Netspend Reviews

The card works well for what I needed it for. I feel safer using it on line. Sadly, this company like so many others has outsourced their customer service to the Philippines. I know they speak English (barely) but are unable to understand simple requests for information. The call center staff are so poorly trained, all they can do is look up your account. Even simple questions beyond your account balance take a painfully long time to answer. How about a US call center?!

I had my income tax put on the NetSpend card and I've been using it ever since. I made it to a direct deposit through my payroll and it's been great. I keep track with texting. It comes straight to me, so I know exactly what's in there and what's going on. It's pretty awesome. Now, I don't have to deal with banks. I utilize their direct deposit mainly. I've had call the team at NetSpend when I go out of town...That's the only thing. They do put a block on the card when you travel and try to get gas in the middle of the night. Otherwise, it's nice and quiet. I don't hear from anybody and there are no issues, so I don't have to deal with them. It's perfect.

My card was hacked 2 times, once last year and a few days ago. I find it kind of suspicious that this keep happening with this card and no one at netspend know how it happened. Someone took my money out of a atm without my card in another state Houston texas and last year it was Florida which seems to be the two states it happens at the most and Netspend is in Texas I believe. This company is terrible. I will never get a card with them again. It takes 7 to 10 days to get your money back like I have other money somewhere to pay my bills until then but I don’t. Please don't get this card because eventually yours will be hacked too. I guarantee it.

I've been a customer of NetSpend for over ten years and I have enjoyed the company. I like the features of the card, the ease of using it and the online feature except for the pay bill program, they changed it when they updated their software. There's no way that I can send ACH check to customers or the people that I owe. It's really changed and it's very difficult to do. I'm retired now so I'm in a community in central Wyoming that doesn't have banks that are really in tune with internet and inter-banking checking. So the fact that I have a NetSpend card is a great feature. I enjoy the alert features because I'm able to keep track of my balances and my deposits. Customer service, when I can get a hold of them, is good. But I sure wish that it wasn't outsourced overseas that it would remain inside of U.S. and employ our people here in the U.S., rather than outsourcing to the Philippines or Malaysia.

I was given a prepaid card from someone else for $250 from this company. A few months later when I tried to use it, Netspend said it was already expired. They never told the purchaser this would happen so quickly. Nor did it say that anywhere on the card or the package. They said they would issue me a check for $165, but the rest was gone for maintenance fees. (Surprise - we took your money!!!) I can't wait to see if the check even shows up. This company needs to refund me the difference since it was not clearly disclosed that there are hidden fees in a short period of time. The packaging on the card actually says "Clear, no hidden fees, no surprises." This is a lie.

I like it. It has the limit on what you could take from the ATM in case the kids get their hands on the card. They also have a overdraft protection. They give a little leeway with certain things, or people just trying to get back on their feet especially dealing with things you deal with in life. That’s what made me really take heed dealing with NetSpend after a family member told me everything about it. Because I can’t open a regular bank account.

I worked on a job and a lot of people were getting their money ahead of my money being deposited in my bank account so I decided to sign up with NetSpend. I have a Control card with NetSpend, so I just applied for it. I get my Social Security and pay bills quicker, and it's convenient to use in making online purchases. I don't have to carry cash since there are a lot of ATMs that are free. I also use the direct deposit option. I have a regular debit card with a bank, so I just take the money and throw it in NetSpend afterwards. That way I don't spend it too fast. I have recommended NetSpend to somebody the other day to get Social Security.

Back in 2003 I needed to purchase some plane tickets and I could not do that with cash. I needed a credit card and I didn't have one. So I went and got a NetSpend card. I've been one of their members now. I frequently use the direct deposit option. It's easy for people to do it. Now, unfortunately, I do have a lot of fraudulent issues. I've had to change cards quite often. But, other than that, it's been okay. I've recommended them all the time and I've recommended them to everyone of my kids.

I've managed my finances better with NetSpend because it's easier to track. It is beneficial to be able to transfer from PayPal accounts and I've also used it to pay bills and make online purchases - it is very convenient. Likewise, setting up direct deposit has also been very easy. I've called their customer service a couple of times, one was to dispute a charge and they were extremely helpful. They have been excellent, very low wait times if you have to call.

