend All-Access is an FDIC-insured checking account offered through Metabank, National Association. Founded in 1955, the bank has partnered with Netspend to offer a low-fee checking account and optional high-yield savings account.

Pros & Cons

Pros

• Get paid up to 2 days early with direct deposit
• $20 bonus offer
• Free MoneyPass ATMs
• Mobile check deposit
• Anytime alerts
• Optional overdraft protection

Cons

• Monthly fee is unavoidable
• Limited mobile app features
  • No budgeting features
  • No savings goal features
• No physical branches

Bank Accounts

Netspend All-Access Account

APY	0.00%
Min. Opening Deposit	$0
Min. Balance Required	$0
Monthly Fee	$5
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Who Netspend All-Access is best for

The Netspend All-Access is an option for those looking for a low-cost checking account. It’s a reasonable alternative for the unbanked and those looking to move away from expensive check cashing stores. At the same time, we think there are better alternatives (see below).

Who would do better with a different bank

The Netspend All-Access is not ideal for those want a bank with a physical branch, a no-fee checking account, or a bank with more features.

Netspend All-Access Alternatives

There are several alternative checking accounts that we think are better than Netspend All-Access: