The features you need to control your money.
Explore the financial tools that go beyond traditional banking
Free Direct Deposit
The greatest of ease
When you login to enroll in our FREE1 Direct Deposit service, you can eliminate long lines and check cashing fees on checks you direct deposit, and get your money up to two days faster2.
For added value, after you setup a free payroll or government benefits Direct Deposit of at least $500 into your account during one calendar month you'll qualify for an automatic upgrade to our $5 per month Discounted Fee Plan. Plus, you get access to the next level of Control™ card features:
1 Transaction fees, terms, and conditions apply. See Cardholder Agreement for complete details.
2 Faster access to funds is based on comparison of our immediate availability policy versus the typical banking practice of only posting funds after settlement. Direct Deposit and earlier availability of funds are subject to payor's support of this feature and timing of payor's funding.
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.
Begin building your solid financial foundation
Easy-to-use tools allow you to track your spending, manage a budget and add money to an optional savings account1.
1 No minimum balance necessary to open Savings. Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. To participate in the Savings Account program, you must consent to and continue receiving communications from us in electronic form. If you are subject to Internal Revenue Service backup withholding at the time of your request to open the Savings Account, your request will be declined. The Savings Account is made available to Cardholders through MetaBank, Member FDIC. Card Account and Savings Account funds are FDIC-insured upon verification of your identity. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.
Stay in control
With free Anytime Alert text messages you can track your balance and other card account activity anywhere you are, 24/7. (Text message fees may apply.)1
1No charge for this service, but your wireless carrier may charge for messages or data
Cash Back Rewards
Make your money work
Earn cash back rewards1 when you use your ControlTM card to pay for specially selected offers from your favorite stores, restaurants and service providers.
Just click on the offers you like in the Online Account Center and use your card to shop and redeem your offers. We'll credit your account for the rewards you've earned the month after you used the offer. (Terms apply.)
1 By activating and using a ControlTM Prepaid MasterCard®, your participation in the rewards program is automatically activated. You may opt-out at any time by visiting your Rewards Summary Page at your Online Account Center. The reward offers we choose and send to you are based on your shopping habits. We will not share any personal information about you with the merchants who sponsor offers. When you activate an offer and make a purchase with the card, the merchant will not know you are a rewards program customer, but you will become their customer. For more details about how and when you get rewarded, see the program FAQs, terms and conditions in your Account Center. Cash back rewards are credited to your Card Account and are not available in the form of a check or other direct payment method. Program sponsor: NetSpend Corporation. MetaBank® is not affiliated in any way with the program and neither endorses nor sponsors it.
Cardholder to Cardholder Transfer
Spread the wealth
Transfer money online or via text message to family or friends with Control Cards or other NetSpend prepaid cards. There's no fee when you use the online or text message options.
Refer A Friend
When you refer your friends, coworkers or family and the person you refer loads at least $40 to their new ControlTM card, you each get up to a $20 credit!1
Refer your friends today (Terms Apply.)
1 A cardholder may receive an unlimited number of Refer-a-Friend rewards while program is available. No rewards credited to either party if referred individual had a card serviced by NetSpend (including a Control Prepaid MasterCard) that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the $40 load requirement is fully met. Cardholder-to-cardholder transfers do not count toward the minimum load requirement. Allow 2 business days for $20 credit to appear on each Card Account. If a cardholder accrues $600 or more in Refer-a-Friend rewards in a calendar year, NetSpend will mail cardholder an IRS Form 1099-MISC reflecting the total Refer-a-Friend rewards for such calendar year. Cardholder acknowledges that by referring a friend through this program, cardholder is releasing non-public information. Referred person acknowledges that payment of the referral may result in the cardholder's knowledge of referred person establishing an account with us. MetaBank® is not affiliated in any way with the Refer-a-Friend rewards program and does not endorse or sponsor this program.
Feel good about paying less
Save as much as 75% off the normal retail price of prescriptions at most major pharmacies. Just print out your own personalized discount card at our partner’s website and show it to your pharmacist at participating pharmacies.1 (Terms Apply.)
1 DISCOUNT ONLY – NOT HEALTH OR PRESCRIPTION INSURANCE. This card cannot be used in conjunction with insurance. This card is an alternative to insurance. If you have insurance, please ask your pharmacist to compare pricing. Potential savings of up to 75% (based on 2015 national program savings data) with average savings of $16 per prescription. Nearly all FDA-approved prescription medications are eligible for savings. Discounts are available exclusively through participating pharmacies. The range of the discounts will vary depending on the prescription, pharmacy, and location. Although NetSpend arranged for you to receive this card, this card is issued by a third-party, and NetSpend is not affiliated with the card issuer or its discount program. NetSpend makes no representations, warranties or guarantees, and shall have no responsibility, with respect to the card or it's discounts. Please contact the discount card issuer at 1-866-850-9791 for any questions about this discount program. You may contact the Texas Department of Insurance if you remain dissatisfied after completing this program's complaint process. Claims are processed by OptumRx. Your privacy is protected. OptumRx does not rent or sell your personal information. MetaBank is not affiliated in any way with this product and does not endorse or sponsor this product.
