Do You Get Paid Early With NetSpend? Direct Deposit 2 Days Early

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Yes, you get paid early with Netspend when you receive direct deposit to your NetSpend account. No waiting for your money, and no paper check getting lost in the mail. You’ll get paid as soon as the money is available – which is often up to 2 days earlier before traditional banks.

Do you get paid early with Netspend? Yes! Find out how in this handy guide on Netspend! 

Netspend is a great way to receive money early in your card account.

You can easily get your paycheck and other direct deposits up to 2 days early using your Netspend card. A company offering prepaid debit cards, Netspend allows customers to carry out transactions with the funds preloaded onto the card, along with withdrawing, spending, and adding money. 

So, if you’re wondering whether you get paid early with Netspend, the answer is yes! You can directly deposit your paycheck and government benefits to your Netspend card account sooner than others. 

Not only that, Netspend lets you forego credit checks, minimum account balance requirements, and activation fees.

So you can open an account with Netspend quickly — without excessive paperwork — and withdraw your money every month without having to keep some back as a minimum account balance.

Read: Does TurboTax Send You a Netspend Card? 

Do You Get Paid Early With NetSpend

Do You Get Paid Early with Netspend?

Keep reading to know how you can get paid early with Netspend.

About Netspend

Before we get into the finer details of using Netspend, let’s know a little more about this service. 

Netspend is a leading reloadable prepaid debit card provider in the US. It has issued Visa and Mastercard prepaid debit cards and prepaid corporate cards to over 10 million users across the country.

Netspend prepaid cards are also backed by the Federal Deposit Insurance Corporation (FDIC), giving you greater financial security and peace of mind when it comes to securing your money with Netspend.

You can use Netspend’s reloadable cards to shop at retail locations and online, pay bills, receive direct deposits, do account-to-account transfers, withdraw cash from ATMs, and get cashback offers. 

Getting Paid Early Using Netspend

Netspend’s direct deposit service lets you receive your paycheck early before any of your friends get theirs! 

Direct deposits not only include salary paychecks but also tax refunds, social security benefits, pensions, state unemployment benefits, supplemental security income (SSI), government disability benefits, railroad retirement benefits (RRB), and other government benefits.

In a traditional banking method, funds are made available only after the transaction is settled. However, Netspend makes the funds available as soon as it receives a payment instruction from the payor, thus helping you get paid early. 

That means, as soon as the payor electronically deposits the money into your Netspend card account, you can access it. For this to work, however, you need to get a Netspend prepaid card (which usually comes within 7 to 10 business days once you order it online), verify your identity, and enroll in Netspend’s direct deposit service.

Moreover, when you opt for direct deposit in all your payment receipts, you also don’t need to wait for your check to arrive in the mail and then go and deposit it in your bank account and wait for another few days to be able to use your money. You can skip this time-consuming process and choose to get your money faster with the direct deposit option.

Do You Get Paid Two Days Early with Netspend?

As we mentioned, Netspend allows you to receive your money faster. But did you know that you can get paid up to 2 days earlier? That’s right. When you enroll in Netspend’s direct deposit service, you can get your salary paycheck and tax refunds up to 2 days faster!

Whether you choose any one of Netspend’s fee plans and use its prepaid card account for transactions or you get a Netspend all-access account, you need to sign up for the direct deposit service, and there you go! You’re all set to receive your paycheck 2 days earlier than your colleagues. 

This allows you to pay your bills, do your shopping, and receive hard cash in your hands much sooner!

How Long Does It Usually Take to Get Money into Your Netspend Account?

You need to add funds to your Netspend card account before you can use it for shopping, bill payments, ATM withdrawals, and other financial transactions. Depending on how you choose to add money to your Netspend prepaid card, it can take anywhere from a few minutes to a few days to receive the money. 

Here are some of the ways you can add money to your Netspend card account.

1. Direct Deposit

With direct deposits, you can conveniently deposit your paycheck or government benefits check into your Netspend account within 2 days, with no additional cost. 

2. Netspend Reload Network Locations

Choose from over 130,000 Netspend Reload Network locations across the US to instantly add money to your Netspend prepaid debit card. You can easily find a Netspend Reload Network location near you with the help of the Reload Center locator on Netspend’s website and mobile app. 

Note that you may be charged for this service by the network operator. The fees vary from location to location.

3. Mobile Check Load

Netspend’s Mobile Check Load feature helps you load cash or paper checks directly from your mobile phone within minutes.

4. Bank Transfers

Add money to your Netspend card account from any US checking or savings bank account. You can also do bank transfers using a bank debit card that is operated by Visa or Mastercard. However, a fee is charged for bank transfers as determined by the transferor’s bank.

5. PayPal

You can easily add funds to your Netspend prepaid card with the help of PayPal by linking your Netspend and PayPal accounts.

6. Money Transfer Between Netspend Accounts

You can carry out instant money transfers from one Netspend card account to another for a nominal fee. 

7. Tax Refunds

Receive your tax refunds in your Netspend prepaid card account as soon as the Internal Revenue Service (IRS) electronically deposits it via direct deposits. 

Is There Any Way to Speed It Up?

If you wish to get your money faster, select the direct deposit option in all your payment receipts. This way, you don’t have to wait for your salary paycheck or government benefits check to get cleared or for your bank to post funds only once the settlement is done.

To sign up for Netspend’s direct deposit service, submit a direct deposit form to your employer. Your bank may have its own direct deposit form on its website that you can download and submit to your employer. But a number of offices have their own forms that employees need to submit on paper or electronically.

You’ll need to fill in your personal details such as your full name and address along with your Netspend card account details. Your Netspend card account includes the following information:

  • The name of your financial institution
  • Netspend card account number
  • Routing number

You can also choose to add money to your Netspend prepaid card account using the Mobile Check Load feature provided by Netspend. This feature allows you to directly load cash or paper checks from your mobile phone within a few minutes.


Do you get paid early with Netspend? Absolutely, you do! Netspend’s direct deposit service is probably the most popular option for receiving your salary paycheck or government benefits check up to 2 days early.

The Mobile Check Load feature is also another great way to deposit cash or paper checks from your phone to your Netspend card account within minutes.

To get paid early, all you need is an activated Netspend prepaid card. If you choose to get paid via the direct deposit route, you will also need to enroll in this service after submitting your personal details and your Netspend card account information.

Did we resolve your query on how to get paid early with Netspend? Tell us your views in the comments section below, and don’t forget to share this article with other Netspend users you know.

Jack Vasquez Garcia

Jack Vasquez Garcia is a seasoned P2P expert specializing in Venmo, Cash App, and Netspend. With deep knowledge and experience, he simplifies digital transactions for individuals and businesses, making life easier in the digital realm. Linkedin

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