Where Can I Load My Netspend Card? Where to Do It for Free? Answered

There are four ways to load your Netspend Visa Prepaid Card or Netspend Prepaid Mastercard: in-person reload at a partner Reload Location, via direct deposit, by money transfer, or through a mobile check load. We provide more details about each method below.

Reload Locations

Netspend offers more than 130,000 locations across the U.S. where you can reload your prepaid card.[1] Most of these businesses charge fees of up to about $4 per transaction — but some will load your card for free. You can load your card with cash or check at any Reload Location.[2]

The table below lists the most popular Reload Locations — including their reload fees. We confirmed this information by checking Netspend’s Reload Location finder and contacting customer service representatives for each company. Note that the availability of financial services may vary by store. You can find your nearest Reload Locations (including those on military bases or at locally-owned businesses) using the Netspend location finder.

Reload Location Reload Fee Business Type
Check 'n Go None Check Cashing/Loans
Family Dollar $3.95 Retail
CVS Pharmacy $3.95 Pharmacy
Dollar General $3.95 Retail
Meijer $3.95 Retail
7-Eleven $3.95 Convenience Store
Walgreens $3.95 Pharmacy
Fifth Third Bank $3.95 Financial Institution
Regions Bank $3.95 Financial Institution
Sunoco $3.95 Gas Station
Speedway $3.95 Gas Station
Kroger $3.95 Grocery
Cash Express $3.95 Check Cashing/Loans
Rite Aid $3.95 Pharmacy
Circle K $3.95 Gas Station
ACE Cash Express $3.95 Check Cashing/Loans
Advance Financial $2 Check Cashing/Loans
Citizens Trust Bank $3.95 Financial Institution
Allied Cash Advance None Check Cashing/Loans
Food City $3.95 Grocery
Walmart $3.74 Retail
Checkmate $2 Check Cashing/Loans
U.S. Bank $3.95 Financial Institution
Advance America $2 Check Cashing/Loans
American Title Loans $2 Check Cashing/Loans
AmeriCash Loans $3.95 Check Cashing/Loans
BP $3.95 Gas Station
WinCo Foods $3.95 Grocery
Weis Market $3.95 Grocery
Vons $3.95 Grocery
Tops Friendly Markets $3.95 Grocery
Stop & Shop $3.95 Grocery
Lowe's $3.95 Grocery
H-E-B None Grocery
Ralphs $3.95 Grocery
Safeway $3.95 Grocery
QFC $3.95 Grocery
Publix $3.95 Grocery
Hy-Vee $3.95 Grocery
Harris Teeter $3.95 Grocery
Giant Food $3.95 Grocery
Giant Eagle $3.95 Grocery
Fred Meyer $3.95 Grocery
Food Lion $3.95 Grocery
Albertsons $3.95 Grocery
Office Depot $3.95 Retail
Shell $3.95 Gas Station
Chevron $3.95 Gas Station
Dierbergs Markets $3.95 Grocery
Pilot Flying J Travel Centers $3.95 Gas Station
Duane Reade $3.95 Pharmacy
Kmart $3.95 Retail
Stripes $3.95 Convenience Store
Conoco $3.95 Gas Station
Exxon $3.95 Gas Station
Mobil $3.95 Gas Station
Love's Travel Stops $3.95 Gas Station
QuikTrip $3.95 Gas Station
Sheetz $3.95 Gas Station
TravelCenters of America $3.95 Gas Station
Valero $3.95 Gas Station
UnBank $3 Check Cashing/Loans
TCF Bank $3.95 Financial Institution
Loaf 'N Jug $3.95 Convenience Store
Smith's Food and Drug $3.95 Grocery
Royal Farms $3.95 Convenience Store
United Check Cashing $2 Check Cashing/Loans
Hannaford $3.95 Grocery
Cumberland Farms $3.95 Convenience Store
Winn-Dixie $3.95 Grocery

Direct Deposit

Direct deposits can come from the following sources:[3]

  • Employers
  • Pensions
  • Defense Finance and Accounting Service Payments
  • Railroad Retirement Benefits
  • Social Security benefits
  • Supplemental Security Income
  • Tax refunds
  • Veterans’ benefits
  • Some state unemployment and disability benefits

Depending on when the payor deposits the funds, you may be able to receive your funds up to two days early.[3] There’s no fee for direct deposits.[4]

Money Transfer

You can receive transfers from Western Union, banks, and other Netspend accounts with your Netspend card. You can also transfer money to your Netspend card from your PayPal account.[5]

Fees for money transfers range up to about $5, and additional fees from the bank may apply for bank transfers. Online transfers from one Netspend account to another are fee-free.[4]

Mobile Check Load

You can deposit funds from a check into your Netspend account by scanning an image of the check using the Netspend Mobile App.[6] The app free to use[4] and is available for Android and iOS devices.

More Information

See our related research for information on loans for Netspend cardholders.