A little cushion equals a lot of confidence
In case you are ever caught short, you may get up to a $10 purchase.1 This option is only available to cardholders who have qualified for the Control Card Account Upgrade.
1 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.
Invest in your future now
Our optional savings account requires no minimum balance or deposit and currently offers a 5.00% APY, one of the highest interest rates in the country.1
1 The Savings Account is made available to Cardholders through MetaBank; Member FDIC. To participate in the Savings Account program, Cardholder must consent to and continue receiving communications from us in electronic form. If Cardholder is subject to Internal Revenue Service backup withholding at the time of the request to open a Savings Account, the request will be declined. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.
- If the Average Daily Balance is $1,000.00 or less, the interest rate paid on the entire balance will be 4.91% with an Annual Percentage Yield (APY) of 5.00%.
- If the Average Daily Balance is more than $1,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $1,000.00 will be 0.49% with an APY of 0.50%, and the interest paid on the portion of the Average Daily Balance which is $1,000.00 or less will be 4.91%. The APY for this tier will range from 5.00% to 0.54%, depending on the balance in the account.
The interest rates and APYs of each tier may change. The APYs were accurate as of . These are promotional rates and may change without notice pursuant to applicable law. No minimum balance necessary to open Savings Account or obtain the yield(s). Because Savings Account funds are withdrawn through the Card Account (maximum 6 such transfers per calendar month), Card Account transaction fees could reduce the interest earned on the Savings Account. Card Account and Savings Account funds are FDIC-insured through MetaBank, Member FDIC upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank will be aggregated up to the coverage limit, currently $250,000.00.
Truly a card for you
Use a photo of a loved one or a memorable moment to create a Control Card as unique as you are. Or, add your own photo for an extra layer of security1.
1 Custom card fee required. Picture must meet Image Guidelines. If custom card is lost, stolen, or damaged, any request for: (a) a replacement custom card requires resubmission of image and payment of custom card replacement fee; or (b) a replacement standard card requires payment of standard card replacement fee. See online custom card FAQs and the Fee Schedule in the Cardholder Agreement.
Smart Phone Apps
The power to manage your account on the move
Keep track of your money with Control Card Android or iPhone mobile banking apps. Check your balance in just a few seconds, see your recent transactions, find the closest reload location or call Customer Service with one tap - all from your phone! Also, load checks to your card in minutes with our new Mobile Checkload feature!
To find the Control Card app, just search for 'Control Card' in your app store.
No charge for this service, but your wireless carrier may charge for messages or data.
Pay the way that works best for you
Pay your utility bills, cable bill, rent, car payments – even pay a friend – using our fast and secure online bill pay services. Paying your bills with Control Card is easy, convenient, safe and flexible. There are multiple bill pay options so you can choose to pay your way.
Control your identity – Leave your plastic in your wallet
Why worry about someone stealing your card number? The Control Card virtual account is a convenient way to shop online or by phone. When you create a virtual account your get a unique card number, expiration date, and security code. There is no physical plastic card and no one will know your actual card number.
- Shop securely online or by phone
- Shop from a shared or public computer with confidence
- If your plastic Control Card is lost or stolen, use your virtual account as a safe alternative until your replacement card arrives
Refill a Prepaid Phone
Refill a prepaid phone and get a buck back!9
Each time you add $25 or more to a prepaid phone, we'll credit $1 to your Control Card account. Add money to your phone (or even a friend's) in just a couple of quick clicks.
Go to your online Account Center and click on Refill Prepaid Phone under Pay Bills to get started. Then, simply enter the carrier, the phone number, and amount you want to refill.
Refills are even faster when you text them. Sign up for mobile or email alerts, then text the code REFILL, the amount of money you want to add, and the prepaid phone number to 22622. For example: "REFILL 50 myphone." Standard test messaging rates apply.
9 The minimum refill amount is $25 (before tax). There is a $200 daily refill limit (before tax) per Control Card account. Your Control Prepaid MasterCard account must be activated and you must login to your online Account Center in order to refill a prepaid phone. The value of each refill will be subtracted from the balance of your Control Card account. MetaBank is not affiliated in any way with this offer and does not endorse or sponsor this offer.