Netspend Reviews

Purchased card to make an online transaction. Gave personal information except email address and they finalized my card with a limitation which means I could not make online purchases nor take money out of an atm. THAT'S WHY I FREAKIN PURCHASED THE CARD. They could not reverse the limitation and only offered a refund to mailed to me 20 days later. Also tried to make an in-store purchase and was still declined. I am too frustrated and want to call them everything but a child of God. This is a terrible company and I am going to post a bad review on all social media sites and with the BBB.

I'm having the process of paying back my regular bank account in order to get rid of NetSpend. I find them to be very fraudulent and manipulative. I did employee and social security benefits using them. It’s very easy to spend money with NetSpend. However, it's just that when they process the transaction, they’d probably be able to change debits and credits onto their system. I honestly believe that I’ve lost a lot of money with them.

I decided to sign up with NetSpend because of its link with PayPal. I know that I would be backed with fraudulent transactions so I'd rather go with the brand versus random prepaid cards. I like knowing what my balance is, the transactions that go out and gets completed, and waiting for a bank to post stuff to my account. Using the card allows me to balance my life better because I'm not overspending and I'm spending exactly what I have in the account. It's also very convenient to pay bills or purchase online.

I've lived with NetSpend for years, been using it for direct deposit, and it's very easy and convenient for me. I recommend them to everybody all the time. It's a card I use instead of banking. I get my money before time and I love that. I also love the fact that they send me text messages so I could keep track of how much money I got and don't go over. They're terrific and if something goes wrong, they always fix it right away. I also pay my bills online with it although I'm not big on online purchases. I don't plan on switching to any other company.

A friend told me about NetSpend and I got in touch with them because they give me my check two days earlier. I can better meet my due dates with that extra two days. I also don't have to carry cash and I can even make purchases and pay bills online since having the card. It's very convenient. Moreover, signing up was very easy and speaking with their team has been decent. I've recommended them all the time.

NetSpend allows me to check up on my bank balance. I get my check cleared a lot sooner than most. However, it always felt like a double-edged blade as I feel like I'm getting charged for every little thing that I do. Nonetheless, their direct deposit is a lot easier. Overall, my experience was better than I thought.

I signed up for direct deposit and after the second time of my money being posted. Someone stole my information and made 2 purchases totally $545.00... The company will not replace the money. They tell me I have to wait up to 90 days. The customer service dept is no help. They only hang up on me and when I ask for the dispute dept they gave me a fake number 18553069960. Alex, Alexandria and Armada at Austin TX office were very unprofessional.

I got NetSpend because a girl friend of mine had talked about them quite a bit, how she enjoyed getting her money early and how she had used them for a tax return at one time, and then put her paycheck on the NetSpend card. Now that I'm with them, I enjoy getting my money early too. I also enjoy that I have a direct deposit and get my $5 monthly bill charged to it instead of having the no transaction fees, so for individual transactions I would get benefit. I've used my NetSpend card to pay bills. I call them and pay online with my card that way, so it's great for me.

My experience with NetSpend is great. I get my paycheck two days earlier. I use it for everything: bills, online purchases, hotels, car rentals. It's very convenient. I use direct deposit and every once in a while reload. The reload is easy and there is one right down the road. In addition, I've had good experience with their team. They have good service since the beginning. However, they don't have an option to get a hold of an operator.

I like the NetSpend card. It has given me financial stability and independence. Having the up-to-date on-demand balance and the updates are really helpful. It's very easy to pay bills online and the direct deposit option is very convenient.

I purchased a NetSpend card from Walmart on 01/08/2016. I tried to activate the card online but was told that the card could not be activated. I called the phone number that was given to find out why and was told that had to send in a copy of my social security card and birth certificate before I can access my funds that I just uploaded to the card to pay a bill that was due the next day. After going back and forth with the customer service rep I asked for my money back and was hit with I have to pay $4.95 for them to send me a check for money I just uploaded to the card. Never again!!

NetSpend offered low fees that's why I set an account with them because I had just moved and needed to get direct deposit right away. Some of the benefits of having it is paying bills online or over the phone, managing my money so I don't have to pay late fees, or budgeting my money so I know what bills need to be paid. I also shop on Amazon all day long with my NetSpend card. I love how they tell me how much money I got every time I spend money so I could keep up with their account. It's easier to manage my finances because if I don't have it, I don't use it so there's no way for me to go over my money. That's better because at least I know what I can and can't spend. I love that I don't have to walk into a bank when I needed help. Moreover, I have direct deposit that works for NetSpend. I've had it for at least five years already. Since the first, they have always had it set up and I've never had to change anything.

I've had NetSpend for years and had a good experience using it. It helps me get my paycheck a couple of days early, and because it's a prepaid account, I don't have to worry about paying overdraft fees. I have made bill payments and it's convenient, although I wish that the fees would be less.

With NetSpend, I get my check early. I don't have the hassle with the bank fees, and no overdraft. It's more convenient. I'm accepted all over the United States with it. Paying bills or making online purchases is not a hard process. I just give them a card number and they accept it right then and there. I may go into a place and add money onto it but other than that, I just use the direct deposit nine times out of ten.

I've been trying to get a card activated for 3 months. It's crazy they still haven't. I'm just giving up, they can have it.

I got tired waiting on the paper check to see if I got it deposited so I decided to get in contact with NetSpend. I've chosen them over a different prepaid card provider because they don't have all the extra expenses. I’ve been able to manage my finances better since using it because everything comes straight to my e-mail. I've been able to use my NetSpend card to pay bills and make online purchases. I also utilize the direct deposit, and it’s very easy for me because everything always goes to my card. Also, I receive my direct deposit a day earlier. The NetSpend team were knowledgeable, courteous, and friendly. It’s been a great experience and I love that they’ve added the new feature with the savings account to it.

I've had NetSpend around 2014 and had no problems with them. I'm in a shelter now because our house literally burnt down and it's hard to do my finances, so it helps a lot that I got direct deposit which is easy to do. I'd go down, put the thing in and they'd give me the paperwork in whatever I had to do. In 30 days, my money was going straight to the bank. That's the only problem I have with them and I know they do it for protection in case somebody gets your card.

I was given a reloadable debit card as a gift with $50.00 as the beginning balance. After an absurd amount of difficulty and excessive information required to activate the card, I made one purchase for $25.81 at which point the remaining balance dropped to $0.00. The customer service representative and his supervisor were both unwilling to do anything. The person that purchased the card as a gift spent $50.00 for me to enjoy a $25.81 benefit, and the miserable pieces of human debris running Netspend extracted $24.19 as what can best be described as a fraudulent business practice. Since the amount of money involved is not worth hiring an attorney to sue this organization, they win this round. I hope someone out there eventually has the time and resources to file a class action lawsuit to bring to light the practices of this disgusting organization. I find it revolting that HEB would have anything to do with this organization.

I decided to get in contact with NetSpend for the direct deposit from the treasury. It works well, it is secure and it is a very easy process. Also, I have been using my NetSpend card to pay bills and make online purchases. I’ve been able to manage my finances better since using my NetSpend card because I can easily see what I already spent and what the balance is.

