Netspend® All-Access® is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC.

It's a bank account built with you mind. There's no credit check and no minimum balance required to open an account.

A direct deposit takes place across an electronic network called an automated clearing house (ACH). This allows funds to transfer electronically which automatically credits a recipient's bank account with the balance. There's no need to wait for the money to clear like you would with a paper check.

When will my Direct Deposit be available? Netspend gives you access to your money as soon as the funds are electronically deposited to your card account – that can be up to 2 days faster than you'd expect.

Summary of fees:

How Much Does Netspend All-Access Account by MetaBank® Cost? There is no activation fee. Notice this card charges a monthly maintenance fee of up to $5. There is a reload fee of up to $3.95 fee every time you reload the card.

You can pay Netspend fees as you go at a rate of $1.95 per purchase or opt for a monthly plan, which costs $9.95 per month. If you qualify for a Netspend Premier card, the monthly plan cost is reduced to $5. All customers pay a $2.95 fee for ATM use.

Netspend allows individuals to receive access to their direct deposit funds two days early, and your money is FDIC-insured via Netspend's relationship with three banks. The company does not charge overdraft fees and allows consumers to open a savings account that pays 5% on balances of less than $1,000.

Summary of fees:

Netspend allows individuals to receive access to their direct deposit funds two days early, and your money is FDIC-insured via Netspend's relationship with three banks. The company does not charge overdraft fees and allows consumers to open a savings account that pays 5% on balances of less than $1,000.

Summary of fees:

1-3 days How Long Does Direct Deposit Take? It normally takes 1-3 days for direct deposits to clear. The actual transfer of funds is almost instantaneous, but it can take a few days for your bank to verify the funds and make them available to you.