I was in a currency exchange cashing a check and I had too much cash. I decided to fill out a NetSpend application and get a card so I could put my money on it instead of carrying cash. I'm disabled so with NetSpend, I pay all my bills online with my card. There's also been a couple of times where there is unauthorized usage of my card and I get to follow the necessary steps - they put my money back immediately and did the investigation, and found everything was correct. They have a very good customer service - they are very polite, helpful, and they answered all my questions. Only comment is that I’m getting double-charged when I withdraw from ATMs.

I got NetSpend because I had to get a card for my Social Security. It’s a secure way instead of the checks. I don't have to worry about my personal information. It is also very convenient because I can use it anywhere. I can use it on the Internet or pay bills and stuff. I never had any complaints with NetSpend and I'm happy with it.

NetSpend is awesome. I use it for my direct deposit. Anytime alerts let me know my finances and some overdraft coverage. The team is great. I would say my problem has been taken care of. It’s wonderful and I love it.

I have been a customer for forever… In fact I have had a few cards expire already. Anyways I use this for my PayPal account for my eBay business daily and have been for years. Today I get 5 text messages in a row -- EVERY CARD I EVER HAD (including ones that expired years ago) were "reported stolen and now blocked". I was furious seeing as though I did not report anything stolen.

I've managed my finances better with NetSpend because it's easier to track. It is beneficial to be able to transfer from PayPal accounts and I've also used it to pay bills and make online purchases - it is very convenient. Likewise, setting up direct deposit has also been very easy. I've called their customer service a couple of times, one was to dispute a charge and they were extremely helpful. They have been excellent, very low wait times if you have to call.

I live in NJ. On 03/26/15 someone in Florida stole my info and used my money from my direct deposit. I quickly was notified by text and cancelled the card. The next few days I disputed the claim. After waiting the 3 days it took for the fraud charges to finish pending, I faxed everything over and a few days later I was sent a letter saying that I won and was going to be credited back the money. This was when the battle started, I had to transfer the funds to a temp card that I had to buy from seven eleven. I spoke to a rep that googled my nearest ace location and the idiot gave me ace hardware store in Newark NJ (her dumb-** googled ace store in Newark NJ). Every rep placed me on hold for hours and I was even hung up on, the managers were no help as well. After hours of back and forth the last gentleman I spoke to (the morning after) was helpful and transfers my money immediately.

I used NetSpend because I thought it was safer than cash. I was wrong. I took my truck to a transmission shop and paid $1400.00 for a rebuilt transmission. I was given a 3-year unlimited mileage warranty. I paid for the repair on 10/29/2014. At the end of December 2014 the truck started acting up in EXACTLY the same way it did before the repair. I contacted the transmission shop and he said he would loan me a vehicle and repair mine. He told me he would call me the next day to set up the loaner. He never called me again. I tried calling several times, but it always rang 5 times then went to voicemail. I couldn't leave a voicemail because his mailbox was full. I finally took the truck to another transmission shop and they told me that I needed a new valve body (already replaced at first shop) and that my wiring was totally burned up (supposedly replaced wiring at first shop).

Using NetSpend has been great for me. I've been able to save more money and spend responsibly. It’s been very convenient and I don't have to carry cash with me. I can also pay my bills and make online purchases with it. I just had a problem with the ex-girlfriend trying to get into my account and I had to change password, but that’s no big deal.

I don't know what is going on, I tried to log in my account and it said to contact customer service so I did, and they said my account has been closed and I ask why. They said they don't know. Suspicious activities??? And won't say a reason. I didn't do anything wrong. Every time I call, they leave me on hold for 40 minutes at a time and never come back. I'm so pissed off because I was waiting my deposits today and they said they were going to return anything that gets sent to them. This is so messed up because I been a customer for years. The only thing I can think of is me overdrawing my account which doesn't make sense because I pay it back every time.