I use to have a direct deposit account with NetSpend but after an unauthorized transfer of my hard-earned money and numerous failed attempts to resolve the problem all corporate had to say was it was my fault the transfer was made. I kept explaining I in no way made such an authorization. All in all I lost 4 thousand 9 hundred and fifty dollars. Since then I've learned never to trust any financial institution with my hard-earned money. Instead I've kept it in cold hard cash tucked away and out of the states. No not at a bank somewhere safer and away from the states. So for those who are considering in using NetSpend don't. Your money is not secure there. Go to your local bank and either put in a savings account or in a safe deposit box at the bank. It's not legal to have cash in a deposit box at the bank but by the same token it is not legal for the bank employees to go in the private room while you're going through your box. Just an idea.

I've been using two NetSpend card. I get direct deposit on one and then move my money to the other. I get earlier pay and it's very convenient. However, I used to be able to move my money from one card to the other on the internet, but the last time I tried to do it, it keeps saying that I can't do it anymore because my limit is up. It doesn't cost money because it's free when it's done on the Internet but that stopped about three months ago. Now I have to do it at an ACE check-cashing place and it costs me $12 to do it.

I called to activate what was packaged as a debit card and was shocked to be asked for my address, phone number and - wait for it... Social Security Number. Needless to say, I am not an idiot, so I didn't give them the info. When I reminded the rep that I was activating a GIFT CARD (deception), she said the info was mandatory. I naturally asked for her SSN and place of residence - fair's fair, after all. The agent, Rain, claimed everyone gives the info as requested. I asked what is NetSpend an affiliate of? That's privileged info, she claimed. I asked for a business address. Top Secret!

I have never been lied to and misguided more in my life. I had a paycheck of $1000 deposited into a NetSpend card on 12/7/15 and it is now 12/31/15 and I have yet to receive my money. I have spoke to over 10 reps and now a corporate rep and every one of them has told me something different. The corp rep just told me google my question and refused to answer me. I really don't know if they will ever release my money and am now thinking I have to get an attorney involved. This has caused me lots of problems financially and they have made it more than obvious that they don't care. Whatever you do, don't use a NetSpend card! They are crooks!

I've been with NetSpend for almost 10 years now. I've appreciated the quick/early deposits and this is the primary reason I've stayed with them so long. However, I just recently had an issue arise and their customer service was absolutely horrendous. I spent 1hr and 6 minutes on the phone with them and still ended the phone call with no resolution. They have my account locked because of issues on their end and I have to wait until their email to another department to unlock my account is processed within 24hrs to have access to all of my money.

At the time that that I signed up with NetSpend, I didn't know any other prepaid debit card providers. Additionally, I'm not a fan of Walmart and NetSpend was the one that I was looking at. I strictly do direct deposit with them. Also, since the company has the app available now, I could manipulate things a lot better and it's fairly easy to do that. The one thing that doesn't work real well is the text notification. It shows it's activated, but I don't get the text messages. It would be helpful if those came in, but it's not earth-shattering.

Since using my NetSpend card, I’ve been getting my SSD check early. And if I’m short a few dollars, I’m able to overdraw it into my next check. That’s a benefit. I use the direct deposit more often because the reloading option is too expensive. However, my recent experience with them wasn’t good because they put a stop to some money that was refunded to me through my insurance. And because it wasn’t the same amount that was swiped originally, they didn’t release it. So I went through all this extra paperwork to prove that my insurance put it there even when I explained that it came directly from my insurance. Despite this, though, I’m satisfied with NetSpend.

I tried several times to get an account set up, as required, for free online access. They charge for personal help in checking your card balance and expenditures, etc. After 2 days of trying to get the card activated and online access available, am still getting the runaround. Every person I spoke with spoke with broken English but said they were from Austin, TX. Not sure of the truth of that statement. No one seemed to understand letters and numbers in English with repeated attempts to clarify. Finally after two days card is activated but they want to charge me a $9.95 a month fee for use of the card. Still no internet access. Get the round robin effect when trying to do that and am so frustrated at this point, considering giving my husband the card back for the hassle it caused.

My father keeps a NetSpend card. Sometimes he uses their reload locations, and he’s happy with the experience.

I like NetSpend. I've been with them for quite a while and they do what they say. My money is deposited regularly and they've got great customer service.

Where does a person start? Oh yeah the video that they have on ConsumerAffairs. You guys are kidding with that video, right? Every person that was in that video represents none of the people I talked to at NetSpend, not one! The people that I talked had that Middle Eastern accent going on, like most customer service operations do in this day and age. A person cannot comprehend what they are saying without saying, "huh" at least once after each sentence, sometimes twice! Everybody in that video that is shown on Consumer Affairs speaks perfect English.

I've been trying to work on the process of changing my direct deposit from the day NetSpend let people take money from me. They keep saying that I owe them, but they don't know who the merchant is. I paid the money up in their store when they called me for being late. I haven't heard from them since. They moved and lost the information probably because they were sloppy. The girl that worked there told me that they lost a lot of documents there. People that she knows paid, NetSpend is telling them that they didn't pay. But, I can show them the bank statement that they owe the $1300 that they took from me. I've called them and told me to take it as a loss then hung up on my face. I can't stand NetSpend right now and I don't want a debit card with them.

They told me I would receive my card in 5 to 7 days and I haven't. I can't get my money transferred to my other card. I talk to an agent. She says I'll receive it December 30. So wham, there goes my children Christmas. Thanks.

I've been a NetSpend card holder for a few years and I like the convenience plus the low fee. It was very easy to set up the direct deposit option which I use the most. The early payday deposit feature is a big benefit. Also, you can't overdraft on it because it tells you when you do so.

Having NetSpend is great, especially with the direct deposit option as everyone does it now and I don't have to carry cash around. Also, the overdraft has helped me so I don't have to worry about spending too much. This is like a regular credit card that can be used anywhere. I'm doing my shopping with it online and in stores so it's been a blessing.

A friend of mine had NetSpend and told me about it. I have been using it since then. I like how I’m able to take direct deposit two days earlier. It works out well. Also, I’m able to to use my card every time I need to use it.

NetSpend is really good stuff. They were affiliated with Ace Check check-cashing place where I always check my placement checks and I put it automatically. In general, I’m pretty satisfied.

If I could give them a negative star rating, I would. This card was purchased for me as a gift card. I was told I needed to SEND IN proof of citizenship and SSN. Outrageous! You don't even need to do that for a mortgage or car loan! None of this information is advertised on the packaging so you know before you buy it. I told them cancel the card and send a refund for the preloaded balance. They tell me they can't since I already tried to activate the card. Shady, thieving business. Don't give them your money!

It's convenient having NetSpend because I have access to my money early, but I'm dissatisfied with their customer service. I had an experience last year where I had submitted a dispute on a merchandise that I never received and they did not overturn my dispute. They said they cannot credit my money back.

When I found out that NetSpend would pay me earlier, I signed up. It's a lot easier than getting money orders. I was the old guy that got money orders and took it to the water, the gas and the electric companies and my whole afternoon is shot because I'm running around doing errands like that when I can do it in 5 to 10 minutes on the computer. I used to be afraid to do things online because of all the hacking, but once I got over that, it's much more convenient. It is also secure and I haven't had anything happen. One of the only times I had to call in was when I was trying to reset my password online and I cannot because I entered my birthdate incorrectly. I asked their reps to see why it wouldn't let me, and once they verified my birthdate was off by a digit, they corrected it. They were really nice.

