Face no surprises with the NetSpend MasterCard Prepaid Debit Card. This card offers 100% approval with no credit check required. The card also has no minimum balance, no credit bureau check, no overdraft fees, no finance charges, and no bounced checks. Cardholder-to-Cardholder transfers are free, and customers can choose to have an optional savings account with 5.00% APY. Tax refunds can arrive faster on the NetSpend Card, and cardholders can get paid up to two days faster with the free Direct Deposit offered by this prepaid debit card. The FDIC insured NetSpend MasterCard Prepaid Debit Card works like a regular bank-issued debit card and is accepted online and in stores around the world.