Keeping tabs with a bank account and funds might not be easy for everyone. Life becomes a little easier when you learn how to manage your money well and keep up with your bills. Netspend gives you an option of managing your finances by providing you with products for handling money. You can make pay bills, get paid, and withdraw cash, and many more using Netspend.
The Netspend mobile check deposit is an easy way to make payments without the need to visit a physical bank. With a mobile app, you can run your account from anywhere you are and access funds anytime you want.
What Is Netspend Mobile Check Deposit?
Most people do not have enough time to get to the bank when they need to make a deposit. You may also need funds fast but the bank is not close to you. For business people, it is safer to deposit a check from the comfort of your business instead of waiting to get to the bank.
NetSpend mobile check deposit allows you to take photos of checks and deposit them to the banks from anywhere. You will only need to download the mobile app on your smartphone to use whenever you need to. Once you have the mobile app on your device, you can easily run your account and make any changes you like.
Netspend Mobile Check Deposit
With most companies and organizations going paperless, it is essential to have a banking method that is also paperless and easy. Netspend provides you with an easy way to handle money without a fuss. There are a few steps you need to take before you can use Netspend:
- Ensure you have enough space on your mobile device
- Download the netspend mobile app
- Select from the menu, the mobile check load, and follow the instructions on the screen.
- You will get a guide on including your information and taking pictures of your check as you are instructed.
When you are downloading the Netspend mobile app, ensure that you get the latest version. Keep up with the updates anytime they are available, and you will have an efficient app for you to use whenever you need to. This app is compatible with both android and apple devices.
The Netspend mobile app is one of the most convenient ways to keep up with your finances. You can use your account for different functions, including paying bills and getting paid. It is an excellent account for people starting new jobs or for first-time account holders.
Uses of NetSpend
There are so many ways you can use Netspend apart from check deposits. When you have the mobile app, you will have easy access to your bank account. Once you have the app on your mobile device, you can use your phone to access your account from anywhere you are. You can monitor and manage your finances easily from anywhere.
You can also get a visa and debit card so that you can withdraw cash from ATMs. This, like any other bank account, lets you save and receive payments. With the mobile app, you can now bank from anywhere you are without going to a physical bank. The following are some ways to use NetSpend to make your life easier.
Make Purchases
Using the NetSpend debit card, you can make purchases in stores anywhere. Apart from that, you can also use its online shopping and also buy things over the phone. The debit card or visa card can also be used anywhere that they are accepted. This means that you can pay your rent, bills, and many other purchases in places that allow you to use the debit MasterCard or the visa card.
The Netspend debit card has several features:
- You do not need a credit check or banking history to get approved for the account.
- The account offers you a pay-as-you-go plan and a monthly plan for you to choose from. The pay-as-you-go plan does not have a monthly fee, so you only pay for every card transaction. On the other hand, the monthly plan has fees ranging from $5.95 to 49.95 depending on the card with no purchase fees.
- You will get easy access to your paycheck using the direct deposit.
- The savings account has an APY of 5.00% if you have up to $1000 in the account. Any amount above $1000 earns 0.50% APY.
- You can use the mobile app to deposit checks to your account
- There are locations countrywide for use if you want to make in-person deposits.
- You will get rewards and bonuses if you refer others to open an account. Cash backs are also available from time to time when you use the debit card.
Once you have your account, you can use it to shop physically and also online. You can either use a debit card or the mobile app to make purchases. Ensure that you check the charges before you start shopping. This way, you will have an easy time when you are checking your monthly spending.
Get Paid
If you are starting a job, you need an efficient way to get your pay. With Netspend, you will have the advantage of getting paid faster for up to two days. This way, you will get your payment more quickly, and you can get on with paying your bills and other necessities on time. When using the direct deposit, you will be able to access your paycheck two days faster. The money is released when the payment has been initiated, making it reflect earlier.
You can set up direct deposits for the following with Netspend:
- State unemployment benefits
- Government benefits
- Pensions
- Tax refunds and many more
With the Netspend mobile check deposit, you will have instant access to your funds as soon as you make a deposit. You do not have to wait for days to get your money once it has been deposited into your account. Many people have to wait for days to get their pay and it might interfere with bill paying. With the Netspend mobile app, you will have your money in time to make other bill payments before due dates.