Have been loyal NetSpend user for years. Card number was stolen and my entire account emptied in 3 minutes, over $900.00. They are uncaring, do not call you with updates, and have no idea when my money will be refunded. Meanwhile, I have nothing and rent is due in 5 days. The only thing they will tell me is that it can take up to 10 days to investigate. Most banks refund your money within 1-2 days of fraud, but NetSpend wants you to wait at least 10 days. This tells me that they file a claim with FDIC and will not give you your money until they get a response. Their customer service reps are rude, ignorant and cannot answer questions intelligently. Not sure where the call center is, but it's not in America. As soon as I get my money back I am closing my account and going back to Chase. They may not be the best bank, but they protect you against fraud. NetSpend does not.

I figured that NetSpend would be a nice card to have due to their direct deposit - I like that I can get my money two days earlier. I manage my finances better with Netspend since it shows all my transactions on their website and every time I use the card, it texts me with a detailed receipt. I've used Netspend in paying bills and online purchases and it is very convenient and makes it real easy. I use the direct deposit and reload. With the reload, I go into the store, tell how much I want to put on my card and less than ten seconds, the money's on my card. I've recommended NetSpend to my whole family.

NetSpend has been fantastic for me. Every time I use it, I haven't had any problems. It was quick and easy access to get my direct deposits from my payroll check when I was working and they gave my checks a different day or two. I get my check a little early which was kind of exciting and convenient for me. I also use it for online purchases like buying movies, as an ATM, I can go to get gas, and I can use it at the grocery store here. It’s been convenient for that purpose also.

I actually just got my card since October and that was pretty much it, because I have a debit card with my bank account that I get my pay on. I just receive my income tax on my NetSpend card. Also, I did pay some bills using it and everything went through great. But if I end up having to order some stuff offline, I'll probably put some more money on it. I've tried to use the card instead of my bank in case the information would get leaked out or something, then I could just cancel that and I won't have to suspend my whole checking account. I actually had to contact them once and everything went well and smooth. I didn't have any problems. If anyone asked me if they were looking for a debit card-type prepaid, I'd say "Get NetSpend."

I got a refund at a store, put on my NetSpend card. It then showed up on a text message that it was available. I went to go get some money out and my card came back as blocked. I then called customer service and they let me know that it was blocked because they did not see a transaction prior. They said it could get cleared up if I faxed the receipt to them. I then call to verify that they received it and they then told me it would take about 6 hours. I then called about 7 hours later - I was then told it actually was going to take 2 more days to process the funds back to me..

I don't trust banks and NetSpend was convenient for me. The money can go direct deposit, and I can pay my bills ahead of time. I really enjoy having the NetSpend card and the benefit of saving more money. It's the only way I pay my bills, and I do everything with it. I reload it when I have money because I don't like to carry cash on me. The only thing I do not like with NetSpend, we have to pay $4 or $5 to reload our card through, to put it on NetSpend.

I tried it when I went to pay a bill at a check-cashing place and saw it there. NetSpend gives a text message every time you make a purchase, and then they text-message your balance every day which I like. It's very easy to manage finances because of the text messages. I don't carry cash, I just use the NetSpend card. Last year my card got compromised. Someone used the account to purchase items down in South Carolina. I called NetSpend and they discontinued that card and sent me a new one. I sent them a letter saying I didn't use the card because I was in New Jersey at the time, and they refunded the money that was taken. NetSpend is excellent all around.

I use NetSpend for my direct deposit, pay for bills and online purchases. I’m in the preferred plan and it’s free every time I use it as the credit. I only have one problem with it because when you take out money at an ATM, the ATM charges you and then NetSpend charges you also. Other than that, dealing with the team is great. They are very knowledgeable and know what they were doing.

I’ve been a Netspend customer for a long time and I have everything on auto pay out of my Netspend account. Among the benefits of the card is not having to carry cash on me, pay bills, and make online purchases which are all convenient for me. I use direct deposit 99% of the time and that process is easy. I use my NetSpend to auto-pay my car payments and the fact that I have to put in routing number and my bank account number, it’s a day or two before that money ever comes out. I would rather have it come out automatically. I’ve contacted their team when I’ve had an unauthorized charge or when I get a name change where they were very helpful and everything was done in a very timely fashion. Also, we have different family members who use NetSpend and we transfer money back and forth which is nice too.

I like NetSpend. I got one when I started working. Since getting it, I can manage my finances better and I have no trouble about it.

