netspend account

 

Netspend account

 

  1. NetSpend Corporation
    NetSpend Corporation, headquartered in Austin, TX, provides processing and marketing services for private and proprietary MasterCard and Visa prepaid debit cards. The company is the largest prepaid debit card processor and marketer in the United States and sells cards at about 10,000 grocery and convenience stores, gas stations and check-cashing centers nationwide. According to an article by the Austin Business Journalthe privately held company has 225 employees, annual revenues in the $75 million to $125 million range and processes over $5 billion annually in card transactions. Its website states that the company has over 1 million customers nationwide. Oak Investment Partners, is a major shareholder of NetSpend Corporation. NetSpend’s stated goal is to provide consumers who lack established credit or banking relationships with the security, flexibility and convenience typically associated with debit and credit cards. The sub-prime credit consumer is usually charged higher fees on these product's transactions and features when compared to mainstream consumers that receive them for free or at little cost. The additional costs are representative of the additional risk that accompany the typical consumer profile who is shunned by traditional financial institutions. NetSpend was founded by Roy and Bertrand Sosa, two brothers who were teenagers when their family moved from Mexico to the US in 1986. Twelve years later in 1998, they launched NetSpend from their one-bedroom apartment with an initial investment of $750. The Sosa brothers believed there was a large market that was left un-served by traditional banking and financial institutions, and according to the Federal Reserve at the time of this post, 9.7 percent of households—approximately 26 million Americans—are “un-banked,” or do not maintain transaction accounts at mainstream depository institutions. An additional 40 million individuals do not have a savings account or access to credit and are considered “under-banked.” Together, the total number of un- and under-banked in the United States is estimated to be nearly 70 million people, and their aggregate annual income is calculated in excess of $300 billion. According to the 2006 report from The Mercator Advisory Group, the Open Prepaid Card Market will grow at a CAGR of more than 32% achieving a total spend in 2009 of more than $43.8 Billion -- less than 1/4 the size of the Closed Prepaid Market in the same timeframe.
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  2. Products
    The commonly used industry terms for products such as "Stored-Value Card", "Prepaid Debit Card" or "Prepaid Credit Card" are somewhat misnomers because the products do not actually store value within themselves, they do not provide the prepayment of a service such as long distance, nor do they have a credit component. Even though the cards have a Visa or MasterCard emblem they do not report to credit bureaus like true credit cards and therefore do not contribute to building or improving a cardholder's credit history. Rather prepaid debit cards allow for the depositing of funds that can be drawn upon at anytime. Prepaid debit cards are analogous in function to check cards or debit cards issued at banks and credit unions and some brokerages. In fact, the monies for prepaid debit cards are actually housed at FDIC banks. The primary differentiation is that the processing company, "Netspend" in this case, is allocating funds to individual cardholder accounts in their system vs. the actual bank's system. The bank is used as an omnibus account of sorts for all funds. The NetSpend product line includes: NetSpend, in conjunction with Financial Service Centers of America (FiSCA) is the first prepaid card processor to offer a savings account feature with their cards. According to the Austin Business Journalthe interest rate on the savings account was increased from .75% to 3% in October 2006. According to BankRate.comthe new rate is actually above the national average for regular passbook savings accounts offered by banks. NetSpend is the first prepaid debit card provider to offer a "pink card" that contributes a portion of profits to breast cancer research and education. News Story NetSpend also provides card processing services for private branded products such as Capital One's Prepaid Debit Cards
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  3. Netspend Account news
    Netspend Account news
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  4. Prepaid "credit" cards
    A prepaid credit card is not a credit card, since no credit is offered by the card issuer: the card-holder spends money which has been "stored" via a prior deposit by the card-holder or someone else, such as a parent or employer. However, it carries a credit-card brand (Visa, MasterCard, American Express or Discover) and can be used in similar ways just as though it were a regular credit card. After purchasing the card, the cardholder loads the account with any amount of money, up to the predetermined card limit and then uses the card to make purchases the same way as a typical credit card. Prepaid cards can be issued to minors (above 13) since there is no credit line involved. The main advantage over secured credit cards (see above section) is that you are not required to come up with $500 or more to open an account. With prepaid credit cards you are not charged any interest but you are often charged a purchasing fee plus monthly fees after an arbitrary time period. Many other fees also usually apply to a prepaid card. Prepaid credit cards are sometimes marketed to teenagers for shopping online without having their parents complete the transaction. Because of the many fees that apply to obtaining and using credit-card-branded prepaid cards, the Financial Consumer Agency of Canada describes them as "an expensive way to spend your own money". The agency publishes a booklet, "Pre-paid cards", which explains the advantages and disadvantages of this type of prepaid card.
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  5. Get An Advance On Netspend Card
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  11. a netspend account Free Download
    a netspend account Free Download at WareSeeker.com - View, print, or transfer your account balances. Keep track of your checking, savings, mortgage, credit card, and other accounts
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  12. Prepaid Account Payday Loan
    ... 2001, after the widely publicized accounting scandals involving misstatement of earnings. ... your checking or savings account netspend prepaid debit cards payday ...
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  13. NetSpend Corporation Website
    Tell your family and friends about the NetSpend Visa Card. When they buy and activate their own Card, ... Please enter your Username and Password to access your account.
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  14. NetSpend Corporation
    NetSpend cards work like debit cards, without the hassle of a bank account and are ... NetSpend Savings Accounts are issued by Inter National Bank, member FDIC. ...
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  17. NetSpend Corporation Website
    Account Access Log In; Forgot Username? ... All trademarks and service marks are the property of their respective owners. © 2003-2010 NetSpend Corporation
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  18. Netspend Account Information | eHow.com
    Netspend Account Information. Netspend is a prepaid debit card that allows consumers to load money and spend that money on purchases and pay bills. ...
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  19. NetSpend Corporation Website
    Prepaid, Reloadable, Nation-wide. The NetSpend Visa Visa Card. Better Than Cash. ... Never guess your Account information again! > Find out more
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  20. Medical savings account
    Medical savings account (MSA) refers to an account in which tax-deferred deposits can be made for medical expenses.
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  21. Access your account online ...
    NetSpend provides prepaid debit cards solutions including prepaid Visa and Mastercard branded card programs.
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  22. Hedge Accounting
    Hedge accounting is an accountancy practice.
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Deposition

