Netspend Reviews

I just wanted to leave a review about my NetSpend card. I have truly been pleased with it from the moment I got it. I've introduced it to my family members that will listen to me rant and rave about this card. And they too have enjoyed NetSpend thoroughly. Thank you all for giving peace of mind back to those who thought that they couldn't get any type of banking services.

On the whole, I have been fairly satisfied with NetSpend. It has allowed me to enjoy the benefits of having a checking account without the pre-qualifications. However, my recent experience with my account being breached, resulting in unpaid bills and limited funds has not been pleasant. To add insult to injury, I have sustained an overdraft fee, because there are not funds to pay it. I am told that the investigation will take 45 to 90 days, however a loan of the stolen amount will be allotted in 10 business days (2 weeks). In this day and age of electronics, it can easily be investigated whether or not the claim is true. NetSpend claims our funds are FDIC insured, so what is the problem???

I don't have a checking account and NetSpend was the quickest and easiest way to get checks cashed and then get them deposited. I don't have much cash so it's easy. My checks are direct deposited so I don't have to mess with it. Every place takes Visas so it's not a problem.

First, when you get 1 of these cards, you canNOT access your money or the card right away. In order to activate your card, you have to send in a copy of your SSN, birth certificate, and your whole life, in order for them to identify who you say you are, in order for them to activate this stupid card. Once I found this out I canceled immediately. On top of that, from reading other reviews, they charge you 2 dollars for every time you swipe your card. Who wants to pay to use their own money??? NOT ME, SMFH. Stay away from this card PLEASE.

I was researching online and seen NetSpend come up. I spoke with somebody randomly about it, they said it's a good business for online banking. I've had good service with them. I had a card stopped for a while until I could get some business straightened out but my cloud drafted some money off it when it wasn't supposed to and they responded to that so I got a new card. The functions of business were stellar.

It sucks! I've had this card for 3 months now. When I go to the store, I have to pay $3.74 to load money onto my card. And after I load my card every time I check my card an extra dollar is taken. So I'm really paying $4.74 to load my card. Sometimes $2 is taken off my card. So I'm paying $4.74-$5.74 which I think is absolutely ridiculous. Last time I loaded my card, I was charged two dollars. And it doesn't even show who or what is taking these transactions. I was two dollars short for paying one of my bills. So I had to run to the store and pay 3.74 just to load $2 on my card and then be automatically charged an extra dollar for no reason. NetSpend is a rip off. After I pay my bill, I'm closing my account and I will never be a customer of theirs again. And I'm not recommending them to anyone.

I got NetSpend at the time that I was not able to have a traditional bank account and needed to have a bank card so that I could have direct deposit. It has been helpful if there has been an overdraft fee because of its overdraft protection plan. I am also able to have my income direct deposited a day or two which is earlier than everybody else. Plus it's very convenient for paying bills or making online purchases. Though I haven't had to deal with a whole lot of their reps, they've been helpful when I had to.

The people at NetSpend are extremely easy to get along with, very comprehendible and they know what they’re talking about. I liked how NetSpend's direct deposit was set up. I really enjoy it. My paycheck goes on there within three days, which is two whole days earlier than what I was used to in getting paid. I also like the variety of cards. Additionally, I use the online app and it’s easy to keep track of what I have and don’t, and what I’ve spent and where I’ve spent it. It’s a great card and I would recommend it.

I can get my taxes put on the NetSpend card and I liked their price. Since I began using my NetSpend card, I spend more responsibly. It's also convenient to use in paying bills or making online purchases and the direct deposit option is very easy to do. I've recommended it to a few people. But right now, I'm not very happy with them. The last couple of times I talked with them have not been very good. I had a simple question and got three different answers. No one was on the same page and when I asked to speak to a supervisor, they told me they would call me back within 24 hours but they didn't. I finally got a straight answer from them but every time I've had to call customer service, it's been an issue.

Ever since I started using my NetSpend card, I've been able to hold money a bit better and track what I spend on. I use it when I order or pay the bills online. Also, sometimes I'm thankful for their overdraft extension.

My complaint is about the way that Skylight Card handled a recent dispute. I was informed that a dispute was won. Shortly after the international fees for charges disputed were chargeback to my account but the actual transaction were not charged back to my account I contacted Skylight Paycard asking an explanation that how is possible that the charges for the international transactions fees are chargeback but the transaction itself is not chargeback? The only answer that over the phone was quote, "We charged back the fees out of the goodness of our heart.” What kind of answer is that? I made a complaint to Federal Reserve Bank which I never received an answer.

I have a NetSpend MasterCard debit card for five years now and I'm fine with it. I liked that they gave me an insurance plan for six months or so. Their reps are also nice and accurate. When I call and ask a question, they answer it. I am very satisfied with NetSpend. It's convenient and I enjoy it. It's great.

I got this card to make it easier for my daughter... Customer Service, Horrible. One question answered by 4 Reps. 4 different ways of the question being answered. Text message alerts never accurate. Money disappearing. I had a dispute about a charge and it was never rectified. A waste of my time, energy and definitely my MONEY... I'm a single mother and I work too hard for mine. I will never use this service again and definitely worth the recommend.

Do not waste your time or money on NetSpend... After purchasing one of their pre-paid cards... I was on the go and called to have the account set up. They explained almost nothing about the card on the phone or the card's "plan". This card is price gouging at its best. I was wondering why my money was disappearing faster than I could spend it myself... when most of my purchases were small minor things... a pop before work, something to snack on during break. I didn't have access to a smart phone (mine was sent off for repairs) and my isp has been doing a lot of work in the area so our net has been down more than it has been up, so I haven't been using the pc for last few weeks. And come to find out... they charge $2 per debit transaction.

I've had my NetSpend card since 2007. The only reason I got it is because I didn't want my student loans to just be taken out. I wanted to send it in and I didn't want anybody to just take whatever amount they wanted to take off my card.

Different customer service reps give you different information. Now because of this, I have fees on my account which could have been prevented. I do not recommend using their services. I will be closing all of my accounts with NetSpend. Not worth it.

I’ve been using NetSpend for a while now. They provided a service that I wanted and they have the checking and savings account that I was looking for. The best part that I love about it is that I don’t have to carry cash. I've also used it online and it’s very convenient. I relocated to Mississippi and found a reload location at Walmart. However, when I was trying to load $1500, I had to break it down into increments of $500 and got charged for a loading fee each time. Nevertheless, their reps have always been helpful and knowledgeable about what they’re doing. I even have my son go with NetSpend too because it’s easy for me and him to send money back and forth to each other. Overall, it has been an awesome experience. It’s a wonderful card and as long as there's NetSpend, I will not go anywhere else.

I had fraud on my account and they closed my account because of it without contacting me. They waited until the day my direct deposit was sent through and closed the account and supposedly sent me a check. I was told the check was mailed on the 7th then it was the 11th and now the 12th. I also told it would take 3-5 days then I was told it would take 10 business days. I called because I had not received the check and they would not talk to me about it until the 10 business days were up.

I have been a customer for over 5 years. Recently a transaction was approved on my account causing my account to be overdrawn a significant amount. I have repeatedly asked "If I didn't have enough money in my account, why wasn't the transaction declined?" In 5 years I have not been allowed to process anything past 7.00 overdrawn. I do not have overdraft protection. I was told that I am allowed up to 10.00 overdrawn, which I have never seen. The transaction was an additional 20.00. Which by that logic it should have been declined.