This place is the WORST!!! They regulate every transaction, they hold/freeze your card all the time for no good reason... You always have to hassle on the phone to get it fixed. They over charge when you buy gas! After closing account they refuse to give copies of card reports. Totally illegal scammers!!! DO NOT USE NetSpend!!!

I've been with NetSpend for years now and have recommended them to friends. It's like any other debit card except that I get the direct deposit two days early. One time, I used the card and somebody copied the numbers or did something to it. I had a whole bunch of stuff on my account that I didn't pay for. So I called NetSpend and they said that all of these accounts are pending and they can’t do anything until they take the money. I thought that they would freeze it or not let them in. They let whoever it was into the account take everything, and then went after them. They took care of everything. It was upsetting but that was years ago. And after that, I've become more careful as to when and where I spend my card.

NetSpend has been okay. I've been with NetSpend for quite a few years and the only gripe I have is the limitation they impose when I exceed $3000. I have a few family members that use NetSpend cards because I transfer money to them when they need it. I have nothing negative about NetSpend and would recommend them.

I chose NetSpend because of the recommendation by my friend in Texas since he can get paid up to two days earlier than what would be with any other prepaid debit card when it comes to direct deposit. And that looked real well to me because I’m always looking for a way with my money to be spread out and make sure I spread it out enough to where I still have money left over when the next money comes in. And I’ve had no problems with NetSpend except for a couple of times where they’ve made mistakes like this last month when I ended up making an ‘add money’ to my card, they put at a purchase, and then I had to be on hold for about an hour while they were trying to fix it up. Now other than the fact that I can do the $10 over, I have benefits of early payment and cheap membership fees.

My experience with NetSpend has been satisfactory until Dec.12. My debit card was used in Jamaica Queens and I live in Suffolk County. Your security system needs a lot work. My girlfriend got charges and withdrawn from various places three weeks prior also. In all, my debit was hacked for $400+. WORK ON YOUR SECURITY. I understand things need to be investigated but I have to wait 10 days for some form of resolution. I am cancelling and recommending people don't use this prepaid card.

I heard about NetSpend through a friend. I chose them out of convenience, and I like that I get paid before the pay date. I use the direct deposit, and the process to set it up was easy. Also, I have called in one time about my PIN and the experience was good.

I purchased the card on 10/31/15. I tried to activate the card on "Cyber Monday". It was supposedly real simple. After some input and a brief hold, I was prompted to enter the last 4 of my social. The card was frozen, and I was asked to call another number. Then called and they were closed. Day 2 I called, and after a lengthy hold, I was asked to verbally confirm some BS, then asked to email photos of my driver's license and social security #. Absolutely not gonna do it!

NetSpend has a two-day advance pay so I joined with them. Since using the card, I've been able to budget a little better for things that may be due a couple of days before, make sure I had got money before a payday and different things of that nature. Their process set-up is convenient. I've even done a check. I would recommend them to others. People that I encounter that don't have the card usually end up getting it.

I filed a dispute back on 11/03/15 for I went to withdraw money from an atm us bank in the amount $203.00 including the $3.00 fee. The atm never dispersed any funds since I am not a member of us bank. I needed to file the claim with netspend. The manager of the atm verified I never received any funds and provided me his card info to help with my dispute. After 10 days netspend released the $203 in my acct and on 12/09/15 they reversed the amount saying after the investigation contacting the people of the atm showing the money dispersed when it never dispersed to me. Netspend did not contact the manager to verify anything which I have been on contact with since this issue. He verified he was surprised he has not been contacted. Only the atm contractor which is poor investigation on netspend part. I clearly stated in the dispute the atm showed the money dispersed when nothing dispersed at all the door closed.

I chose NetSpend because they had a flat monthly fee and I only pay $5 a month. It helps me keep track where I'm spending my money so it's easy for bookkeeping. I don't get out a lot so I can pay or order online. I send it through my PayPal account. My NetSpend is through my PayPal account, so it works easily for me. I use Direct deposit and I recently did the check load which is pretty cool too. Since I get checks a couple of times, it's charging the same amount of money as going to the bank to cash it or withdraw. I have recommended it to a friend.

NetSpend is helpful because I don't have to worry about banks. I use the direct deposit option as they closed all the reload locations near me and it was easy setting it up. I contacted the NetSpend reps a couple of times and they were very polite and always answered my questions.

I’d recommend NetSpend. I decided to use them over another prepaid debit card provider because of Western Union. One of the benefits I have experienced since using the card is the overdraft option. I was at the store, and was broke, and when I brought out my NetSpend card and swiped it, it was accepted. I was surprised, so I called them to find out why it was accepted and they told me about being able to go over $10.

I am very displeased with the fact that my account has been put on hold 3 times! Not 1, not 2 but 3! I'm not sure if it is an automatic process or what but it's getting annoying. They claim they put my account on hold due to "refunds." Any online business is going to have refunds...That should not be a factor in putting someone's account on hold. And it wasn't even a refund from a customer it was a refund from a merchant I was dealing with. We had to cancel 39 orders due to an error. I also just verified my account with Paypal and the money PayPal deposits in your account for verification apparently also counts as a "refund." What kind of madness is this?

I needed a place to get my transactions done and I went with NetSpend. I use the direct deposit option and it's easy setting this up. My only gripe is that I wish the overdraft was higher than $15, but other than that, it's been good.

Tried to put money back on my card they were holding for three days. They asked and received verification from merchant to release my funds. Some of the agents lied about receiving and finally one agent said documents were in my file. The next excuse was they had to review my document. My point is what is there to review when the merchant is asking them to refund my money because of a company error. Please think twice before dealing with these people unless you like giving away money. Can't wait to see what other excuse they will have on Monday. Please don't do business with these people, scammers!!!

I used NetSpend for my payroll for a while, but then the numbers got jumbled up. So I called them but they didn’t want to fix it. I talked to five different people, and everybody gave me a different story and said "We'll fix this right away", but nothing happened. It wasn't very good so I quit using it. I couldn't rectify my situation, but they knew what happened. They talked to me on the phone, and it just didn't matter.

Received email and texts concerning pending deposit. Responded to email and phone calls, emailed documents requested, waited the specified time to resolve delayed deposit and still no satisfaction! Each time I called, I was told something different. I have been a loyal faithful customer for 14 years and have never experienced and lied to like this before. When this mess is straightened out, I'm closing out everything with Netspend associated. No one should ever have to go through all of this bs for their own money!!! If you ask for a supervisor, there's never one available to speak with, what kind of mess is that?

I haven't had any problems with NetSpend. I have had the card for about 6 months and it's really easy to use. I use it in addition to my bank account to help save and manage more money. I don't have all the extra fees everyone talks about because I use direct deposit. They take a $5 monthly fee and that way I don't get charged $1 here & $2 there for all my purchases. I get text alerts so I'm always aware of my balance. There's also a mobile app that lets you load a check to your card. And you really do get paid 2 days faster!

The NetSpend card is easy to use. I have used it for some online purchases and have utilized reload locations. The hardest part is getting somebody who speaks English. I asked one lady once and she said, “Oh we’re not even in the United States. I’m in India.” But that's the only problem I've ever had with them.

