What is NetSpend All Access and how does it work?

NetSpend All Access is a financial product offered by Metabank that provides users with the features typical of a checking account without requiring a traditional bank. It works by offering customers a prepaid debit card, which can be used to make purchases, pay bills, and withdraw cash from ATMs. Users can load money onto their cards in several ways, including direct deposit, bank transfers, or cash deposits at various retail locations. With NetSpend All Access, customers also benefit from features such as no minimum balance requirements, optional overdraft protection, and FDIC insurance through the issuing bank. Additionally, account holders may access their funds and manage their accounts online or via a mobile app, making for convenient banking on the go.