I needed a prepaid card because I was accepting collect calls from an offender and Netspend was the provider in that area. I receive my money faster and my information is secure. It’s very convenient. I use the direct deposit and then go to a reload spot when I need to add money on my card. It’s an easy process. I've had good interactions with their team although I've gotten upset with a couple of reps. I understand that a representative may repeat some of the questions that I may have and me having to explain it a couple of times to them to understand and I might get a foreign rep and a foreigner may not understand what I’m trying to say. Overall, my NetSpend experience is the best.

I’ve been with NetSpend for 10 years now or longer. I was tired of having problems with bankers in La Crosse being open when they want to be and never getting anything done on time, so I thought I’d check out NetSpend. They were the only one who didn’t hound me every five minutes with a letter in the mail. They never harassed me and I never got bothered by them.

I wanted to start saving and budgeting my money and with NetSpend, I was able to do that. There isn't a lot of trouble with them and they are very good to customers. I was all for trying their card ‘cause they help people feel secure about where their money is being spent on. I also like that the online aspect is secure. I sometimes don't carry any cash ‘cause I'll spend it all, but NetSpend helps me with my spending habits. I have direct deposit with them and it saves me having to wait for my check. It's been awesome paying bills and making online purchases with my card too. NetSpend is very good with releasing the money. If I have an issue, they’re always good with helping me take care of it. It's very convenient.

Many of NetSpend's options worked well for me. NetSpend has Anytime Alerts as well as everything that I can need to do. If I lose a card, I can go to the site itself and do everything there. That's beneficial because in the past when I dealt with other banks, I always had issues with mysterious transactions happening. I had to wait for a statement to come in to see what was going on.

I lost my Netspend Debit Card back around August 2016. I then discovered that three unauthorized transactions were made. I immediately contacted Netspend Customer Service. The lost card was deactivated and an "investigation" by Netspend began. I was informed by Netspend on October 20 2016 that I will not be refunded the unauthorized transactions! They gave a lot of double talk as to why they made this decision, but at the end of the day, that money was stolen from my account, and the money is not Netspend's but mine.

I like the quality of the service NetSpend gives. I save money and know how to budget better since using their card. It's always there and I can count on it. I buy things online with it all the time. It's very convenient and I like the way that is set up. I use direct deposit and the reload feature at supercenters as well. Every time I call them, they listen to what the problems are. I appreciate the emails they give me. When I lost my card, I had to call the NetSpend team and get a replacement card. I had to use a temporary card for a while but their guys were telling me what to do about the replacement process which was very helpful. I just need to make sure that my direct deposit is coming to the right account. I had set up another account while I was using the temporary card and I had to change it over to the one with my name on it. But the company is reliable. I'd definitely recommend NetSpend.

So... I was excited to get my new personal card. I am linked to my friends account and have a personal one. So we made a 3000+ deposit... All good! Then we transferred my 6000+ tax refund to the card... That did it. This was in April. The company gave us a run around about the funds will deposited in 3-5 days for over a month and in the process of us checking the balance every few days. At that point they had us build up over a hundred dollar negative.

NetSpend is horrible to deal with, if you never have to deal with them don't bother. Yes, you get money sooner but a lot of banks do, Navy Federal pays out at the same time if not sooner. I have had problems with my direct deposit. In which money was deposited and I went to my employer's bank to see when they sent it out, just to find out they sent it with receipt at 10 am. I did not receive it from NetSpend until 10 pm. Now I have an dispute in which my account was debited and I didn't authorize it. And they are telling me it takes 10 days to MAYBE get a "provisional" credit because an initial investigation has to be done, but the way they explained it was they do a full investigation then give you a credit once they know they will receive money back from the company they let rob me. So the provisional credit is really just my money back.

I have had my NetSpend card for a few years. I don't hassle with banks due to bad experiences. However, I love the fact that I have my NetSpend card. I get direct deposit and can use my money whenever I please. Whenever an error does occur customer service representatives ALWAYS resolve the matter right away. I am very pleased with their service most recently due to the fact that I was informed I would have to wait 10 business days for a refund. However, my refund was in my account only after 2 days. Talk about quick service. My money is always there when I need it most. Thank you NetSpend for having great customer service!

I've been a long-time user of NetSpend. I didn’t know much about debit cards back then and I thought of giving it a try. I'm on disability and it was easier and quicker to get my disability payments that way, and that’s primarily why I got NetSpend. It’s easy to use and I get a lot of perks. I make good interest on my savings with it. Transfers are easy, too. NetSpend works really good for me and I like the fact that I can access my account 24/7. I also get notifications whenever money is deposited or when I get a transaction over X amount of dollars. It's pretty cool and makes me sure I’m the one doing the spending. At this day and age, that’s really important and the security with NetSpend is really good. I had one instance about three years ago where something funny showed up on my account and they were all over it. Within 48 hours, it was taken care of and saved me for being hacked.

Bought 4 cards and could not activate any of them without hurting my credit score and they would not return them unless I paid a $5 transaction fee per card. Paid 3.95 for the cards and loaded $10 on each- shredded 4 cards and lost $50+. Do not buy!!!

On October 7th, 2016, I went to a SECU ATM to withdraw $300 on my payday and the ATM didn't give me the money but the transaction went through. I tried it twice. That's why it's $600. I went through getting the bank to find their error and they did so. I gave all the information to NetSpend and they will not refund or credit my money back. This was my money that I did not get proved by the bank and they still say they're investigating. I gave them the bank's phone #, address, and everything for them to call for themselves but they are not listening to me. I want my money back that I worked for. I used to trust NetSpend which is why I had my check go direct deposit but this is the worst experience EVER!

A friend of mine had used NetSpend and told me about it. I like the fact that it gets my money a little faster. I trust the balance and the information that I get from them. There's nothing pending and it's pretty accurate. I do it all with NetSpend - paying bills and making online purchases. When I ordered a card from them I got it right away. I've had them for about ten years now and everything has been good for me.

I am very pleased with the courtesy and professional manner from the agents that have worked with me. Every time I have notified your bank for whatever reason, I have had my issues dealt with promptly with very accurate results. That has left me knowing that I can count on you for any purpose. Thank you.

I've been with NetSpend since 2005 and if they weren't doing a good job, I would have left them. I like them because they send alerts to my phone. We sometimes have to call them, though, because their little app doesn't work whenever I send my mom money. It tells me to contact NetSpend which I do and they send the money for me.

I placed $50 on a card, 6 months later I activated the card. They told me I had $14 left on the account and found out they charge a $5.95 mo maintenance fee whether you use it or not. This is basically no worse than coming into my home and stealing from me. I will never use these guys again and recommend you guys stay away. Also while I was talking to these people, I found out that when your card goes to $0 balance and the monthly maintenance fee goes through, they will report the negative balance to the credit bureau. This is nothing but a bunch of crooks. STAY AWAY!

Overdraft fees are bogus. I have been charged a lot and sometimes the reimbursement for the fees but not all I'm entitled to. They say under 10$ they don't charge. But I have a balance of $3.34 and buy something for $3.34 and they charge me the $15 overdraft fee. I've been charged 300$ for the year and some are bogus and I am looking into this matter.

I've used NetSpend for at least 10 years now. I've stuck with them throughout the years because there are no fees and the direct deposit sometimes hits earlier. Although for some reason I don’t get my text messages anymore and I wish I could get those back.

My co-worker's brother told her about NetSpend and we both signed up at the same time. Managing my finances is better with NetSpend. I got direct deposit and I used to use my card to pay bills or get my medicine. When I had a problem where utility took out more than what they’re supposed to, I was told to contact utility, but utility told me I needed to contact NetSpend to get my money back. I sent them an email and NetSpend was supposed to look into it about two or three months ago but they never responded back. I also recommended NetSpend to someone but she said she didn’t get anything from NetSpend. Another was when I wanted to change my email address, NetSpend wouldn't let me.