When my card stopped working, I contacted Netspend and they sent me a new card. Their reps were friendly and that's important. Setting up the direct deposit was easy. Now I’m not having to run halfway across town to cash my pay check. It makes a huge difference because I don’t drive. I'm thrilled with Netspend.

It's been seven years since I contacted NetSpend. I use the debit card a lot and put all my direct deposit there. Also I reload it, too. With NetSpend, I know where my money's going or if I'm going to overspend or if I have enough in there to buy something. And I use the alerts a lot. They also have overdraft protection, which is great. My daughter has a card when she was working, and she told all the nurses about it. They all went and got NetSpend cards, so they like them, too. I like the convenience of it. And anytime that I've had a problem, it's always been taken care of in a decent amount of time. They're very courteous and I like using that card.

So I have been with NetSpend for about 2 years now. I use them for all my purchases, and bill pay. I've never had any issues what so ever or complaints, till now. I called customer service today to ask some questions regarding my direct deposit. Not being rude but I could not understand the representative what so ever, so I asked to speak with a supervisor. I was on hold for 55 mins to finally reach a "supervisor", that I couldn't understand either. I asked her if there was a corporate number that I could have to place a complaint, and she said no that I have to email NetSpend.

With NetSpend, I can pay my bills online, don't get charged by signing my name because I had a plan and can take so much out. I utilize the direct deposit for my daughter's government checks. The only time I had an interaction with the NetSpend reps was when I reported a card stolen and they were very friendly. I recommend NetSpend to anybody that are having problems with their banks and overdraft fees and tell them to get one because you could always spend what's on there and you don't have to worry. I love it and tell everybody about it.

I have had too many bad experiences with this company and it's always the run around or a foreigner. I have a charges made to my account on numerous occasions from other states, delayed direct deposits and no resolutions. I'm currently waiting on a call back. This company needs to be shut down. It's just too many mishaps. I wouldn't recommend this prepaid card to anyone.

The process needed to activate a new card is very lengthy and requires a lot of personal information to be provided. Granted, this is typical for a debit card, it prohibits users who simply want the card for a one-time use from being able to use this service. When I called, the issue was resolved but I was still unable to use the card for what I had originally purchased it for, which was to make an online transaction.

I moved to Florida, 1300 miles from home, and my mom wanted to be able to help me if I needed in a quick and easy way so I got NetSpend. It has no overdraft fees. It has worked out well. I have brothers, sisters, nieces and nephews that if I find out, then I'm able to help them when I need to. I use the direct deposit option more frequently. If I travel a lot from work or I'm short on cash, it's easy for my boyfriend or my mother to go to a location and load money onto my card. Right now, I'm going to go towards a regular bank account because a lot of the things that were good are no longer there, like you could go $10 over. They just took them away with no notice. Then some people qualify for overdraft protection, some don't. It's inconsistent. It's gotten worse than it used to be in the last year.

I've been with NetSpend for more than ten years now. I use the direct deposit and it's very easy to find a reload location, such as any Wal-Mart. They also have very good customer service. I've had a couple of discrepancies and they've cleared it up for me. I always recommend them for anybody that's doing the direct deposit.

With NetSpend, I didn't have to carry cash and every time I made a purchase, I received details directly on my phone. The message included the name of the store, the purchaser, and the transaction details. But then they authorized someone to use my card. They reversed the charges and put it back and expect me to pay for charges I didn't do. I've been asking for documentation for the fraud transaction but I never received anything. it's been months now. So I don't make any deals with NetSpend anymore.

Victoria contacted me and I was able to explain the situation and vent some. She took note of everything then contacted the dispute team who then reconsidered everything. I had documentation from the merchant then I received a phone call again from Victoria and she said they found in my favor.

My accountant uses NetSpend and she recommended it to me and it's been easy to use though I wish the charges were not so high. Other than that, I like being able to pay my bills through it without having to write a check and being able to use it anywhere to purchase anything. I also use the reloads in my neighborhood. I have no problems with it.

I was with NetSpend since 2007. I had received a check for selling my tv. I deposited into my NetSpend account not knowing I had received a fake check. Well because of this NetSpend closed my account on Oct 16, 2015. On Oct 26, 2015 my check was still deposited into the account after the fact I was told they closed it. I called back the following day requesting my money. I was told they was going to send me a refund check and that I would receive it in 20 business days. I verified everything with them cause also I had just moved and was told that everything was correct.

My son was a member of NetSpend and at that time, he was getting the money early and he was pleased with it, that's why I chose NetSpend. The benefits, I used to get money early, but now it’s not as early as it used to be. It has the benefit of having a debit card, where I can pay my bills over the phone. I also do direct deposit. I have my US treasury, and my social security has been deposited in NetSpend since I’ve been their member. I haven’t had any real problems with them, except it wasn’t NetSpend, my text alert had stopped working for some reason in 10/29. When I called and tried to see what’s going on, the representative was saying that my phone number wasn’t associated with that account and I told them that my phone number has always been my number. But it seemed that issue got straightened out.

To make a long story short NetSpend is holding my wages over a 94.00 overdraft, and even though I agreed to pay the overdraft, they keep giving me the run around. We emailed the dept over and over. THAT'S MY MONEY I WORKED HARD FOR!!! I got paid Wednesday, it's now Saturday and still no response. I have been with Netspend since 2009 and never had any problems, but this right here makes me not wanna deal with them again. What happen to showing appreciation to loyal customers?

I went to Walmart to buy gift cards for senior gifts. I did not realize these NetSpend Cards were not gift cards until I got home and saw it said that above the card. These cards were in the same section as gift cards. I am trying to return the 4 cards I bought, but NetSpend has it set up to where you can't talk to someone unless you activate a card. I am a college student and can not afford to waste my money on activating the cards just to use my own money or to get a return. I am really frustrated with the fact that it is so card to return these cards.

I've been with NetSpend for a long time. I like that I don't have to carry cash around and I also like the direct deposit. I use my NetSpend card to pay bills and make online purchases. I also like that every time I use the card, I get text messages automatically and I know how much is in there. It's very convenient but I don't like the charges. I get charged every time I use it to buy or whenever I use the ATM. I don't like it that money gets drawn out of my account without my knowledge. But every time I make a call for any type of complaint, I get the help that I need, and I love that about them. I would recommend them to a friend.

My NetSpend experience has been fine. Never been anything bad. There was once when somebody somehow was using my number to buy junk in California and they took care of it and refunded everything. So it's been great.

I love my NetSpend prepaid card. I don't have to worry about an overdraft fee like with a checking account. I don't like carrying cash on me and I can easily go online if I need to pay a bill. I don't have to go in store. I also use the direct deposit frequently. The process is easy and it's always there when they say it's going to be there. The NetSpend team was knowledgeable, courteous and able to answer all of your questions. Excellent service and customer service is good every time I call. They're friendly and they help me to the best of their ability, so I'm very satisfied.

NetSpend is the same as using a bank card, except I can’t make a deposit. All I can do is add money and taking them out. Its only benefit is not carrying cash and I get my pay two days faster. Right now it has been inconvenient to do the online purchase. I don't want to order anything online again. I had an issue with my money where I paid for a rental car and I didn’t pay it all the way, but they took payment about three times. The NetSpend people were also confused.

