Do you want to deposit a check via Netspend and wondering how to do it?
Does Netspend accept 3rd party checks?
Can you deposit a check on the Netspend card at ATM?
If these are your questions, you have visited the right place. In this post, we have explained all you need to know about depositing a check with Netspend.
So, let’s get started.
Netspend started in 1999, is a leading prepaid card provider in the USA. It’s not a scam, as most people think, due to their unusual marketing strategy of sending people prepaid debit cards in their mail.
Netspend prepaid debit cards can be used anywhere Debit MasterCard, and Visa debit cards are accepted. Netspend cards can be used to purchase items both in online and offline stores. Moreover, you can also use it to withdraw money from ATMs worldwide.
To get a Netspend prepaid MasterCard and Visa cards, there are no credit checks, and no minimum balance is required.
Netspend also provides the feature to deposit a check via its mobile app that is available on both Android and iOS devices.
Let’s learn more about it in detail below.
Can I deposit a check on my Netspend card at ATM
Quick Answer: No, you cannot deposit a check on your Netspend card at an ATM.
ATMs don’t cash checks. You can deposit a check at some ATMs, but you don’t have access to that money until the bank opens the ATM, removes the deposits, and processes the check.
Otherwise, people would simply put blank pieces of paper in the envelope and say it was a deposit.
If it’s an ATM at your own bank that allows deposits, and you have enough money in your own bank account to cover the amount of the check, you could deposit the check and then make a withdrawal.
However, if it’s a 3rd party check drawn from a different bank, your bank will likely put a “hold” on the money for some time to make sure the check is good. Accepting third-party checks is not a good idea at any time.
Can I deposit money on my Netspend card at an ATM
No, you cannot deposit money on Netspend card at any ATM out there. You will have to visit the participating reload locations or transfer money to your Netspend account by wire transfer, mobile check deposit, direct deposit, bank transfer, or by utilizing Paypal services.
How to deposit a check using Netspend mobile check deposit
Netspend provides a mobile check depositing feature whose services are handled by the Century Bank, N.A. and Indo Money, INC.
Depositing a check via Netspend is a simple as taking a picture. Follow the steps below to deposit a check using the Netspend mobile check deposit feature.
- Download Netspend Mobile App.
- Login to your Netspend account.
- Select “Mobile Check Load” from the menu to the left.
- Follow the on-screen instructions.
Now, just follow the instructions to capture a picture of your check and to provide other details.
Once your check is approved, it may take a few minutes to get deposited if you choose the paid options; otherwise, it would take up to 10 days.
How long does Netspend mobile check deposit take
Netspend mobile check deposit usually takes 3 to 5 minutes to deposit but can also take up to one hour if you choose the paid option. However, if you choose the no-charge option, your check can take up to 10 days to be cashed, as long as the check is not returned unpaid.
Netspend mobile check deposit limit
Netspend mobile check deposit limit ranges from $5 to $2,500.
This means that you can only deposit a check of more than $5 and less than $2500.
Netspend ATM check deposit locations
Consumers can reload and find NetSpend Prepaid Cards at convenient locations nationwide through NetSpend’s extensive network of 130,000 reload points and more than 85,000 distributing locations and employers, including check cashers, convenience stores, grocers, pharmacies, insurance providers, and tax preparers.
Head over to the Reload Center locator, to find the Netspend card reload or deposit locations near you.
Does Netspend accept 3rd party checks
Yes, Netspend accepts 3rd party checks. Netspend mobile check deposit accepts almost any type of check, ranging from $5 to $2,500.
Final Words
Netspend is not a scam as most people think due to their unusual marketing of sending people debit cards in their mail even when they didn’t apply. Netspend was founded in 1999, and today it is one of the major prepaid debit card providers in the USA with over 10 million users.
Apart from providing the prepaid cards, Netspend also allows you to deposit a check using its mobile check deposit feature. Depositing a check using the service is as simple as taking a picture, as detailed above in the post.
Netspend accepts all types of check ranging from $5 to $2500. Once your check takes about 3 to 5 minutes to get deposited, if you choose paid option, otherwise it would take about 10 days.
So, that all for now. We hope, you were able to know all about depositing a check using the Netspend. For more, you can head over to our Netspend section or follow a few related posts below.
Further Reading
Netspend: How to check balance Netspend card
How to transfer money from Netspend to Chime
[Answered] Why did I receive a Netspend card in the mail
Why is my Netspend account locked: Guide to unlock it
Ankit Kumar is an Engineer by profession and a blogger by passion. Over the last several years, he has written tons of articles, solving queries on Quora. He also has years of experience in investing in Cryptocurrencies, Funds, and Stocks.