On the morning of July 9 2016 I awoke to find an 89.99 charge to my card. I was told my account was compromised. Was issued a new card. Nothing was said about I couldn't file a dispute while pending. On my 2nd call I was told this, on the 18th of July I filed a dispute, again nothing was said that I had to write a letter so I got a letter saying since no letter no refund. I called then was told to email letter. Dispute reopened told up to 60 days. This was on Aug 1st now being told dispute closed no refund. Even though Alphatron Nitrites support@alphaus has no record of a purchase or service.

I would highly recommend the Skylight card. The one feature that I really like is that after every purchase you make you can get documentation of your purchase and a current balance on your phone, you always know your balance. No embarrassment at the checkout counter.

An incident occurred for me where $17.38 was taken out of my account by a foreign bank and, when I called to resolve the fraudulent transaction, I was greeted with a wonderful customer service and timely reporting of the matter. I was very impressed overall with the service and will continue to use my NetSpend card proudly.

NetSpend helped me a lot because I learned how to use cash instead of credit. It really helped me when I didn’t have a checking or savings account. Every time that I’ve had a problem, NetSpend has been very quick to fix it for me. I think highly of them. One time, somebody stole my card and I didn’t even know it was stolen until I got in the car. And when I got in the car, I got a text telling me that there was a purchase on my card. I called NetSpend immediately and told them, “I’m here. I am not making a purchase at this time.” So they were able to stop the person from making the purchase. It was really a good experience.

I have had a terrible experience with Netspend so far. They have stolen money that was transferred from PayPal and shows that it was completed by Paypal for over 48 hours on their end. Netspend is telling me that they don't show any information of a transfer, and the money has been moved to Metabank per discussion with Paypal. I now feel that my money has been stolen from me and will no longer ever be put into my account, and that NetSpend in responsible for that. They are unwilling to help, have hung up on me multiple, and have now threatened me by saying I may or may not get my entire transfer. Last time I checked, money I earned belonged to me unless it was owed to someone else. Netspend is not entitled to any of this money because I do not owe them a balance. Therefore they have now threatened me with not getting all of my money, and that constitutes as stealing.

NetSpend is really great for direct deposit; sometimes my check went in 10 days ahead. Plus, bills payment using NetSpend works really good because for the $5 a month, it's unlimited. Long a time ago, my card number had been hacked by somebody in India and they got right on my problem and got my money back. I've always recommended NetSpend, managing my finances is much better.

I used NetSpend before 2005. Thought I'd give them another try because I was pleased with their service back then. Well I was shorted by 179.00 after contacting my direct deposit source. I called customer service twice and got the same answer: "The amount deposited was from your source". Then I called my SS office who is the source and went online to find that NetSpend did short me 179.00 and do not feel like going back and forth when their reps say the same thing: "that's all that was deposited".

I've been a member since 2008. I love my card, it's better than having a checking account and bounced checks. I recommended my son to them. I have NetSpend for 8 years now and my experience has been very good.

Your process is totally over the top difficult. I was on the east coast, my daughter on the west coast. I was trying to get her a reloadable card that could be reloaded from the east coast. I put in my daughter's info and used my address for the card so it would come to me first. My daughter is in a residential treatment program for addiction so I wanted all the info to come to me.

I get my paychecks earlier with NetSpend. It also helped me to manage my finances since if I didn't get an alert to let me know my balance, I can't make a purchase. I had a very good experience so far.

I highly recommend NetSpend. I haven’t had any problems with my NetSpend card that’s why I’ve been with them for so long. I usually use the direct deposit the most often. I hope they don’t go out of business.

I’ve been with NetSpend for about 12 years. It has the alerts if something gets billed on your card you get the alert straight on your phone. It's also convenient for paying bills and buying online. However, I’ve had some charges put on my account, and twice it was in the negative and they still let it through, and I’m trying to figure out how. When the negative charges came, their customer service switched me to different people and then whoever did not want to deal with it hung up. At one point, I was on the phone for three hours with them and about seven or eight different reps. I got tired since I had to tell the story over and over.

Having my NetSpend card is convenient. I’m able to see and notate all the transactions because it has the instant direct deposit. I never have overcharges with the bank. I use my card to pay bills and online purchases all that time, that’s mainly what I got it for. If I need to put something on the card or if I have to pay a bill, I’ll just go to Walmart to do it. Also, both of my jobs have direct deposit on the card.

There was a circumstance where I had the paper check coming from SSI and they didn’t deliver it so my friend turned me on to NetSpend, and I’ve been with them ever since. I do direct deposit and I manage my finances better with them. I can also call them and ask questions and get the answer right away. I’ve wanted to write them to let them know how much I appreciate everything they did for me. I just like to thank them. It's a wonderful and good experience.

I've been using NetSpend for 20 years. I have direct deposits through them and I use it to pay bills and make online purchases which is extremely convenient, and I can track my finances online. They handle everything promptly and courteously and answer any questions that I have. When somebody hacked my account, they were able to get to the bottom of it quickly. I love them and I wouldn't switch.

I walked up into a gas station looking for a card that would hold more money. I knew approximately how much I get every month from Social Security and there were all kinds of cards there but I looked at the two NetSpend cards first. There was one that could hold $500 and the other one could hold all the way up to a thousand. That was a big factor.

I received my NetSpend card from check and go. They entered the proper address but NetSpend put my former address as my current. They then sent my personalized card to that address. I did not get it. I wrote to them and said change your address. The website and customer care won't let you until you activate your card. You see the problem? They do not. When I complained they made things worse by changing my pin and putting a freeze on my account until I provided security answers to several questions. They asked me if I ever lived at addresses I had never heard of.

Paying 60+ Dollars a year for crap service with barely understandable thick Indian accented customer service reps. Who are impatient and rude. They also seem inexperienced. (No offense.) Card gets "Lost" in the mail, but was never actually made or sent out and I never even got a shipping confirmation. The 2nd time they sent out my card I did get the confirmation, but it doesn't stop there. Ask for them to reship my custom card, and instead, I get a crap replacement card. (Default ugly black and yellow look) Which is not what I asked for.

I’ve been using NetSpend for over 10 years. I don’t like switching banks, so I stayed. So far, I’m consistent with the way I’m managing my account. I use direct deposit more frequently because that’s how I set it up. I use it on everything that I do - my school refund, income tax, payroll, child support, etc. I don’t have an issue with them. However, the last couple of months, I’ve been running into customer service issues. They’re not consistent with the information that they’re delivering. In some situations where I have to call in, I was told anything just to get me off the phone. In fact, last week I got hung up on. The rep was really rude and she was cutting me off. I asked for a supervisor and she told me it was going to be a three-hour wait.

I wanted to get something where I wouldn't have to worry about bank fees and NetSpend was the first one that I liked when I talked to, so I decided to get one. They were able to get my disability on that card instead of having it go through a bank where I have to pay an arm or a leg just to get signed up. I have direct deposit and I get my money earlier than they normally do, which helps especially when I need to get something. I appreciate that. They are always right on target whenever they say that it's going to get posted. I also get an alert when it's supposed to and it also let me know my remaining balance whenever I spend.

I like a lot of the features of NetSpend. I used it to pay bills and make online purchases which are convenient for me. I also utilized their direct deposit. All the time I called them they were very friendly and helpful and I didn’t have any problems. It was always backed up by a real bank account. However, I don’t use the card anymore as there were a couple limitations on it. I’ve tried out some of the other cards and there was always a nightmare associated with it. Netspend is probably the best one as far as all the prepaid cards there is out there. It's terrific.