Last April we used NetSpend for the first time because in rush for refund. What a waste, card got lost. Called them to cancel and send Replacement. Well never received it, so called again and this time they said there was no record of a first call but this representative told us balance (1400!) And said card going in mail should arrive in 2 weeks. Well again no card. So now, 3rd time calling and now they have no record of the 2 calls, etc. Keep getting run around.

NetSpend I have no problem with as far as the service but the customer service needs more lesson in speaking English. I don't mean any offense. A lot of times it just takes too long on the phone because they can't understand English and I have to repeat myself four times to customer service. That part is very aggravating to me. So usually if I do call, I end up asking for a supervisor and it absolutely gets better after that.

My mom was using NetSpend so I decided to try it and so far I'm absolutely 100% pleased with my NetSpend card. I use it all the time to pay bills and make purchases online. It's been very convenient and for the most part it's better than a bank card because banks charge you all these overdraft fees and NetSpend doesn't. In addition to that, everybody's been very helpful any of the times that I've ever called.

I love NetSpend. The only thing I wish that they had was the ability to take pictures of checks so you could deposit them.

Yes I'm satisfied.

We were no longer given pay checks, so I needed to secure a way of getting my pay checks through a card. I chose NetSpend, and one of the perks at the time was they offered free monthly with direct deposits. I'm able to get my bills paid on time, and with them offering the one day early with the direct deposit my account is credited actually the day before check day - that helps. Their employees are very helpful and seem to be very knowledgeable with helping me with any issues that I have. If someone is not able to help me, they get someone else without a problem. It's been a great experience so far. In fact, I've actually opened up another account and I refuse to give up my NetSpend because I really enjoy the perks with it.

I love NetSpend and I'm happy with them. I will certainly recommend NetSpend.

I was looking for an easy way to pay bills so I got NetSpend. It's easier to manage our finances with it instead of keeping cash around. I get money when I need it and it's very convenient to use for online bill payments and purchases. I use the reload locations and Direct Deposit quite often.

It's good to have NetSpend. It's prepaid and I don't have to use my bank card or my credit cards. I load it at stores and I have it combined with my PayPal account and my business account. I use it for online purchases - it's convenient. I thought it was inconvenient before but they were just protecting me. They treat my online purchases like it was some type of fraud, but I can understand that because when I do the purchases, it's for different places so they cut it off until I called and I verified who I am.

It's easier to keep up with my finances using NetSpend because I'm not dropping cash or wadding it up or leaving it in my pants pocket or anything. I receive checks earlier than if I were to wait on the paper check - that's one benefit. And you don't have to pay an ATM fee. If you go into Ace, they'll give you cash every day without a fee. I frequently use direct deposit and the process is very easy. I've called NetSpend a few times and they usually take good care of my inquiries without too much hassle.

I decided to use NetSpend because I did not want to deal with banks anymore. I mostly use the Direct Deposit from Social Security to put money on it so that is the only income that is coming out. Since using NetSpend, it was easier for me to pay my bills. It has no fees - better than the bank, bottom line. When I needed to call them, the people were professional, knowledgeable and were able to answer all of my questions. NetSpend has been very easy to use and no hassle.

I haven't had any trouble with NetSpend except for resetting passwords. I haven't lost any deposits and in the near future, I'd like to open up the saving account side because there's a checking and a saving. I would definitely recommend it to a friend. It's been very good.

I needed my own card to make sure my money was being managed and NetSpend looked like it was a reasonable thing plus my credit isn’t all that good. I use it mainly for deposit. All the money I don't need to spend I keep it on the card. My taxes got on there pretty fast too. The NetSpend team has been very straightforward. I recommend them to my cousin and she got a card. My mother and grandmother also got one too.

Cs team is the biggest bunch of morons ever, and are very unhelpful. Asked for a refund that would take 20 biz days. Ridic. Then said a 25$ charge would apply to get next day shipping on a new card.

It has been very convenient for me that I can use my NetSpend to pay bills or make online purchases on a regular basis. Their Direct Deposit is also very easy to do and the people they have seem to be pretty good. They are a great company.

