Netspend Mobile Check Deposit Limit & How Does IT Work

There are a lot of reasons why you might want to cash a check from your phone, from getting cash for your birthday to turning your tax refund into cash. You can still compare the top check-cashing apps if you don’t have a bank account with mobile check deposits. The company Netspend offers a mobile check deposit service from Century Bank, N.A. & Indo Money Inc.

With the app, you can reload your Netspend prepaid debit card without having to stop at an ATM. Besides check cashing, you can also get direct deposit and receive paychecks up to two days early. It’s as easy as taking a picture to deposit a check via Netspend. All I have been doing is explaining to users how to deposit a check using Netspend. Now I am going to explain the Netspend mobile check deposit limit in some understandable words.

How Does Mobile Check Deposit Work?

A mobile check deposit tool enables you to deposit checks into your prepaid card account using your mobile device. When you cannot deposit your check at a financial institution or visit cash reload location in person, this is a convenient option. Your smartphone has a lot of modern features, and you can easily upload your check image by taking a picture of the front and back.

You can deposit a check with a smartphone or other mobile device when you use a mobile check deposit. Reloading cash this way may be convenient if you don’t want to go to a bank. With your smartphone, you can take a picture of the front and back of your check to deposit it. The process of depositing a check on your phone is the same as traditional deposit methods, like signing it and verifying its amount. Usually, it takes 24 to 48 hours. It may be easiest to deposit personal, government, payroll, and other checks with mobile check deposits if you only have prepaid cards.

How Does Netspend Mobile Check Deposit Work?

Consumers rely heavily on checks to manage their finances, and Netspend is concerned about meeting this need for them by providing access to check funds that are reliable, convenient, guaranteed, and immediate. Ingo Money SDK is a service offered by Netspend within Netspend mobile applications, enabling consumers and small business owners to access funds from checks immediately and irreversibly.

The Ingo Money SDK has been integrated into Netspend Mobile Banking to facilitate mobile check cashing more conveniently. Thus it enables millions of Visa® and MasterCard® prepaid card users to submit an image of checks from $5 to $2,500 using their smartphone. Unlike traditional check deposit services and mobile deposit capture solutions, Ingo Money guarantees that the money in a card account will be available for spending immediately upon funding it.

What Is The Netspend Mobile Check Deposit Limit?

The Netspend card is accessible to almost everyone in the country, with over 130,000 reload locations. You can cash your checks and load a maximum of $7,500 per day on your Netspend card, and the maximum balance is $15,000. It means you can have a maximum of $15,000 as a balance on your card. You can also load checks to your card by taking a picture with your phone with the Mobile Check Load feature. If you choose the paid option, your check gets deposited in about 3 to 5 minutes, otherwise, it takes about 10 days.

What Are The Netspend Check Cashing Fees?

There are no monthly fees on the pay-as-you-go plan, but $9.95 on the monthly plan. When you get at least $500 in payroll checks or government benefits a month, you can reduce your monthly plan to $5. For PIN and signature transactions, the pay-as-you-go plan charges $1.50, whereas the monthly plan doesn’t. Depending on how you reload your card (retailer or online), you’ll be charged up to $3.95 for every cash reload. Depending on the check type, Mobile Check Load will charge you 2 to 5 percent (or $5, whichever is greater). Last but not least, Netspend charges $5.95 a month if your card hasn’t been used in 90 days. Be sure to read the terms carefully before you buy a card because there are tons of fees, like a 4 percent foreign transaction fee.

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