Although NetSpend does not try to hide the fees they charge. The fees are foolish and can really rip you off... After reviewing my transactions I realized that I was giving NetSpend 20 per month in transaction fees! I cancelled my account and cut up my card. If you have a NetSpend Card account here is how you can beat them. Go to an atm and withdraw your money instead of making a purchase with this card. At the atm you will only pay a 2.50 fee and that's better than you getting charged 2.00 per transaction every time you swipe your card.

I’ve had NetSpend for so long. I get my direct deposit on there from my ex-husband’s retirement money. I always get the $400 on there every month that I can depend on, so that’s good. With NetSpend, I pretty much do not have to carry cash. Customer service is great too and I haven’t used them that often. I have also finally started going to the bank to get my money off my card instead of using the bank machine. When I use the bank machine to get that $400 off of there, I end up paying about $10. But when I go into the bank, I can have them run it and it’ll only cost me like $2.50. So far, it's been an excellent experience.

I had just started working in 2008 and I needed to have my direct deposit, so I ended up setting up Netspend. It's something where my direct deposit goes so I can make my bill payments online. Their customer service sucks. They tell me that they’re going to call me back and they don’t. I had an issue with my debit card last week and they assured me that they were going to call back, and they never did. I happened to use my card at the store and it worked, but nobody called. The only reason I still deal with them is because it gets me my paycheck early. Instead of getting it on Thursday night or Friday morning, I get it earlier than everybody else, so that’s still cool. I have friends that I told them about NetSpend and they have accounts with them. The service has just been not all that great lately.

I have been a customer with NetSpend ace elite card since 2012. In that time they have always been helpful. I have no complaints. When I call they always are sincere in helping me with anything I need. They tell you the fees upfront. I chose the 5 dollar monthly fee. It saves me money as I'm on direct deposit. I get paid earlier than I would with other card companies. Any issues that ever come up which is almost never they fix really fast. I would recommend anyone to use this card company you will not be disappointed. I will continue to do business with them for many years to come.

My deposit goes in earlier with NetSpend than everybody else’s, so that helps a lot. It’s more convenient and I don't have to carry cash, which is good. I like that I’ve got overdraft protection, which unfortunately I use all the time. I use it to pay bills or make online purchases all the time. I’ve had to call customer service a couple of times, but they’ve always been very courteous. I like the NetSpend card and I tell people, to get one because of the fact that they can get early deposit.

Excellent customer service. Just as long as you use your card each month you're fine. NetSpend will also inform you of your daily balance, to me that's a blessing. I appreciate your company.

At first NetSpend seemed to give deposits quickly then suddenly my deposits were delayed. I attempted to call customer service regarding the issue and I was told they never seen deposits pending. I asked to speak to a supervisor and not only was I treated rudely but then I was told by her that there was nobody else above her I could speak to. Every time that my check was delayed and I would call in I was told they did not see a pending deposit but then magically an hour later my deposit would go through. If it continues I will report it to the BBB.

When I first used this service it was easy to change my pin and I like that I'm not constantly reminded to reload my card. It's reliable and I'd definitely recommend it to others.

I am on Social Security Disability and I love having my card, because I get my check before my actual due date. This is a great feature because being on a limited income you tend to run out of money before the next pay day.

My replacement card was sent. I supposedly activated it but it is always declined. Now I call the customer service number, and I'm told my card number and social are invalid. To make matters worse I can not even talk to human being! Thanks NetSpend. First Green Dot now NetSpend.

I have had an acct with NetSpend for numerous years. I had to lodge my 1st dispute recently regarding fraudulent activity. It was a very lengthy process that was made difficult by the fact that no one I spoke to at NetSpend customer service spoke English. After the initial charges appeared on my card I attempted to resolve it thru the company that processed the charges. When that did not work, I contacted NetSpend and started the process. I called customer service and was told the charges would be reversed and a dispute would be filed - they were reversed but even after my account was closed and a new card was issued the company was still allowed to process their charges against my funds. And the dispute was not filed by the agent.

I was scammed by a co-worker and my bank account was closed. I paid it immediately, but I was still blacklisted for 6 years for being the victim of a crime. I live off of SSA survivor benefits and without my NetSpend card I couldn't receive my child's benefits without paying a chunk of it to cash the paper check and then bus around to pay out bills. All of the limitations proposed recently by the CFPB removes any alternatives for consumers who have landed in my place. The poor have fewer and fewer options. Now that I no longer have a career (due to the trillion dollar bailout of wall street) and live as an impoverished American I see now how we will soon become another 3rd world country with a small few thriving in their 1st world lives off of our suffering.

My debit cards were compromised not once but twice in a month and a half. The first go around the experience was awful. Couldnt pay the bills, get money, nothing. EXCEPT... "I am sorry miss. There is nothing I could do." Sweet right! Well, when it happened AGAIN two weeks almost to the day let's just say a little mad was not it! I got right on the phone. Spoke again with an advocate and SHE said, "I'm so very sorry this is happening again to you but let me get you in touch WITH THE FRAUD DEPARTMENT!" Now it is a Sunday and it was closed. Understandable.

I have been using a NetSpend card for 6 years. When I needed them to help me get monthly bank statements they gave me a runaround and then charged me to email me the statement. The email took a week to arrive and almost made me lose a house loan I was receiving. Any number you try to call connects you to a person not in this country and that don't know what they are doing besides following a script giving to them. Do not deal with company!!!

This card gives a good service in all the areas. Just to name one, last week my numbers were stolen in a restaurant. Next day I found charges that I did not make. Before I called to customer service I realized that the card was blocked already by NetSpend. The money taken from my account was returned in 24 hours.

For the most part I am happy with my experiences with NetSpend. I really enjoy getting my direct deposit two days earlier than most of my coworkers. Having direct deposit has its advantages. My main complaint is that when I have monies to be deposited to my account I have to pay a fee to add those funds to my own account.

I have been a NetSpend card holder for over 7 years. I have been happy with my experience and see no reason to have a traditional bank account. Keep up the good work!

Cost to my bank. The $100. Was recredited to my account. I am now in possession of a $100. Dollar Check issued by NetSpend and not sure what to do. I am still out $25 stop check fee. I am happy to return the check but don't know where to send. Issued 8-8-2016 to account **. It says to apply to my account. But pay to order of Netspend. No one will cash it.

At the time I got NetSpend, it was more convenient than the other prepaid debit card providers. I have a direct deposit for my government check and I pay bills coming out of that every month and it’s fine. My direct deposit is once a month, and I use the locations at least three times other than my direct deposit. It's very easy to find reload locations where I live at. Anytime I’ve had trouble reloading, it’s always on the merchant’s side. It’s not NetSpend. With NetSpend, I don’t have cash available to me, so I don’t feel like going out all the time. If I had the cash, I’d spend it up as opposed to having it on my card. It makes me spend more responsibly. I do more online shopping, though. Moreover, I am able to get money to other NetSpend users quickly. In fact, I had other family members have NetSpend cards, so it’s really easy and quick for me to do a money transfer to my son, my husband or whoever. That’s very helpful.

I love my NetSpend card for all my online shopping. Since I usually have money on my card I use it for emergency purchases as well. Very convenient and reliable plus, I can check my balance in a matter of minutes. Thank you NetSpend.

The card is a great help in a pinch when you are on a budget. Great for online bill payment. Even got my sister in New Jersey to put money on the card through Pop pay.

I love Netspend. My money is always available and when I put money on my card it's available right away. This is more convenient for me and my family paying bills, going shopping. It's great.

