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You are here: Home / Banks / Netspend All-Access Review

Netspend All-Access Review

December 29, 2021 by Rob Berger

The Netspend All-Access account is a low-fee checking account and optional savings account. It offers early direct deposit, mobile check deposit and free ATMs. It does, however, charge a $5 monthly fee.

Netspend All-Access
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Our Rating
4.0/5.0

Account Types

  • Checking
  • Savings

Key Features

  • Early Direct Deposit
  • Free ATMs

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

APY6.00%
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:

Chime Chime
Read our Review
  • Get paid up to 2 days early^ with direct deposit
  • Track your account balances and daily transactions with the Chime mobile app
  • Get daily balance notifications and instant transaction alerts
  • Send money instantly¹ to friends
  • Chime Visa® Debit Card
  • 1.00%+ Annual Percentage Yield (“APY”)
  • No monthly fees
  • No minimum balance requirements
  • 60,000+ fee-free˜ MoneyPass® and Visa® Plus Alliance ATMs
OnJuno OnJuno
Open an Account
  • Earn up to 1.20% bonus on checking
  • Earn up to 5% cash back
  • No monthly fees on basic account
  • No ATM fees
  • No overdraft fees
  • No minimum balance requirements
Is the Netspend All-Access account a prepaid card?

No. While Netspend is best known as a prepaid card company, the All-Access account is the company’s first entry into the world of banking.

is the Netspend All-Access account FDIC insured?

Yes. Netspend has partnered with Metabank, an FDIC-insured bank founded in 1955.

Is the Netspend All-Access account free?

No. It charges a $5 monthly fee, in addition to other fees depending on how you use the account.

About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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About Allcards.com

Rob Berger founded allcards.com in 2008 to help consumers make data-driven decisions about credit cards and banking. A retired trial attorney, he’s written about credit cards, banking and personal finance since 2007, and is the author of Retire Before Mom and Dad.

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