  1. Access your account online ...
    NetSpend provides prepaid debit cards solutions including prepaid Visa and Mastercard branded card programs.
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Prepaid credit card 

  1. NetSpend National Savings ...
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    NetSpend Corporation
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    NetSpend Corporation Website
    Tell your family and friends about the NetSpend Visa Card. When they buy and activate their own Card, ... Please enter your Username and Password to access your account.
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    Prepaid Cards: a New Way to Bank?
    Though they don't carry the same protections as credit or debit cards, reloadable prepaid cards are how a growing number of Americans are doing their banking.
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    Prepaid Cards Come with Long List of Fees and Weak Consumer Protections
    Consumers Union reviewed the terms and conditions of 19 different prepaid cards and found that consumers face multiple fees and other costly "gotchas".
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    NetSpend Prepaid Visa Debit Card Offer
    Prepaid Net Spend Debit credit card offers guaranteed approval, iAdvance line of credit, VISA benefits and NetSpend accounts are FDIC insured.
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    NetSpend Corporation
    NetSpend prepaid visa | prepaid credit card | prepaid mastercard | prepaid debit card | all-access visa | all-access mastercard
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    Access your account online ...
    NetSpend provides prepaid debit cards solutions including prepaid Visa and Mastercard branded card programs.
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    How to Set up Direct Deposit on a NetSpend Prepaid Visa Card
    Have a NetSpend prepaid debit Visa card? Here's how to set up direct deposit on your NetSpend card.
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  2. ... | Prepaid Credit Cards
  3. https://www.allaccesscard.com/prepaid-debit-card/i/gft2/mast_background.jpg
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