My NetSpend works exactly as a credit/debit card. I've had this card about 4 years and I have never been happier. I've never had a problem that customer service hasn't been about to help me straighten out. I'll tell anyone that will listen this is the card to have. Especially trying to rebuild your credit.

I don't like the fees for every transaction on top of the money service charge. I will be looking for another card service because of it. I have been a customer since 2013.

Yes I did recommend a friend however I didn't get the $20.00 as promised by company. However I love my NetSpend card. It keeps me updated with future direct deposit & balances. It's a great card.

This card and the customer service dept are exactly what you would want your credit card company to be like. You have to be approved for your credit cards but not NetSpend. Yet NetSpend offers far superior benefits. Wouldn't leave home without it!!

I really love being a part of this company. I always receive my funds into my account on time. I hope that we can continue to be successful as a customer in the future even. I love the color of my debit card. I really appreciate such a lovely company too.

I do appreciate the NetSpend has been helpful for keep me update. And they did helped me if I have any problem with the situation and they did response very amazing and please keep it up.

I've been with NetSpend for many years now and wouldn't dream of leaving them for another company. They've helped me through several obstacles. When someone tried fraudulent moves on my account, I contacted customer svc and they handled my situation promptly. From time to time, I wrote messages in to NetSpend, thanking them for the professional help they have and such friendly representatives they have. If there is a problem of any kind with your account, they give you 100% of their help.

I really like my NetSpend account, I never had any problems until about 3 months ago. I have been trying since June to get my monthly statements and have not been able to get ALL of the statements that I need. I called customer service twice and they said that they would email me the statements that I needed and I never received them. I was very disappointed because I needed it in order to try to get my hospital bills charged off. Just 2 weeks ago I went to a bank and opened an account because I need to have access to my monthly statements every month. I am going to close my NetSpend account this week.

Since being an ACE Elite cardholder I have nothing but great things to say. The receive your paycheck 2 days in advance is awesome. Every dispute I have had has been resolved and every time I contact customer service the experience is pleasant, professional and my issues are resolved. I would definitely recommend ACE Elite to both family and friends.

Direct deposits are nice because I can receive my payment a few days sooner than normal. It's a nice alternative to using my personal checking account when shopping online. The cash advance is nice also, as long as I reload my card within 24 hours I'm not charged a fee. Don't like the monthly fee, but I guess I understand. Overall I am satisfied with my NetSpend card and I plan to keep it for a while.

Great service! Love getting paid faster through direct deposit. Love the rewards I get at the end of each month. The only thing I do not like is paying five dollars each month. But other than that great!

My son received this card as a bday gift. We didn't know it was a prepaid card. Well 6 months later, I go to activate it and there's no money on the card, I called spoke to a guy who I can barely understand. Finally come to an agreement. Says he's sending another card with $ on it. Well we got it this last week. I go to activate it and the balance is -.50. Called and the lady was rude, hard to understand and still was asking what the problem was. They have a fee for everything even to look at your balance! They're a freaking joke! Please find a different prepaid company to go through. These people are just there to steal your money!

When I started getting SSI, they suggested a debit card provider and I got it for my funds to be automatically deposited on to, but I found out that that card wasn't accepted at most places. I couldn't pay my bills with it. That's when my fiancé suggested that I try NetSpend, and I've been happy with it. It's the same as having a bank account except that I'm not paying huge fees. I really like the fact that I can't go over $10 in debt with it. So many bank accounts have large amounts that I can overdraft and then end up owing them $300 that I'm paying off over and over.

I love NetSpend. I've been with them for six years now. The NetSpend team are always very friendly and able to answer my questions. In fact, I never had any problem with anyone even at the service center or the people working at the stores where we buy the cards. I have all my direct deposits going into my card. I always get my check at least four days before the date that I'm supposed to receive it. It is very convenient, and it helped me control my finances and pay my bills on time. Moreover, I pay all my bills and make purchases online with my card, and it's very easy. It has been a wonderful experience with NetSpend.

I have been a customer of NetSpend for many years up until a few hours ago. I've had issues with them over the years but today was the final straw. I wake up today to find an email stating there is a problem with my account, "please call." So I call NetSpend only to be transferred to their fraud department. The young lady asked me my name and information then proceeds to say "umm ohh umm.. Well I have a phone number here for you. I will call you right back." I say "sure," hang up and wait for 15 minutes for this person to call me back. She never called me back so I call back NetSpend and ask to speak to their fraud department. The rep was very nasty stating she could not transfer me to the fraud department. She then proceeds to read notes that the fraud department left on my account stating that I had to fax in all this information to verify my identity that she could not help me.

I activated the account setup for direct deposit. As soon as my check hit they locked my account. Then I spoke to rep that assured me once I got my card it would be unblocked. I got the the card. I was asked to email my personal information ss card id, proof residency, both were sent. My account still on hold. Please don't do business with this company. They are crooks.

My ex boyfriend had a friend of his that's never screwed him over before file my taxes. He stole my $3400 refund & had it sent to a NetSpend card instead of my bank account. I contacted them August 17th & the first guy I talked to said I'd be refunded the full amount in 7-10 days when they sent me the card. Got the card & it has a negative balance of $3 & some change & a $5 pending charge that I had NOTHING to do with, as the card was sent to the guy, not me.

I have been with NetSpend for seven years and it's been great. I pay all my bills and do purchases online with my card, and I've never had a problem with it. It is very convenient. Also, I have been able to manage my finances better because they have Anytime Alert. When you buy something, it comes right over my phone. I can see what I spend. They also have the overdraft protection and that's helped me out a lot. Reloading is easy as it seems like every place has it. I have dealt with their team quite a few times about different things, like ordering a new card or disputing a purchase, and every time, they've just straightened it right out.

I have used NetSpend for awhile - usually no problems but I haven't had to call them so no big deal. I decided to send an employee money through Western Union option online on my account, that was a big mistake. Charged me $24 to send $720. I can get over that because I needed it done but my employee lost his wallet so he had no id to pick it up so I called Western Union to change the receiver's name and they said I would have to go into the store that I got the transaction with. I was like "How am I suppose to do that when I did it online? I'm in Arkansas." They said I did it in the store in Kansas. WHAT?

I needed to do something quick and a friend told me about NetSpend so I tried it. Since using them, it is easier for me because I don't have to go back and forth to the bank. I also don't have to worry about direct deposit. If I have any questions about it, their staff is always right on time. Also, it's very easy to use it online or paying bills. I use it for everything. It's so ironic because I don't even carry cash anymore. Their reps have been great and they have always taken care of whatever I needed taken care of like transferring money. I have all of my daughters with NetSpend and they always call on daddy. They’re spread out across the country and I move around quite frequently, so when they say “daddy,” I just transfer. They don't have to go pick it up since the money is right there on their card. My experience with NetSpend has been great.

NetSpend deposits my Social Security check two days early and that's the biggest reason why I chose them. They've been wonderful and reliable. Every time I use the card to swipe at a store, they send me a text message alert. I do direct deposit more often, but every now and then I reload or I have a friend who sends me money through PayPal with my NetSpend card. I also used to get money sent to me like that through NetSpend and it’s very easy for me. Additionally, the reps are very nice and accommodating. When you have a problem with a dispute, they handle it right away. If you put it in writing, they put it back on your card immediately.