NetSpend is a great program for me - I have been able to manage my finances better. Also, I do not have to carry cash and use it to pay my bills and when purchasing online - it's very convenient. They have also prompt pays with my direct deposit. If I have any problems, their customer services are professionally courteous and have been able to work with me on anything. They get right on it and that’s what I like.

With NetSpend I get paid two days before and I get a live person to tell me all about my account. One time, I had to call in because someone drafted some money out. They got right on it, told me who it was, gave me the phone number, and stopped the draft. When I couldn't reach the phone number to know who the person was, I gave them permission to do it and they helped me out with that real good. With my NetSpend card, I do not spend too much and I know my limit. I frequently use it for direct deposit and it's very easy. It's also convenient paying my bills online. NetSpend is wonderful.

Can't use Netspend card like other Visa card companies. If you fail to create an account with Netspend Online they will not let you use your card and keep your money. I have purchased over dozens of prepaid card that will allow you to use your card even if you don't provide personal information. Failure to provide personal information with other cards only disqualifies you from getting a personal card. NETSPEND WILL KEEP YOUR MONEY!!!

NetSpend has been great. I like it, it works very good for me and they pay me early. It works like a checking account even though it's just a NetSpend card. I'm able to get online, look at my accounts, get transaction alerts every single time I spend my money. The team at NetSpend is okay even though sometimes the wait is a little bit longer than expected but I haven't had to call them a lot.

I got paid the first time on this card on October 29th. I called because there was a amount I did not recognize. I asked the rep the name of the merchant and due to the poor understanding of the English language she canceled my card. I was then placed on hold 3 times for over 1 hour and 45 minutes then given the runaround. The only way to get my money was to go to Ace, buy a elite card then I finally got someone that moved the money - a supervisor, who assured me that I would not have any issue on my next payday!

My netspend account ending with the last 4 digits of ** is currently locked due to a "credit return" of $2,511.88 from the merchant of circle financial on November 3rd, 2015. My account was red flagged due to possible fraud activity and I was asked by netspend to have the merchant reverse the transaction. When I contacted circle financial they stated that there was no way they could do that on their end and instead offered an indemnity letter in order for them to send it to netspend. Circle is a company based in boston that allows you to buy and sell bitcoin through ACH or debit card.

I know a lot of people who have used NetSpend before and had good success with it so I chose them over other providers. There's no overdraft and it helps me manage my money because I don't have to take my money from the ATM. So it helps me budget my money better. I like that I'm able to use my NetSpend card to pay bills or make online purchases and it works. The team from NetSpend who interacted me was okay though they don't speak English very well. The automated system is horrible to try to get a hold of somebody. But overall, my experience with NetSpend has been good.

NetSpend will not release my direct deposit from my job. I have sent in my documents as they asked. I have talked to several foreigners and they don't know what the hell they are doing. I have sent emails and still no money. My next step is to go talk to a lawyer. Never ever get NetSpend. They hire nothing but foreigners and when you ask to speak to an American they keep you on hold for over 30 min.

I'm a satisfied NetSpend customer. There are other things that they have going on with them like the rewards program, but I don't get into all of that - my thing with them is basic. I can set up automatic payments with people and use my checking account - everything comes out like clockwork. If I run into any problems, I'll call the customer service and they would address it and it will actually be resolved in a timely fashion. In addition, I know when I'm working, I get my direct deposit through them. Everyone else gets paid two days after I do. I would definitely recommend it to people.

I work at the Dollar Store and they have NetSpend, so I picked it up and I used it to pay bills and make online purchases. Though, I'm not happy with it because the representatives that I called messed my card up. They tried to be friendly, but they didn't solve my problem. When it was all said and done, they deleted my account and they added it onto my husband. As of this point in time, I'm very dissatisfied with it.

Having a NetSpend card makes it so much easier to transfer money wherever I need it to go and I can pay for things online. I don't have a bank account so it's much more convenient. I don't have to go to pay my electric bill. I just call them and pay it, then reload it through direct deposit.

I been with NetSpend for almost a year and had no problems till I had one then contacted customer service. No one speaks proper English and they didn't help with anything. I lost $250. And they keep telling me to wait. It's been 4 months. Learn from me and get a real bank with a debit card. Don't waste your time on a ** card that's ** you over.

I've been using NetSpend for more than eight years and they've been wonderful. I was in a cashier where I buy those prepaid cards and that's when I first got into their company. I always make my payment online with that card (it's the best way to do it) and Netspend helped me through to manage and see my balance and everything for my account, so that's one thing that I like. People from the company are nice too. I recommended the card to my family and they use it.

My mom got her NetSpend and she started telling me about it. I asked her what was the difference and she said they got better stuff in what she dealt with in the past. So I tried it out and stuck with them. I like that they text and let me know how much I spend and all that extra spare so I can keep track of my balance. I'm also able to use it to pay bills and make online purchases which is very convenient because I don't have a car to go to a lot of places. I also do direct deposit which is easy for me because I don't have to take cash in and I don't have to spend extra money or cashing a check when it just comes on my card. I love their staff because they helped me out one time get my money back. Their customer service is excellent. They get me right where I need to be without having to wait 15 years on the phone. I'll recommend everybody to NetSpend.

I needed a debit card and NetSpend seem like a good company to go with so I decided to get in contact with them. I have a direct deposit with them and I get my money often. And, I really don't have to worry about carrying cash around and if I need cash I can go to one of the gas station in town or at the Wal-Mart. I also use the NetSpend card to pay bills and online purchases, and the process is pretty convenient.

I've been able to keep track of things that I've purchased and if there's a problem with it, I've been able to get that taken care of. Somebody has stolen my credit card six months ago and they took care of that too. So far, they've been great with me. I'm sure there may be better places to be, but I've been with them for 27 years, I'm like a fixture.

I've been very disappointed with the service from NetSpend mainly because they did not help me after an auto mechanic scammed me out of my money. I went to get my car fixed, but the mechanic did not fix it and said that they were sorry and was going to refund me as soon as possible -- they never did. NetSpend is supposed to protect me with the bank and the Visa, but they did not help me with this. They also said that I can rent a car with the card, but when I tried to rent one, I was embarrassed at Budget Car Rental because my card wasn’t working. I've been very, very frustrated since the incident, so I haven’t been using the card much for anything other than the direct deposit from my job. I get paid one day before everyone else does, and that's the only good benefit I see. Otherwise, I'm very dissatisfied and I'm considering moving my money somewhere else.

NetSpend was the first prepaid debit card provider I came across online. They send me the form, I filled it out and I had them ever since. I like my overdraft and I use the card when I go to the store. I also love their direct deposit, I don't have any problems with it. Overall, I love their service and their customer service is fine.

I have used my NetSpend card to pay bills and make online purchases, and it's pretty convenient. I also use the direct deposit option. I am satisfied with NetSpend. It started out great, but now, it's just so-so. The team was knowledgeable, friendly and able to answer all of my questions. The only incident I have ever had was when I was attempting to use an ATM which was owned by MetaBank, and the ATM said that it disbursed money, but it didn't. I swiped the card, and nothing came out so I swiped a couple more times and all the time, it was withdrawing money on my account, but it wasn't dispensing any. The store owner said that there's nothing he could do because he wasn't responsible for the ATM. I got my money back but it took longer than it should. I could not understand why it would take that long when the ATM was owned by MetaBank and I'm banking with them through NetSpend.