Load Checks
When you are using NetSpend, you will have the convenience of loading checks to your card account without a hassle. You do not have to wait in line for hours, especially on days when you are pressed for time. All you need to do is take pictures and then load them using the mobile app. When the account has been funded, you can spend the money immediately.
Shopping has been made easy with the use of the prepaid debit card. The account comes with cash back rewards and a high yield optional savings account. You should, however, be wary about the ATM fees because they can be costly.
Uses Of The Netspend Mobile App
The Netspend mobile check deposit is one of the most used services by people who want to manage their finances more efficiently. Before you can use this service, you need to know how to use the mobile app. The mobile app has many benefits that you can use to manage your account more easily. You will be able to deposit and transfer checks quickly.
The following are other services you can use the mobile app for:
1) Reviewing Transactions
When you have the Netspend mobile app, it is easy to check all the transactions you are making. You can check out available balances, charges, and any fees that you are required to pay monthly and even yearly. You can do any transaction you like from the comfort of your home or the office. It takes a short while to do transactions while you also keep tabs on your money.
2) Manage Offers And Rewards
With the mobile app, you will get to know about the different offers available. You can also manage your rewards and access any offers as soon as they are available for account holders. There are many rewards you can get from having a Netspend account. Getting the rewards is easier when you have an easy way to follow up and claim them.
3) Plan management
If you are an account holder, you can easily switch the plans with the mobile app. You can switch from savings accounts to any other that will be more beneficial to you. It is easy to check if you are eligible for better offers when you have the mobile app. You may need to have a different account after a while and the bank might not be near you. With the Netspend mobile app, you can switch and get the account that will serve your needs best.
4) Remote Deposits
The mobile check load feature on the app allows you to take pictures of checks and make instant deposits. You can manage your deposits and accounts from anywhere you are as long as you have a data connection.
5) Transfer Money
You do not have to endure long queues or visit physical bank locations when using the mobile app. You can access your funds from your mobile device at any time, and from anywhere you are. It is also easy to enroll in savings and open a savings account from your mobile phone using the app.
6) Customer Service
Many people get irritated when they have to wait on the phone for voice-automated machines for help. This is not the case once you download the Netspend mobile app. you will have the customer car at your fingertips, and you can get help for any issue you have quickly. You can also use the message portal to contact NetSpend in the app. From the app, you can contact the bank representatives to help with any inquiries.
Learn More: How To Withdraw Money From Netspend
How To Open A Netspend Account?
It is easy to open a Netspend account, and it will take you a few minutes. You can choose the type of account you want from the physical locations. You can always change the type of account from your mobile device using the app if you need to change your account after a while.
You will first need to go to the website and download the app. This app is also available for free in google play, and apple play stores. When you apply, you will be requested to provide the following information:
- Your full names
- Date of birth
- Residential address
- Email address
- Government ID
Ensure that you give accurate information because it will be verified. Sometimes you may also need to check your credit if you need to request loans and credit cards.
After your information has been verified, you will choose a prepaid card design as the final part of the application.
You will receive your card in the mail after you have applied for the account. You can load this card with cash, and you will pay a fee of $3.95. If you are withdrawing money from an ATM, you will pay a fee of $2.50. Swiping when shopping in a store will cost you $1. However, you can sign up for a monthly plan so that you can waive some of the fees.
Before you open the account, make sure you know the charges and the types of accounts available. You can change the account using your mobile app if you feel like an annoying one is best suited for you.
Even as you open the account online, make sure that you know the physical locations. This will help if you need other services that might require you to go to a location.
Conclusion
No matter the account you like to open, you need to be keen about any charges available. Even with rewards, you might still have some fees that might make an account less viable. The Netspend mobile check deposit is one of the best ways to keep up with payments and manage your finances. With the Nestpend mobile app, you will easily run your account and deposit checks. Your money will be available for use early and it will be safer for you in the long run.