My 8 year old son got this for a birthday present. I gave him the 20.00 and said I use these debit cards all the time. I had to call the company to activate card and make an acct. I was not happy about doing that I just wanted to use the "gift card". After multiple calls I find out I have been denied for insuff funds (the code at the store or online does not tell you why). I get some woman who I can barely understand because English is not her first language. I finally get the answer that there is a 2.00 fee to use the card. So now my 20.00 card is only worth 18.00. I try to use the card again for 18.00. Card is declined again. I log into acct today and see I was charged a monthly fee of 5.95! Now I have a balance of 14.05 and when I use it I will be charge a 2.00 fee to use the card. So now I only have 12.05 left of a 20.00 gift my son received. Does this not seem like a big scam to steal your money! Please do not buy these cards! You will not be happy!

I use NetSpend for savings. If I go somewhere I have this card that doesn’t have access to my entire life. As opposed to a debit card, it’s connected to a bank and everything else. When I want only specific amounts of funds to be carried with me, I put it on the NetSpend card and it helps because I only got that much to spend. It's convenient. Everything I’ve wanted to do with it, I’ve been able to do. I needed a new card because it had expired. I was out of the country for many years and, as soon as I came back, I ordered a new one and it was all automated.

I like NetSpend. I've been with them for at least three years, and I get convenience from their card. I use it to pay my bills. I also had no problems with the NetSpend team when I talked to them to reset my password. Sometimes, one of the payments that I make doesn't come up on the card and that confuses me. But overall, it’s been excellent with NetSpend.

Working on the road takes me to different states and towns overnight at times. While at home in Tulsa, OK my card was used to pay a phone bill for over 400.00$. The text was sent to my phone to let me know how much and where it was spent (Sprint). At the time I was not a customer. Immediately I called NetSpend which is run by people with poor English in India. They beat around the bush for 3 months, sent a letter saying my claim was fraudulent. I never got my money back! They say FDIC insured. That's a load of bull!

NetSpend was convenient for online services, it was the service that was offered at the time and it was something I was looking for. I've been using it for about nine years now and it keeps me up to date on a daily basis. It helped me to be able to stay in line as to what I have and what's available, not to overdraw and not have overdraft. I've called them when I was charged for something that I shouldn't have been charged for and they took care of it in a timely fashion. Their reps have been polite, friendly and caring. Everything's been taken care of no matter what the issue or concern was.

NetSpend is great and convenient, and I use it to get the deposit earlier. My interaction with the NetSpend team has been good, except for one time when I couldn’t understand the person because we had a language barrier. The only thing I don't like about the card is if I get gas, they put a hold on my account if it's between $76 or $100. It's inconvenient, especially if I have to get groceries for the family. Other than that, using the card is a lot easier because I have a lot of things that I have set up to come off my card and just having it handy at any time and using it anywhere. I never had any problems with anything out of state, like California or Vegas. The alerts always let me know what my balance is every day so that way, I know what I have available. I also like the fact that I can add my personalized photo to the card.

NetSpend lets me know my balance better and there are less mistakes with them. They also keep an eye on everything. In the beginning their team was great and I really enjoyed them the first few years. However, recently the English isn’t so good for them. I have a savings account and direct deposit attached to it. It’s extremely easy to use and they have a better interest rate on their savings accounts. My check is direct deposit and directly into my account so we had to use the reload thing a couple of times. I can also pay bills right on my account online which is extremely convenient. I could use the alert anytime anything goes through.

I needed the NetSpend card because of my disability check. It's been a good tool for me. I've been able to get the text for my balance every time I use it so I know exactly what I have and whether I can treat myself or hold back for my bills. If I get extra cash, I have one reload location right around the corner. I love NetSpend as well because they were right there for me when somebody got into my card and took all my money. I got a text saying my account was used somewhere in New York and I live in Florida. It's been great for me and I don't think I'd switch to another.

I have been with NetSpend for 3 yrs and am totally satisfied. Anytime there has been a non-authorized charge it has always been fixed asap. I have recommended NetSpend to friends and family.

A family member told me about NetSpend and she had nothing bad to say about them. It's the only way I pay my bills and it’s very convenient. I had a few interactions with the NetSpend team that wasn’t to my liking. I called about an illegal transaction happening with my card. They were in a bad mood and I happened to be the one they took the bad mood out on. When I told them that I couldn’t understand them, they got a little upset with me and it went downhill from there. The best thing for me to do was hang up. I got off the phone to call back and talk to a supervisor. But what I love about NetSpend is if there was an illegal transaction on my card, they will take care of it. I know through firsthand experience. With NetSpend, I can’t spend more than what I don’t have. I like my VISA card and I wouldn’t leave NetSpend.

When I went into ACE trying to get a debit card, they told me about the NetSpend program and the program overall such as the benefits sounded really good. I've been on it for a while and I'm loving the service. The most benefit I get out of it is I could get the money early so I'm able to pay my bills on time. I was not able to do this before with a regular account.

My name changed and when my direct deposit hit they locked my account until I could send in proof. My direct deposit should not have hit my account until Tuesday but hit the Friday before payday. I received no notification that my account was unlocked or that my pending deposit hit my account. Instead I got a text message stating that there was a 900.00 account to account transfer. I called NetSpend within 10 minutes of this transaction. They told me it would be 10 business days. I sent in a letter of dispute. They told me on the 14th day that they never received it and lied about Saturdays being a business day. Then on the day that they was supposed to credit my account they tell me they can't because they lost my fax even though I sent them an email on the 14th day since they lost my fax.

I’ve been with NetSpend for years. I do a lot of online bill payment and shopping, and the payment process is pretty simple. As long as I have my account number and routing number, it’s easy. If I spend on certain merchants, I receive money back which is really interesting and neat. I also have direct deposit from my employer and sometimes when I need to load money, I just go to a 7-11 and it’s easily loadable. They charge about $5 but that’s okay. I love getting paid two days early, and when I refer people, we both get $20.

I bought this HEB prepaid card for my daughter on August 16 so that I could load it every week, so that she could buy groceries while away at college. It is now September 3 and after numerous attempts we still cannot get it activated. She doesn't have the residency proof that they are requesting. Her signed lease agreement won't work. The customer service won't even speak to me about it since she is the card holder. If you are a parent trying to get this for a kid away at college, just steer clear. As long as she can use the 50 I put on it at checkout I'm good to cut ties. I absolutely do not recommend this.

This is a very untrustworthy company. Do not trust anything they said I got paid. I never activated my card because my card didn't come in the mail so I called the company and they said they were going to hold my money until I got my card and I activated it. I got my card activated it and come to find out they sent my money back. Bull crap company.

I've tried purchasing online and the card would decline but they’d still hold the funds out of the account. The reason the card was declining was because of the ZIP code being wrong, which I didn't realize. It happened twice and both times, it took five days. I had to call them and say the funds are not back on my card yet and that I need that money back. The person on the phone at first told me that it goes back on automatically. I had to dig further into it because it obviously didn’t go back on. The second time, they tried to tell me the same thing that it automatically goes back on and I had to explain to them that it doesn’t. It bothered me that if they decline a transaction, they still hold those funds.

A relative of mine had NetSpend and she told me I will get paid sooner with it. I used to get paid two days earlier but after a while, I noticed that it didn't even make a difference versus the bank. A lot of the representatives weren't great. I feel that NetSpend outsources representatives from other countries and I can barely understand what they're saying. They try to help me but the more they do, they confuse me more due to a language barrier. I also never got to load money because I had no idea where to do it. I stopped trying and I used the direct deposit. There's also a charge for every little thing.

When I first got with NetSpend, they were exactly what they said they were. I used to get my check two to three days early, but now, I'm not getting them after what said date. It's becoming unpredictable and harder for me to keep my bills paid on time because a lot of my stuff are on auto pay. I also don’t like the fact that they never know anything about the deposits. They’ll always say, “When we get it, you'd get it immediately.” but then the Social Security tells, “No. They already have it in advance, so it's up to them to release it.” We're told so many different stories.