A tax preparer filed my taxes via Turbo Tax and opened an account with Netspend without my consent. The IRS approved the return and deposited the refund into said account. Once I realized that the deposit did not go into my bank account, I called Netspend and closed the account. Long story short, I pressed charges, the police detectives gathered proof of the fraud (video, etc) and arrested the suspect and charged her. I was advised by Netspend's dispute department that I needed to file a complaint with the IRS, which I did, as well as the FTC and have the documents sent to them. The police sent the documents via email and fax to Netspend.

Got NetSpend to get my refund back and it's just really handy. A lot of banks now are online, you have to have a card to be able to access them and what-not, and I have had a credit card for shopping online and that has helped a lot. With NetSpend I usually just add money to my card and it helped me spending-wise. Their people have been more than helpful every time I talked with them. I like it better than any of the other cards that's out there that you can add money to it - NetSpend's better all the way around.

Bought my sister-in-law a birthday card for her significant birthday. She experienced several blocked use attempts and when I logged in to check balances, I found monthly charges were eating up the value but balance was available. However she continues to run into blocks. When she tried to call customer support she was told they would only help for a fee. I recommend no one use this product as a gift and I sincerely believe the monthly fees are excessive (and well hidden in the mouse type available with the card).

Since using my NetSpend card I get my paychecks earlier. I don’t have to pay the bank fee, I only pay the $5.00 premium fee and it’s a lot easier. It’s very convenient to use my card to pay bills or make online purchases. I also utilize the Direct Deposit option more frequently. No hassle and it's very easy to use. Every time I’ve called in, they’ve been very helpful and have done everything that they could to resolve any issues that I’ve had.

My experience with NetSpend has been good and I've had no issues with them. I got it because I had a regular PayPal account so I already knew the name. The card just makes it easier to keep track of my finances. Among the benefits that I have experienced since using this card is the savings account... I like that it has a good interest rate. Also, I have been able to use my card to pay bills and make online purchases so it's pretty convenient. I also use the direct deposit option frequently and it's not difficult. If I've had to call the people at NetSpend, they have been more than helpful and able to take care of all my issues.

I am having to request my refund be reissued directly to me. The IRS sent them my check months ago and they claim they do not have it to post to my card.

I was looking for a prepaid card that I could use for my travel pay from the VA hospital or VA clinic. They needed a bank account but I can't get a bank account normally because of circumstances. So my sister got the NetSpend card for me. She put $20 on it to begin with. I've had this card for almost two years now. I use it all the time to pay bills and make online purchases.

NetSpend helps us control our money because it doesn't let you spend more than what you have in your account, maybe about $5 or no more than $10 of what you have. That was how we ran into problems with the banks. And then we would have late charges that would come out of my next pay. The farther we went, the farther behind we got. Now we have our direct deposits go in there. We've been using it for about four or five years. We use their direct deposit option more frequently. It's always two days ahead of time. Just a couple times over the years, we paid for something and we took it twice. We had to call NetSpend and they fixed it right away.

I love NetSpend! I'll never switch. My overall experience with them is perfect. The only thing I have problems with is when I referred someone, but we never did get money off of it. So I don't know if I'm doing it the wrong way. That's the only thing I wasn't sure about.

Thank you for resolving my issue. Much appreciated.

I thought NetSpend would be easier to get because there's no credit check involved. Since using it my finances are a little bit better because it helps to control your money. Using it was very convenient. I do both direct deposit and reload locations. However, the customer service is poor every now and then. Sometimes they answer the question correctly, sometimes they don't.

I like my NetSpend debit card. I've had it now for about four or five years. I need a prepaid debit card to have extra money deposited, instead of using a regular checking account because that's how I pay my bills. The way it's set up, I know where I'm spending my money and where it's going to whenever I use my card to pay my bills. It gives me a message back on how much I have left on my account, which is pretty good. That way, I'm not wasting any paper. I also use it for my job for direct deposits so that money is always going into it.

I purchased this card for my son to use at college without having get a credit card. What a mistake! Every time he used the card he was charged $1.00. He is a student with limited funds. This does not work for us. Very disappointed in your product!

NetSpend has received documents from me for the past 5 days showing a transaction was never made. They still will not release the funds. I can't speak to someone in this country or a superior. I can't speak to anyone in the documents department to verify and it takes 6 business hours for them to review documents.