It's very easy to use my NetSpend card. It's easy to manage. I go online, find the balance, pay what I want to pay and go on from there. I often make online purchases. I like NetSpend a lot. They've gotten everything right whenever I've had any problems. They've corrected it instantly and so it's all been fun. It's very convenient to use it to pay bills. I utilize both NetSpend's reload locations and the direct deposit option. They're both pretty easy processes. The only time I've really had any dealings with them is when I left my card one time in the ATM and I had to replace it. I didn't realize until the next day and the machine already destroys it so I called and they replaced it very quickly. Everything's been just as I thought it would be. They seem to be excellent at what they do.

I was looking for something different so I googled prepaid cards and found NetSpend. I read reviews about them too. At that time, Bank of America was charging me for everything. So I decided to join NetSpend and I've been with them since 2012. I even have two cards with them. I use direct deposit with it more frequently than its reload locations. I'm a self-employed, independent contractor and I do have a couple of clients who pay me cash so I do reload at my local 7-Eleven, but I'd say that 80% is direct deposit.

It has been a great experience with NetSpend, and I am happy with them. I have chosen them over a different prepaid debit card provider because of more access as well as monitoring, and the fee was cheaper. I have experienced benefits such as not having to carry cash which is good, security, and the savings account. I have used NetSpend to pay my bills and make online purchases, and it's convenient. I like the online feature where it shows where your money is going or what you spent it on. I also use the direct deposit option, and I know how easy it is to transfer funds to a friend or a relative that's on NetSpend, or to the Western Union if you had a kid at school.

I have had my NetSpend card for about 6 months and have been very happy. However just last Saturday, Oct 24, 2015, as I'm sitting on my couch in CA I start get text alerts that my card is being used in OH at Sam's Club and Walmart. I immediately called NetSpend to suspend the card, which they did. The charges came to a total of $666.18 and I was informed that I had to wait until the merchants settled and the funds actually came out of my account to file a written dispute. Over the course of 2 days, I made no less than 20 phone calls to NetSpend with most of these calls resulting in poor customer service and people that I could not even understand. Now I have to wait for them to get the funds back into my account. I have a MasterCard credit card that has been compromised before and they have ALWAYS reimbursed funds back to my card immediately.

With NetSpend, I get my checks a couple days earlier, which I like because that comes in handy. I also pay bills and make online purchases every now and then through it. I love the card as well as the benefits that I get from it. I have no complaints against them. Overall, I'm pleased with it and I don't want to change it.

I wouldn't say that I'm able to manage my finances better with NetSpend, but it's nice getting it a few days early instead of waiting till the 1st. I have a direct deposit with NetSpend and I use the card to pay my phone bills. And when there was a hold on my account from other person's bank, the NetSpend team was able to lift the hold faster than any other bank did. And, my boyfriend and I loves the overdraft thing because sometimes we don't quite have enough to cover but NetSpend help cover it even though there's a small fee. It definitely helps because a regular bank charges anywhere from 35 to 50 per non-sufficient transaction and I was only charged with $15 with NetSpend. Overall, the experience with them was really good.

When I have banking issues, I don't want to deal with someone who can barely speak or understand the English language. Please stop forwarding/outsourcing your customer services to India or other overseas locations, it's frustrating!

I've had NetSpend for a long time and have been using it to pay bills like a regular card. I like the overdraft protection and the deposit timing. I'm able to use both reload locations and direct deposit to add money. Their people are fairly decent and my experience with them is all good.

I like NetSpend because of its direct deposit two days before payday. I still spend all my money but at least I can see where I spend it now. I used to have the overdraft and that was pretty cool, but they took it away from me. They said I can't have it because I use it too much, but that’s what the overdraft is for. So they took it away from me for a few months and they will give it back, but if I use it again, then they're gonna take it away permanently. I think that it sucks because what's the purpose of having it? As long as I pay it, I have direct deposit, and if I do go negative, I always pay it with my direct deposit. That's my only complaint and I had a debate about it on the phone with NetSpend people.

I’m a long time customer of NetSpend, about ten years. I use my NetSpend card to make online purchases and pay my bills. I use direct deposit always and my bills get paid online. It makes it easier for me to save. Their customer service is excellent. The reps are very courteous, they listen and they usually do what you ask them to do, can't ask much more than that. They're a very good bank.

A major benefit with NetSpend is that I get my social security earlier. I use it for online purchases and it's been convenient but occasionally, they do not take prepaid cards. Another thing is when I order a new card, it takes longer to get it compared to other companies like AccountNow that would send through express delivery. Other than that, it's been good with NetSpend and their representatives.

NetSpend, for me, was convenient, just like any other debit card. But there are no benefits and I've been having hassles in the last three years. My card got hacked and it took forever for me to get my money back. Also, I have a hard time understanding them on the phone. A lot of the representatives don't speak English very well.

NetSpend originated with a different card, but I was having problems with it. The only difference is that NetSpend has the overdraft fee. They take the overdraft and don't tell you when they take it, then you don't have it. Since using the card, the cheque comes earlier. I use direct deposit and this is easy to do with the government cheques. I've recommended NetSpend to quite a few people.

NetSpend had a reputation of getting money sooner and I wanted to try it out. I noticed that I do get paid sooner. Also if I lose the debit card, I could always go to Speedway and pick up another one. There's just a lot of loopholes. I can use outside banks to send money or transfer money to my NetSpend but I can't do it the opposite way around but it's OK. I've been able to load my account easily. I also noticed that I really do like the tech messages that I get. The transaction has happened either automatically or if I use my debit card. I really like the reminders telling me what the balance is. It's very nice.

I really like NetSpend. Their service is excellent. Whenever I had a problem, they took care of it. As far as my records, everything was just as I made and nothing was taken out. It lets me know visibly what transactions I've done. It gives me alerts, it helps me know anything that happened is or whatever to my account. It would alert me and let me know and all the other icons or different plans that they have with it like the savings and stuff like that. But other than that, it kept my record adequately for me. Using it with direct deposit or reloading online is not difficult at all. It just actually speaks for itself, there shouldn’t be a problem. Another thing why I continue with them is because I don’t think you have an interest taken out. NetSpend is good to have business with.

My card was stolen 3 days ago. I called to have my card reported lost or stolen. I was told that I would have to wait 7-10 business days to receive my new card. I told them that I can't wait that long and what was my options. I was told the only way I could receive my money was to transfer it to another card. So I went to Wal-Mart and wasted $15 on a card that couldn't be activated. So I called them 10 times that day and I couldn't get a direct result from anyone. So when I finally talked to Felix he told me that I had to purchase another card and to have that activated. So I spent another $15 on a card that couldn't be activated. So yesterday when I was trying to activate my card they told me it was a block on it and it would take 6 business hours for it to come off.