Please stay far away from them. In my honest opinion they have terrible customer service and God forbid you have a fraudulent charge, they will only help the thief and not you. They will refer you to their small print terms and conditions that we all know nobody reads to back them up for not helping you.

NetSpend is one of those companies that enriches itself off of the poor. High fees, arbitrarily suspends access to your own money. Dispute a charge? They will suspend access to your money for days (DAYS), until they send you a card in the mail. Don't want to wait 3 or 4 days? That is 29.95 for "expedited shipping", still 2 days. Try to call the customer service line (which is answered in the Philippines, so unless you speak Tagalog, you don't receive much help) and ask for a manager or supervisor. You will be put on hold for 20 mins, before the line disconnects. Happened to me 6 times over two days. Never resolved my problem. Never spoke to a manager. My time is as valuable as theirs.

The primary reason I got a NetSpend card was because I don't use credit cards and it can be used like one. I'm using my money instead of paying somebody else to use theirs. With NetSpend, I put certain things on autopay and don’t have to worry about them being paid. And I also get updates on what’s coming out of my check because I’m mad about somebody else taking money out of my check who shouldn’t be taking it out. I've also been doing online shopping with NetSpend for five years almost which has been convenient. I can control what I'm spending and register the transaction right after it happens with NetSpend. I don't need to wait on the bank to get it in and post it for me. It's also very comfortable for me to use direct deposit. I don't have a problem with NetSpend which makes me happy unlike with the bank which I have had. I already recommended NetSpend to friends. The company has been very easy to deal with.

When I retired, I needed a debit account to get my checks for my income. I got NetSpend and setting it up for the direct deposit was pretty easy. I was able to directly mail money to my daughter or directly send it to her from my account and I've also used it to auto-pay some bills so it’s been very handy. Everybody’s always been courteous when I needed to contact them. Everything’s well with Netspend. I'm very satisfied and I would recommend it.

This is the second time I called NetSpend and they have no clue what they're telling me. It's two days before I usually get paid and still NOTHING. I need my money and they can't even tell me when I will be getting it. The man said "just wait a few". Well that took all day. Nothing. The lady the next day kept telling me nonsense things. I couldn't even understand her English! I got my lease four days ago and nothing. It usually posts two days after. Once this deposits I am leaving this bank.

I didn't have a way of cashing checks from my job but with NetSpend, my checks go straight in and I get them on Wednesdays instead of Friday. I also get text messages telling me how much I have in my account every time I use it. The card is convenient to use for online purchases and the direct deposit option is an easy to do, but all the fees they tack on is ridiculous. Also, some of the guys at NetSpend seem like they have no idea what they’re doing. I had called in about why I couldn’t take out x-amount of money because I used to be able to all at once. The guy didn’t get what I was saying so I had to talk to someone else. It took a whole 15 minutes to get the whole thing handled.

I had an IRS problem and was having difficulty opening a bank account, and they referred me to NetSpend. Anytime that I've called with an issue or a problem, like when someone was taking money out of my account, they clarified it, corrected it and there was no issue with it. They've been fairly helpful. The only issue I have is that they're a lot more expensive than a regular bank account to use. I'm also a little taken aback with the fact that like my rent check, I have to hit an ATM three times and that's like a $13.50 process just to withdraw enough money because I don't have checks or anything through them.

I had a person who was staying with me and she was constantly stealing my NetSpend card. I had to constantly keep ordering a card. But I never got reimbursed for some of the transactions that she made. I was receiving almost $1500 monthly through this card, and some of my stuff I disputed with NetSpend, I never received anything back. The SSI payments were sent back to NetSpend. My rent got behind because NetSpend closed my account and then notified me right away. They closed my account because it kept getting overdrawn. So my money stayed floating around in the system for four weeks. I had the worst experience with NetSpend and I would never recommend them.

I loved Netspend at one point in time. I came to not liking them, when I would see charges on my account that didnt belong to me or that I didnt authorize. I thought thats what dispute was for. They closed my account, with a notice that I couldnt read because my online access was blocked. And then my disability payment is set to be sent to my Netspend card in one day! Very bad business!

I brought a NetSpend card on 8/15/16 for $2.95 with the activation amount of $285. When I checked my account only $125 was available which they saying I loaded on 6/29/16. How is that possible? They giving me all this run around blaming where it on where I purchased from. $160 gone. Some b.s..

I’ve been with NetSpend since 2010. They have a good program I’m able to save with them. Once I have the right deposit over $250, they give an overdraft and I can overdraft on my card up to $100 dollars. And once I use their card so much, they give some things that I can get offers on. If I spend money on certain stuff, I would get cash back on the card. I use direct deposit every month and my benefits get direct deposit on my card. I love how it comes before I'm supposed to get it. In the middle of the month I’d be broke and when I get down to the 25th or 26th, I know my money will be posted earlier than usual. I pay my bills all on time because my check gets deposited five days early, and my credit score went up because of it.

I got a NetSpend card through a truck stop a long time ago. However I had $585 taken out of my account through an account-to-account transfer that was unauthorized. I called NetSpend to dispute it and also filed a police report. NetSpend would not let me speak to any type of supervisors or anyone in their fraud department. They would not even communicate with the police detective that was trying to get the information from them. When I call them and somebody answers the phone, the only type of communication they have with the supervisors or the fraud department is through email. They have no way to transfer the phone calls to them.

Years ago, NetSpend was the only one that was doing direct deposit two days earlier for my payroll than others. I’m able to pay my bills sooner and faster with them. It hasn’t been all that great with the representative though. I had to call them quite a few times. In one instance they were knowledgeable and in another instance where they were giving me policies and procedures as far as how they changed, I didn’t get a notification in the mail so I was upset about that.

Great rate and encourage me to save.

NetSpend has direct deposit and usually I get the deposit a week earlier. At the time when I had a job, the direct deposit helped out. Everything's been awesome. There's one time that I had fraud charges, and the reps helped me out getting my funds back in a reasonable amount of time. They were there to help me to work out what they needed for me that's why I'm still with them. The card is all good to me. There's only one problem though - some hotels don't take prepaid cards but then I was trying to tell them that this is my bank also, it's not just a prepaid. It happened a couple of times. But other than that, the card has worked out for me. I love how I get text alerts every time anything is charged or deposited, and I get it right to my phone so that's a good benefit. I'm very satisfied. Keep up the good work at NetSpend and don't change anything for now.

I WISH I COULD GIVE THIS ZERO STARS!!! Netspend has the WORST customer service ever. I have never been so DISRESPECTED in my entire life. First they block my account for "fraud" and tell me that they always block everyone's new account at first, and that everyone has to send in copies of their license and ss card and a utility bill, well, my husband purchased a card at the same time and didn't have to jump through these hoops! Thought they already verified who I am when I went and purchased the card at the store!!!

I received my tax return in March using NetSpend. I called to activate card. There was a block on it. So I called customer service, they said to send my id & social sec, and mail. Sent it. Denied. I cancelled my account so they could just send my check. 5 months later still no check. This is robbery... This is criminal. Customer service just tell you they want to get you off the phone. Don't use this company.

The last time I spoke to a representative which was yesterday I got a really rude customer assistance. I had filed three disputes. One with Jamberry Nails where they took two 20.00 dollar payments out one on one day and the other two days later and I only ordered the first so this was fraud on their company. I was turned down on that dispute and have tried to get it straight and with no success. The other was from a fitness place I had never heard of and they had been withdrawing 40.00 a month out of my account and I had never even heard of the place. The purpose card credited me back one 40.00 dollar payment from Premier Fitness but have gotten no response on the others so I called yesterday to find out where it all stood and the lady was so rude and told me no other disputes have been filed. I just don't understand. I love my purpose card but would like to understand how this can happen.

