Welcome to Control Card!

The ControlTM Prepaid MasterCard® you received in the mail is the checking account alternative that works by putting you in control of your money.

  • No credit check
  • No overdraft fees
  • No interest or late fees
  • No standing in line to pay bills

Activate Your Card

You must activate your card before you can add money and start making purchases.


Add Money

  • Free1 Direct Deposit of paychecks, government payments and tax refunds. Get paid up to 2 days faster2 and eliminate check cashing lines and check cashing fees for the checks you direct deposit.
  • Transfer money online from an existing bank account, your PayPalTM account or other Control Card account.
  • Load cash at any of the more than 100,000 convenient locations found nationwide in the NetSpend Reload Network .

Upgrade Your Account

Get the next level of Control after you direct deposit a total of $500 in one calendar month!

The special benefits of a Control Card account upgrade:

  • Unlimited purchase transactions for just $5 per month - our best pricing.
  • A $10 Purchase Cushion when you're a little short - at no cost to you3.
  • Access to an optional 5.00% APY Savings Account4.
  • Life Benefits for you and your family - at no cost to you when you maintain direct deposit activity5.


1 The ControlTM Prepaid MasterCard is issued by MetaBankTM pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. Transaction fees, terms, and conditions apply. See your Cardholder Agreement for complete details.

2 Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit.

3 The $10 Purchase Cushion is not an extension of credit: it is a non-contractual courtesy exercised in our sole discretion, by which we may approve transactions that the Control Card cardholder requests from time to time that create up to a $10.00 negative balance on the card account. A cardholder may receive only one $10.00 negative balance allowance at a time and is responsible for repayment of any negative balance created through use of the card account. See your Cardholder Agreement for more information.

4 NetSpend Savings Accounts made available to Control Cardholders through MetaBankTM, Member FDIC. If you are subject to Internal Revenue Service backup withholding at the time of your request to open a savings account, the request will be declined. Interest is calculated on the Average Daily Balance of the savings account and is paid quarterly. Annual Percentage Yield (APY) is accurate as of February 1, 2012: this is a promotional rate and may change without notice pursuant to applicable law. No minimum balance necessary to open account or obtain the yield. A cap may be placed on the maximum amount of funds on maintained in the account. The cap may be exceeded by interest accruing on the funds. The cap may change. Because savings funds are withdrawn through the card account (maximum 6 such transfers during a calendar month), card transaction fees could reduce interest earned on the savings account.

5 Coverage is not automatic. Only cardholders enrolled in the direct deposit service and residing in a state where this benefit is available may enroll in the program. In the event of a covered accidental injury or death, the cardholder and/or the cardholder's beneficiary are eligible to receive a monthly benefit for up to twelve consecutive months that's based on the amount direct deposited to the card (up to $8,000) during the preceding 35-day period. Terms apply.

Control Prepaid MasterCard is issued by MetaBankTM, Member FDIC, pursuant to license by MasterCard International Incorporated. NetSpend is an authorized Independent Sales Organization of MetaBank. Use of card subject to funds availability. Transaction fees, terms, and conditions apply. See your Cardholder Agreement for complete details.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated. All trademarks and service marks belong to their respective owners.

© 2014 Total System Services, Inc.®. All rights reserved worldwide. TSYS® and NetSpend are federally registered U.S. service marks of Total System Services, Inc.