For the first time in years, I received a small tax refund. One of the refund options was a NetSpend card. It took a bit longer to get the card than promised, but it arrived just before a two week trip to Europe. I could not find any place in Europe where I could use the card. On my return, I tried to use the card for a domestic car rental. That didn't work either. I found myself using the card for purchases I really didn't need to make simply to avoid having the balance squandered in card fees. I suppose if you have no credit or have bad credit, this card might be of some use. As it is, I've thrown away $350.00 on useless "stuff" and $25.00 on card fees. Not for me.

I had a good experience with NetSpend. I got a disability and decided I wanted go that route and contact them. Since using them, it's been better not having it all at one time but all my bills take up the money anyway, but sometimes it works out pretty good for me. I can put back a little bit. It gives me the opportunity to pay my bills a little bit ahead of time, to get to do things that I might run short sometimes. It helps me to be able to get it a little bit faster.

I don't have any problems with NetSpend. The early received deposits are wonderful and I love the fact that you can make a deposit by taking a picture of the check. I have been able to use my card to pay bills and make purchases online as well. My experience with Netspend has been excellent.

It was a year when I did my taxes and Turbo Tax offered NetSpend to me. I've managed my finances using NetSpend as a direct deposit for my paychecks and to pay bills. When a certain company took off too much money, NetSpend ended up releasing my funds and fixing it. I would recommend them to anyone. I love my experience with them.

I was at the ACE check cashing place and saw the NetSpend cards. I asked them about it because I wanted my Social Security to be secured and wanted to find a place that had a direct deposit so they told me about NetSpend. Since having the card, my money comes earlier. I feel safer because I don't have to carry cash with me and I can pay with my debit card. I can order things online. It's been a real blessing in all areas because I don't have to worry about trying to get to some place to cash the check, carry the money around with me or not be able to get the money when I need to get it.

I've had my NetSpend card for about 4 months. This is now the THIRD time I've had a hold issue with my card. There is no basis for the hold - and the customer service people aren't in the US so they typically can't help me. Holds seem to happen at night or weekends, when I need funds for purchases and I have to wait until Mon-Fri to contact someone at corporate to get these ridiculous issues worked out. This is now the third time an issue has come up. It may now be time to withdraw my funds and cancel this card. The hassle factor isn't worth it. I've never had a card with so many issues.

Having easy access made me get NetSpend. I get to avail of overdraft protection and deposit timing from using the card. I use it like a regular card, and I use both the reload locations and direct deposit options too. Their team was also fairly decent.

I had paid cash for an MRI on Sept 15, 2015 from Rose Radiology, I had the MRI done elsewhere. I had the money refunded to my NetSpend card on Oct 5, 2015. When I contacted NetSpend on the 6 to inquire about the refund they said there was no refund pending. OK, so I called back on the 7. At that time I was told that I needed to send in the receipt so I faxed the refund receipt over. I call back on the 8 and was told my funds had a block on it because of fraud. I asked what was fraudulent, they said I didn't use my card to pay for services so why am I receiving a refund. I explained to them that no I didn't use my card I paid cash, but the only way that I could receive my refund was to put it on a debit card due to the company not holding cash. So I was told at that time that my funds would be available later that night.

I've had NetSpend for so long and it's been cool. Their faster direct deposit is the best. You also get the overdraft and the rewards program which is cool. It's convenient.

It has been a tool to measure our spending.

The direct deposit is two days before payday. It's awesome. And one day when I made a purchase of $8.88 in a store and they charged me $88.88. I called NetSpend and they told me the ins and outs of what they had to do but they replaced the money based on my word. They said if it comes back that they'd dispute it. If I'll lose then they will have to deduct the money but they're very customer service friendly. I never had anybody rude. I love NetSpend and I would recommend them to a friend.

NetSpend is easier to use. I use it for direct deposit and it was great dealing with their staff.

I first heard about NetSpend through a friend. With this card, I get my money a day early. I've been able to use my NetSpend card to make online purchases and pay bills online, which is very easy to do. I intend to use NetSpend's direct deposit option more frequently. Getting set up for this process was also easy. I normally talk with the reps at NetSpend when I rent a car or book a hotel and they put holds on. NetSpend is very slow to take those holds off even after the hotel or the car rental place have been paid. Almost every time I've done it, I've had to call them a week later and they're still holding my money. They are friendly and courteous when I call them. They go ahead and release it but I have to call several times so I stopped using the card for hotels and stuff. It's very convenient to use but then they hold your money for another week unnecessarily. But overall, I am happy with their service.

I was told via email after 6 hours my reimbursement from the car dealer would be available. It's been 5 days & I'm still waiting and it's over a $1000. I tried using my card & it didn't work. They never contacted me to let me know they needed more info.

I had used Ace Check Cashing Services a few times before. And then I noticed NetSpend had a card that I could do direct deposit on. It was 7 or 8 years ago. I decided to go ahead and enroll in that. I've been with NetSpend ever since and I'm very pleased with them. I can get my check early and when I overdraft a little bit they just hold the monthly transaction fee, which I always forget about, until the next month when my direct deposit comes in. I'm not charged any extra for that overdraft.

The only issue I had with NetSpend is when I go to the ATM to get my money out, they charge $2.50 to $3.00 and when I call to get the balance, they charge $0.50. They also need to get English-speaking representatives because when I talk to them on the phone, they rush me through and doesn't give me the time to talk. But other than those, it's all good.

I use my NetSpend card all the time and I don't carry cash ever. But in all the TAs and Petro truck stops, they always have a hard time scanning my card. It works but they need to put a paper over it or sometimes a plastic and it will scan fine. And instead of getting charged every time I use it, I got their monthly plan. NetSpend card is perfect for me and I've actually told a few people about it.

I had hundreds of dollars missing a couple of months ago. NetSpend shut my card off because of the weird amounts that were hitting from different places. When I called in to fix it and figure out what was going on, the security questions were terrible and bizarre -- my favorite was, when did I open my account, my previous address before the address that I am at now, etc. I got divorced recently so I've moved. They weren't asking me normal questions a financial institution like my other bank would ask me like my date of birth -- things that people know off the top of their head like the last four digits of my social, etc. It's not just once that I've been asked those security questions but several times.

I chose NetSpend because I get my check two days early with their direct deposit which is really easy to use. It's also convenient using my Netspend card to pay online because I get charged for fees when I do with an ATM. I would recommend NetSpend.

Okay come to find out, it was not NetSpend fault that my account was in the negative. The hotel I'm staying at put some authorization holds and NetSpend fixed it for me and released my holds. I wish the two male reps would have fixed it last night, but they seem to not be interested in helping me, but this morning I spoke with a female supervisor and she was able to help. I notice any time I have an issue the male species is no help, but any female that I speak with is able to help me every time. Thank you so much, Toni.

I like my NetSpend card because I can go online and see my balance plus I get the alerts. I use the card for online purchases, money transfer and me getting my money a few days ahead of time have been very helpful. In the past, I've had little problems with unauthorized transactions and NetSpend has really taken very good care of me. I have recommended it, and my mama, two cousins, and ex-husband have signed up. Though I didn't get the $20, they are enjoying their NetSpend cards.

In my opinion NetSpend is not worth the time. Very difficult to deal with, hard to contact. And I had trouble using the card.

A co-worker told me about NetSpend and I've been a member of for years now. I usually use Direct Deposit but when I issue a paper check, I go through the reload option. I've experienced countless of benefits using NetSpend and would recommend it.