NetSpend is very lax on customer service. I've opted for other companies so I don't use them much anymore. Any money that goes through that account, I basically transfer away. They do provide a routing and an account number which allows me to have bank deposits like a payroll deposit, and that's the only thing that I use them for at this point. I don't use them for transactions. Their international fees are astronomical, and I spend a lot of time in Mexico because we have a business there. Also, many times, it took half an hour or an hour to get through to somebody. Then when I finally get to the place where I would normally talk to somebody, instead of me talking to somebody, they will have a message and offer to call me back, often times not calling back. They were pretty frustrating at times.

All I went into the Ace Check Cashing for was a money order. Wound up having to sign up, fill out applications and so much just for the money order. They gave me a free $10 card for signing up. Turns out, I never got to use it because I took too long and two $5 maintenance fees were charged and when I tried to use the card it was unsuccessful and upon calling I learned of the maintenance fees which were not disclosed when the free money was given to me on the card. The fact that I was in a hurry and needed the money order, so I stayed in which turned into a car buying scenario of paperwork and the "so-called" reward was not a real reward at all. Deceit, dishonesty, and a waste of time.

I have been a customer of NetSpend for more than 8 years. I am totally satisfied with all the services i.e. not having overdraft fees, being able to use the $10 overdraft money when my account is deposited, getting my money 2 days early with direct deposit, being notified via text when money goes in or comes out of my account, fast notification when a purchase is made, friendly & knowledgeable customer service staff, the monthly statements.

I have been with NetSpend for 16 years. And NetSpend has never let me down. I have never had a problem. My deposit is always there on time. What I like about NetSpend is the text messages that I get every time my card has been used and if I have to call they have a very policy they make sure that you are you. NetSpend has help me for the last 16 years. Keeping my family and my information safe.

It was easy to get started with NetSpend. With it, I can look at everything on my phone as it give me alerts when I get something in my account. It gives me my VA disability early too. I like that in a couple of days, I can get a heads up on it. Mostly all my checks get direct deposited there. One time, I went to a bad ATM and it took the money out. I talked to an agent and they got everything so that I could get the money back in a couple of days. Overall, it's been good to me that's why I've been with them for so many years.

I chose NetSpend over ten years ago. There wasn't any other prepaid debit card provider when I did it. I got five other people signed up with them because it's good for getting our money and easy to use. They've also got the website where I can do all kinds of stuff - I go there all the time. However, I don't like their customer service because to get to them, you have to go through all kinds of stuff. It's really bad that I thought about changing because of it.

Great bank. Savings account is really awesome.

My experience with NetSpend has been fantastic. Initially, I didn't have an account and it was convenient where I was living so I decided to try it. I've been using them since 2007. They've always been cordial and they texted constantly with me. 95% of the time, their reps have always been very accommodating. In fact, I never left without feeling that they've given their best to find out all the information that I asked.

Nothing but positive experience with NetSpend. Customer Service is always friendly and resolve my problems quickly. Overdraft protection is a great option. NetSpend is an overall great card and I've had a few. This one's the best.

I was going through a divorce and my children and I needed to have access to our money fast and in a different way rather than the bank. My kids and I also wanted to separate their money so their father wouldn't find out about it. NetSpend was able to help us with that and we were able to do transfers. I also get my money two days before I got paid. So I have the majority of my money going into that program. I use both reload locations and direct deposit options, and it's a lot easier than a bank. It depends on the situation but mostly I use direct deposit. Reload locations were more prevalent before and there was this fantastic opportunity to reload money at a SuperAmerica gas station where one time they would give points. So I would reload money onto my card and my kid's card and I would get points for gas. But now I cannot do that.

I am 17 years old and am trying to buy things for college next year, most off of Amazon. I went to find an Amazon gift card and they don't sell them at the Walmart I go to. I then bought a Visa prepaid card. No problem there. Then I went home placed the order online. I went the next morning to check the order and it says my payment method was not accepted. I was then on the phone with NetSpend for two hours. I was actually hung up on by the automated phone... Really? I am still trying to set everything up. I am never buying a NetSpend card (And I realize that I need someone on the card with me, that was partly the reason I was on the phone for 2 hours).

I called a couple of prepaid debit card providers first and NetSpend is the only one where if you pay the $5 a month, you can use your card as much as you want. I liked that because I didn't want to spend $1 every time I did a credit or 50 cents every time I did a debit. So I gave it a try and I've been pretty satisfied with it. I love the mobile check load. My tax return goes right on there so that's lovely.

Quite happy with service since I got the card some years ago. Customer Service is always friendly and helpful. Never had a problem that they could not solve within a few minutes.

Overall customer service is extremely poor.

I love my NetSpend card. I have my check deposited on it, and I get paid two days faster than everyone else that doesn't have one of these cards. I love my card, very happy with it and the customer service representatives are very helpful with any issues.

When I applied for the NetSpend card online the web form stated clearly that there would be no credit check, however when I attempted to activate it online I had to call a phone number, answer a bunch of questions related to my name and address and could still not get the card activated. At this point I realized that because I have no credit history NetSpend could not verify my address through the credit reporting agencies, so they do, in fact, do a credit check, regardless of whether or not it is a factor in approving a particular account.

I found out that I could get my disability check direct deposit within two to three days earlier from NetSpend than the bank normally lets us have it. I liked the convenience. I've been with NetSpend for almost two years and I love it. They keep me updated on text and it keeps me apprised of my balance when something has cleared my account. My card wouldn't clear at a store once, and we came to find out that someone had tried to make an unauthorized EVT or ACH off my card. So luckily I had a second NetSpend card and we switched it over and I was able to make my purchase. They took care of it and within 10 minutes, I was off the phone and back to the checkout lane and off with my purchase. I also tried doing the new thing where I could take the picture of the check and get it put into my account. I'm highly happy and satisfied with NetSpend and I have recommended them to several people and my family and friends.

So far, so good! My card had been accepted everywhere. It's easy to load and the thing I LOVE the most is that as soon as ANY activity is on my card, I get a text immediately, telling my remaining balance and where my last purchase was made! That is my favorite feature!!!

After the nightmare with Green Dot, NetSpend was easy to activate. Actually got to talk to a real person. A click on the website shows a place close by to load for just 2 dollars.

I got tired of banks, fees and overdrafts so I contacted NetSpend. They make it easy for me to check my account to see what's posted and pending, and spend what's in the card. Most of the time, I have good interactions with their reps but I've had a bad one when I kept on getting the same person over and over again and being left on hold when I asked to speak to a manager or a supervisor. He hung up a couple of times so I emailed the company and it took two days for them to respond. Also, when I sign into my account, it doesn't tell me where to go to get points when I'm spending.

I use my NetSpend card for online shopping only and with one exception, I am very happy with the ease of use and the way my orders are processed. I did however, encounter a purchase that I had not made and am still waiting for a reply/refund. Apparently, I was to have mailed them some sort of paperwork. I did not understand that request due to my inability hear/understand the service representative. Other than that, the service has been excellent.

NetSpend has been a good experience for myself. Everything they have committed to, they have kept their word. I am pleased with this debit card, and would not replace it with another. Thank You.

I've been a customer over 7 years and service has be more than meet my expectations. The only time which got a bit upset is when someone used my card (not authorized) and the amount in pending was there for over 16 days. Otherwise, you all have been great.