A Bank Account Made for You.

  • No credit check1
  • No minimum balance required

Account opening is subject to registration and ID verification. Online access required to complete registration.1

Open an account

Bank better when you open an Account

  • Enroll in Direct Deposit to receive your payroll or government benefits up to 2 days faster.2

Manage your Account on-the-go

  • Download3 the Azulos Mobile App to manage your Account, check your balance and enroll in optional features.
  • Sign up for Anytime Alerts™3 to receive transaction updates straight to your phone.

Optional Debit Card Overdraft Service4

  • Optional debit card overdraft service is available.

Add Money5

  • Add money to your Azulos Plus Account at Amscot or at more than 130,000 Netspend Reload Locations.

Compare accounts and choose what fits you.

Amscot provides you with options when it comes to managing your finances. Compare the Bank Account and Prepaid Card side by side and choose the Account that’s best for you.

Feature Chart

Account Features

Get paid up to 2 days faster2 with Direct Deposit

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

No minimum balance

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

No credit check1,6

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

Earn cash back7 on qualifying purchases with Payback RewardsSM

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

Earn interest on an optional Savings Account

Bank Account Azulos Plus Account: Up to 6.00% Annual Percentage Yield (APY)7 on balances up to $2,000.

Bank Account Azulos Plus Account: Up to 5.00% Annual Percentage Yield (APY)8 on balances up to $1,000.

Optional Debit Card Overdraft Service 4

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: No.

Online registration required

Bank Account Azulos Plus Account: Yes.

Prepaid Card Azulos Prepaid Mastercard®: No.

Foreign IDs Accepted

Bank Account Azulos Plus Account: No.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

Secondary Accounts Available

Bank Account Azulos Plus Account: No.

Prepaid Card Azulos Prepaid Mastercard®: Yes.

Plan Fee(s)

Bank Account Azulos Plus Account: $5.00 per month

Prepaid Card Azulos Prepaid Mastercard®: $1.50 per transaction10 OR $5.95 per month.

1 IMPORTANT INFORMATION FOR OPENING A NEW DEPOSIT ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens an Account. WHAT THIS MEANS FOR YOU: When you open an Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see a copy of your driver’s license or other documents at any time. All Accounts are opened subject to our ability to verify your identity by requiring acceptable types of identification. We may validate the information you provide us to ensure we have a reasonable belief of your identity. If we are not able to verify your identity to our satisfaction, we will not open your Account or we may close the Account if it was previously funded. Your Account is subject to fraud prevention restrictions at any time, with or without notice.

2 Faster funding claim is based on a comparison of MetaBank, N.A.’s policy of making funds available upon receipt of payment instruction versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the timing of payor’s payment instruction.

3 We do not charge for this service, but your wireless carrier may charge for messages or data.

4 The Debit Card Overdraft Service is an optional service made available to eligible Azulos Plus customers by MetaBank, N.A. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance. Transactions subject to an overdraft fee are signature and PIN purchase transactions and ATM transactions. ACH Debit transactions are not eligible for coverage. Any negative balance must be repaid within thirty (30) days. Whether we authorize an overdraft is discretionary, and we reserve the right not to pay. For example, we typically will not pay overdrafts if you fail to meet the eligibility requirements for this service or you attempt too many transactions or transactions that create too large of an overdraft. Call us at 1-800-865-0789 or log in to your Online Account Center for additional terms and conditions that apply, including initial and ongoing eligibility requirements for the service. This service is expensive, so we encourage you to research alternatives before enrolling. Once enrolled, you may opt-out at any time; however, you are responsible to repay any overdrawn amounts on your account even if you opt-out of the service.

5 The Netspend Network is provided by Netspend Corporation and its authorized agents. Netspend is a licensed provider of money transfer services (NMLS ID: 932678). Netspend’s licenses and related information may be found at www.netspend.com/licenses. Fees, limits, and other restrictions may be imposed by Netspend and other third parties in connection with use of the Netspend Network.