Hi. I activated my NetSpend account when my AchieveCard expired to receive my federal student loan money and am very disappointed with the card altogether. They claim that you'll receive your deposits 2 days sooner and that so far has been untrue. The financial aid dept told me they sent off my deposit almost a week ago and I still have a 0$ balance and they're still saying they see no pending deposits and my school is saying they did everything on their end and still nothing. I'm really tempted to go back to AchieveCard.

My friends recommended NetSpend to me. It's easy to use and I never had any issues. Even though I have a traditional bank account, I kept NetSpend because it's easier with paying or shopping online and paying certain bill. I do direct deposit frequently and also load it occasionally with additional funds. One thing I would change about the card is the loading option. Before, you just go and reload at a register somewhere and then the funds were immediately available. But when they changed it to that safe-lock, where I have to buy the reload pack, take it home then load it onto the system, it takes 24 hours to transfer it to the card. That's the inconvenient part. But overall, my experience has been great. I would recommend NetSpend.

I haven't had any problems with NetSpend. I had one other card from them before. They have a nice overdraft protection plan which I enjoy as every once in a while I'd go over. Also, paying bills or making online purchases is no problem at all. One time I had to call when my check was late for deposit and I had to pay off my bills right away. That was the only problem I ever had with them. I'd recommend them to others and as a matter of fact, my daughter is involved with NetSpend.

A friend of mine told me about NetSpend when I was living in a shelter. They usually work with social security and I've heard great recommendations from people who use it. I use the direct deposit all the time, which is quite easy and I use it when I pay bills or make purchases online. It's convenient and I'm happy with that. Also, they help me out with a credit line when my money is not available so I'm able to access whenever the money's pending. Overall, it's been really good.

I had a tax return and NetSpend offered to put it on the card, so I went with them. I’m using my card to pay bills or make online purchases, but the biggest problem I had is calling someone that sounds like they’re from Argentina. The company should get people that speak English. Other than that, NetSpend’s a good bank and I like it. I’d recommend it to people.

I've been with NetSpend for a very long time and I get direct deposit earlier with them. The only bad thing is their customer care. I've been hacked 3 times - my card, number was used up in New York while I was in Florida. They rang up $250 worth of items. The representatives were not able to help me because I couldn't get a hold of anybody. I was at work and it was 9:30 at night. I had to go through all these calls to hopefully get somebody and they can't understand me or I can't understand them. It got aggravating and I couldn't do anything. I was hopeless. Nonetheless, I have recommended them to other people through all that has happened but they've had the same trouble with customer care. NetSpend also charge 50 cents or a dollar every time I call the 800 number. My own bank doesn't do that!

NetSpend product is good. I like that I can get a card and transfer money to my dad if I need to, if he had a card. But the dispute when you call in to have your money released - if there's a problem with your money from a vendor - is not taken care of. They don't do anything about it and it’s frustrating. Their customer service is terrible and horrible. I travel so I have hotel incidentals. I have to call them to have them released and they never do it and I have to argue every time. They're not American representatives but it doesn't matter to me who it is. What matters is that they understand where I'm coming from and they don't. I love the service that NetSpend offered and will continue to use NetSpend. I just don’t like their customer service. I'm dreading calling them now.

Call Ace Elite customer service department today to add son to my account and they tell me I can't because I already have two people on my account - my dead son and me, so what exactly am I missing? Then I try to explain to them that I want to take my son off. They tell me I can't, but wait... it gets better. Before all this a few months back I had to file a fraud claim. So my old account was closed and a new one opened so why did the old people that I have on my old account transfer to my new account and then the supervisor told me that I had called in and added people to my account and he had a recording. Such lies... and the way their customer service reps speak to their customers is just wrong. I just want everyone to know that after this experience I will close my account and go elsewhere. They don't care about how they treat their customers.

I'm so angry with NetSpend. I think they’re vipers, and insidious. It’s been messed up the whole time. They’re really bad. Last year, they made me prove I was me-- like I’m putting my Social Security money in my name into my account. They were insane. They pulled the stunt on me that my Social Security’s been sending money to the wrong person for 15 years. And every time you would try to send what they’re asking for, it was too light, or too dark and so that was a three-month ordeal. You never know when the account is going to have money in it.

I just left a bank after a year because even though they advertised I'd get my money 3 to 4 days early with direct deposit - I never did. NetSpend was strongly recommended so I tried them. Guaranteed 3 days early access to my funds with direct deposit so I signed up and started direct deposit. I have not received my money early. Called customer service only to be offered excuse after excuse after excuse. And every rep. gave a totally different excuse. Also I've found several banks do this these days. Offer early access to your money with direct deposit and it never happens. How do they get away with this. It's all good NetSpend. Called Social Security and next month my money starts going on a different card. You get one chance to be honest with me and if you're not - you no longer get my business.

I got a NetSpend so I can receive my pay checks sooner and be able to keep track of my balance immediately after purchasing. I'm able to keep up with what I'm spending because each time I make a payment, I immediately get an alert. It's very convenient to pay bills or make purchases online and I can also do Moneygram. I frequently use the direct deposit, and it's very easy. Whenever I've had to contact them, they've been very helpful.

I was in the market for a card that would be convenient for direct deposit. I have a card that my son uses and which I load, and NetSpend can keep track of his purchases so I chose it. I like their text alerts and the online access helps a lot. It tells me how much of my purchases are for what and it breaks up my expenses into percentages of what I'm spending my money on. I've had nothing but good experiences with NetSpend. I've had some situations where I've gone to ATM machines and they haven't dispensed cash and had an issue with somebody compromising my card and purchasing things on it online that I was unaware of without my permission. NetSpend has always been very helpful in making sure that my funds are protected and if something does go wrong, I get my money back right away.

Updated on 12/06/2018: I've spoken with Billy ** and Synina ** for two years. Sent her the receipts and he is telling me that they have a different rules and compliance than what we receive in the mail. So when you get money loaded that wasn't bought with the card it's consider illegal but yet the card lets you do it at a major auto car brand store. Then after holding the money Netspend still takes its fees off the card with the money.

I used to go to a check-cashing place to cash my Social Security check and it was costing me a lot of money. The girl there suggested that I have it direct deposited and NetSpend was available then, so I got them and my experience with them has been excellent since. There's a lot of things I can't get on the internet unless I have a card and I don't have a bank account so having a Netspend card is convenient. Additionally, not having cash on hand makes it a lot simpler because I don't have the urge to run out and spend it quickly. I've lost it several times but their representatives have been kind enough to help me get a new card. I lost it again since we've been here in Kentucky and they've been very helpful and polite. I was told that I could get a new card overnighted which was nice because my money was on the card. Else, I couldn't spend anything and I had bills to pay.

I didn't have a bank account and our payroll had to be direct deposit. I talked to other people who got Rushcard and they said it's not a good type of card so I went on and got a NetSpend card. I've got two - a premium card and a regular card. It's an excellent card. It allows me to go to a bank and get all my money off the card. That's my advantage of having NetSpend. It's convenient for me and I like their service. When I had called one day because I forgot my password, the representative helped me get my password reset. She worked me through it. I'm going to continue using NetSpend.