What bank does Netspend use to issue debit cards? In this article, we give you the lowdown on all the banks Netspend uses for its range of financial services. 

Netspend uses The Bancorp Bank, MetaBank (National Association), Regions Bank, and Republic Bank & Trust Company for the issuance of its cards and other related financial services. 

To give you a background, Netspend is one of the top reloadable prepaid debit card providers that serve over 10 million users in the US. The company issues Visa and Mastercard prepaid debit cards and prepaid corporate cards that you can use for most financial transactions.

You can use a Netspend reloadable card to shop online and at stores, withdraw cash from ATMs, do account-to-account transfers, pay bills, receive direct deposits, and earn cashback offers. 

Besides providing a wide range of benefits, Netspend also has no credit checks, activation fees, or minimum account balance requirements. This makes it a great financial tool for those who have poor or no credit, or banking history.

Additionally, Netspend cards are not only backed by the Federal Deposit Insurance Corporation (FDIC), but also by banks. 

Read on to know more about Netspend and the banks that it relies on to deliver its services.

Read: What is Cash App Bank Name for Direct Deposit? 

What Bank Does NetSpend Use

What Bank Does Netspend Use?

As mentioned, Netspend relies on 4 different banks — The Bancorp Bank, MetaBank (National Association), Regions Bank, and Republic Bank & Trust Company — to back its cards and provide greater financial security and peace of mind to its customers. Netspend is a registered agent of these banks. 

The Bancorp Bank Payment Solutions Group, a division of The Bancorp Bank, is the official issuing bank for Netspend prepaid debit cards, including Netspend’s Visa Prepaid Card and Prepaid Mastercard. You can also get a Netspend prepaid debit card issued by MetaBank, Regions Bank, and the Republic Bank & Trust Company. 

If you already have a Netspend prepaid debit card and wish to know its issuing bank, you can check the back of your card to find this information.

One great benefit of having any one of the above-mentioned banks as an issuing bank is they are all members of the FDIC. This enables you to register your Netspend prepaid debit card for FDIC deposit insurance and other coverages.

Registering your Netspend card for FDIC insurance helps you secure your money with MetaBank. If MetaBank ever becomes insolvent or bankrupt, you’ll be able to recover up to $250,000 of your money. To know more about the matter, visit FDIC’s Deposit Insurance page: www.fdic.gov/deposit/deposits.

Netspend Bank Name and Address

Sometimes, while making a wire transfer or performing other financial transactions, you may need to fill in your bank’s name and address.

You may also need these details to contact your Netspend card’s issuing bank for customer service.

Here are the addresses of the 4 banks that Netspend uses:

  • MetaBank, Customer Service, 5501 S Broadband Lane, Sioux Falls, South Dakota 57108
  • The Bancorp/CCPA, PO Box 5017, Sioux Falls, South Dakota 57117-5017
  • Republic Bank & Trust Company, 601 West Market Street, Louisville, Kentucky 40202
  • Regions Bank, 1900 Fifth Avenue, North Birmingham, Alabama 35203

Netspend Bank Name for Direct Deposit

Direct deposits are a great way to deposit money in your Netspend card account or to receive your salary or government benefits. With Netspend, you can receive money up to 2 days earlier via direct deposits. All direct deposits with Netspend are handled by any one of its 4 issuing banks. 

If you need the name of your card’s issuing bank and other related details, check the back of your card. You can also go through the program marketing materials that come with your Netspend card to find these details.

Netspend Bank Name and Routing Number

You’ll usually need the name and routing number of your card’s issuing bank to reorder checks, pay bills and taxes, or do a direct deposit. Routing numbers help identify your bank and settle financial transactions.

You can easily find your routing number once you activate your Netspend prepaid card and complete the identity verification steps. Here are the different methods that you can use to know your routing number:

#1. Online

  • Go to Netspend’s website and log in to its Online Account Center.
  • Select “Direct Deposit” from the main menu.
  • You will find the bank account information, including the routing number that will be needed to register for Netspend’s direct deposit service in the gray box on the right side of the page.

#2. Enroll in Anytime Alerts for Mobile Notifications

  • Send an SMS with the keyword “DIRECT” to 22622.
  • Netspend will send you the routing number of your card’s issuing bank.

#3. Phone

  • Call Netspend’s toll-free number: 1-86-NETSPEND (1-866-387-7363).
  • Choose the “Other Services” option.
  • You’ll now get the routing number.

#4 Check the Materials That Come With Your Card

When you order a Netspend prepaid debit card and receive it in the mail, it comes with a set of marketing materials. Check these printed materials for instructions on how to sign up for Netspend’s direct deposit service, including how to get your bank’s routing number.

What Bank Does Netspend All-Access Use?

The Netspend All-Access Account is a bank account from Netspend that is designed especially for those who don’t have a good credit score or financial history. Opening a Netspend All-Access Account doesn’t involve credit checks, activation fees, or minimum balance requirements. 

You get access to a whole lot of other features, making the Netspend All-Access Account a great and convenient way to manage your money. This deposit account is provided by MetaBank and Republic Bank & Trust Company, helping you get FDIC deposit insurance and other banking benefits.

What Bank Does Netspend Skylight Use?

The NetSpend Skylight ONE Visa prepaid debit card uses the Republic Bank & Trust Company and Regions Bank, whereas the Skylight ONE Mastercard prepaid debit card is issued only by the Republic Bank & Trust Company. To know exactly which bank issued your Skylight ONE Prepaid Card, check the back of your card.

The Skylight PayOptions Program by Netspend gives all those who enroll in the program access to the Skylight ONE Prepaid Card. It helps cardholders enjoy all of Netspend’s features such as direct deposits, debit card access, 2 days’ faster payment of salaries and government benefits, and so on. 

Cardholders are also eligible to get Skylight Checks. These checks allow users to withdraw all of the money available in their Netspend bank accounts without any charges from the bank that issued the checks, or at Walmart stores and ACE Cash Express branches that are participating in the Skylight PayOptions Program.


Knowing which bank issued your Netspend prepaid debit card helps you fill in the relevant bank details such as name, address, routing number, account number, and so on while making financial transactions. 

It also gives you greater peace of mind to know which bank is backing the money you’ve stored in your card account and your Netspend account. This helps you stay informed about FDIC insurance requirements and protects you in the event of bank insolvency or failure. 

Note that different account programs from Netspend are backed by different banks. Checking the back of your Netspend prepaid card or the materials that come with the card will give you an idea about its issuing bank.

Did this article answer your question? Let us know in the comments section below! Also, don’t forget to share our article with friends and other Netspend users if you think it might help them.

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