6 IMPORTANT INFORMATION FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires us to obtain, verify, and record information that identifies each person who opens a Card Account. WHAT THIS MEANS FOR YOU: When you open a Card Account, we will ask for your name, address, date of birth, and your government ID number. We may also ask to see your driver’s license or other identifying information. Card activation and identity verification required before you can use the Card Account. If your identity is partially verified, full use of the Card Account will be restricted, but you may be able to use the Card for in-store purchase transactions. Restrictions include: no ATM withdrawals, international transactions, account-to-account transfers and additional loads. Use of Card Account also subject to fraud prevention restrictions at any time, with or without notice. Residents of Vermont are ineligible to open a Card Account.

7 Netspend Payback Rewards is an optional program. You may opt-out at any time by visiting the Netspend Payback Rewards page in your Online Account Center. Reward offers are based on individual shopping habits. Cash back rewards are credited to your Card Account or Account and are not available in the form of a check or other direct payment method. See the program FAQs and Terms and Conditions in your Online Account Center for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. MetaBank, National Association, and Mastercard are not affiliated in any way with this program and does not endorse or sponsor this program.

8 The optional Savings Account linked to your Azulos Plus Account is made available to Accountholders through MetaBank, N.A., Member FDIC. Interest is calculated on the Average Daily Balance(s) of the Savings Account and is paid quarterly.

  • If the Average Daily Balance is $2,000.00 or less, the interest rate paid on the entire balance will be 5.87% with an annual percentage yield (APY) of 6.00%.
  • If the Average Daily Balance is more than $2,000.00, the interest rate paid on the portion of the Average Daily Balance which exceeds $2,000.00 will be .49% with an APY of .50%, and the interest paid on the portion of the Average Daily Balance which is $2,000.00 or less will be 5.87%. The APY for this tier will range from 6.00% to .60%, depending on the balance in the account.

The interest rates and APYs of each tier may change. The APYs were accurate as of April 1, 2021. No minimum balance to open Savings Account or obtain the yield(s). Savings Account funds are withdrawn through the Azulos Plus account (maximum 6 such transfers per calendar month) and transaction fees could reduce the interest earned on the savings account. Funds on deposit are FDIC insured through MetaBank, N.A. For purposes of FDIC coverage, all funds held on deposit by you at MetaBank, N.A. will be aggregated up to the coverage limit, currently $250,000.00.

9 The optional Savings Account is made available to Cardholders through MetaBank, N.A.; 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 April 1, 2021. 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 upon verification of Cardholder’s identity. For purposes of FDIC coverage limit, all funds held on deposit by the Cardholder at MetaBank, N.A. will be aggregated up to the maximum amount permitted by law upon receipt of funds by the Issuer.

10 The Pay-As-You-Go Plan (“PAYGO”) is automatically effective at the time of Card activation, unless the Cardholder chooses the optional Monthly Plan. These plans include only domestic purchase transaction fees and do not include ATM fees or any other fees associated with the use and reloading of the Card Account. See your Cardholder Agreement in your Online Account Center for details.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and the Google Play logo are trademarks of Google LLC.

The Azulos Prepaid Mastercard is issued by MetaBank®, National Association, Member FDIC, pursuant to license by Mastercard International Incorporated. Netspend is a registered agent of MetaBank, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. Use of the Card Account is subject to activation, ID verification, and funds availability. Transaction fees, terms, and conditions apply to the use and reloading of the Card Account. See the Cardholder Agreement for details.

Azulos™ Plus is a deposit account established by MetaBank®, National Association, Member FDIC, and the Mastercard Debit Card is issued by MetaBank, N.A., pursuant to license by Mastercard International Incorporated. Netspend is a service provider to MetaBank, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International.

Card may be used everywhere Debit Mastercard is accepted.

© 2021 Netspend Corporation. All rights reserved worldwide. Netspend is the federally registered U.S. service mark of Netspend Corporation. All other trademarks and service marks belong to their owners.