What stands out for me about Netspend is their text alerts. It's also great how easy it is to use. I went to an Ace Elite checking place and they gave me a Netspend card and since using it I've been able to manage my finances better.

NetSpend card worked fine better than expected until I moved 1000 from a mobile wallet to the NetSpend account. Thurs March 26 direct deposit goes in. I use the card all day. Friday march 27th, receive text saying balance 1158 available. Go to gas station my card is declined. I call NetSpend and find there is a block on my account until the mobile wallet company sends documents. Friday march 27 mobile wallet sends documents. On sat march 28th I get a text saying "your balance is 1153 after NetSpend fee." They can draw money out but I cannot. Today is sun the 29th and they still have a block on my account. I should call the cops because what NetSpend did to me is theft. I need my money.

Netspend helps me manage my finances online with keeping up with my account. But the ATM fees, they add up like once I swipe it twice, it’s like four transactions ‘cause I’m paying the ATM fee and the other fee. That's the only thing cause everything else with me is fine. It alerts my phone when purchase is made so I don't have to worry about any fraudulent charges or anything placed on my card.

I’ve been with Netspend since 2010 and everything’s been good. I use my card to pay bills or make online purchases. I also use the direct deposit, which was very easy to set up. And there are reload locations near my place just in case I need it.

About three months ago my card was stolen on the day before i was getting paid. I called and explained my situation to customer service and the representative was very polite and knowledgeable. The representative also took time to explain how i could get access to my money without having to wait for my replacement card in the mail which made it me feel a lot better even though the card was there within 3-4 business days.

NetSpend is the best debit card company I've ever dealt with in my life. I had used a RushCard and just happened to walk by an Ace Elite card place on my way to the store. I went in and talked to the agent and she said, "Here's one of our cards. Use this and you don't have to pay that $9.95 to activate it. I use Ace Elite but NetSpend owns them." I've been using my Ace Elite/NetSpend card ever since. I've had them lost and stolen, and they have taken perfect care of me. I have been able to use this card to pay bills and make online purchases. It's very convenient. I use direct deposit, on my Social Security. I would recommend it and in fact, I have. NetSpend is the most awesome debit card company there is in the United States of America as far as I'm concerned. They can do no wrong.

NetSpend is real good and I'm really happy with it. My wife did the research and she heard that NetSpend works like a bank. I never had a problem.

Someone had stolen my card number through Home Depot, broke in and got hacked. NetSpend called me and notified me of it, and sent me a new card. They called me to let me know that my card was being used and some charges was being put on there that they didn't think I made. I think that was great. My sister told me about them and she'd tried most of those prepaid debit and she said NetSpend was the best. So I just tried it and it worked wonderfully. Now I could transfer money to her and she could send me my money back. I use it for paying online rather than hooking it up to my checking account. When I have money deposited on it, I just pay bills that way. It's easy and every place accepts them like it was a credit card so I don't even have to get one.

I opened an account with NetSpend (wu) and added my boyfriend to the account as a second cardholder so that he would receive them about three weeks faster than an actual paper check. The deposit was made on March 13, 2015. It was a little more than 3000$. I convinced him to leave the money in the NetSpend account and use the Western Union prepaid NetSpend debit card to make his purchases. He agrees to do so. Then, on March 20, 2015, he saw a P2P transfer from ** to ** for the amount of $1100.00! I'm assuming the card name (first name and first letter of last name) are what shows on statement as to and from.

I love NetSpend and have been with them since 2005. A couple of times I have money taken out of my account, but they put it back quite immediately. They rock!

I was looking up something when my son told me there was NetSpend and to check into it. I did and they seem to have a good program going. I get my government check early by a couple days and that helps a lot. It's easier to understand the statements when I get them. I like the fact that I pay less on the plan fee. Where a lot of companies put out false advertising, NetSpend doesn't. And the company is good, sincere and honest.

OK, ever since I have had an account with them I always have problems with the online or phone calls. Either they don't understand English language very good and they never give you the help you need, they just say call but when you call, the people are complete idiots. I end up calling 5 or more times and get so mad that I end up screening at these people. And the things I need help with are easy things, like to change pin number or to get my online new password, but no it seems too difficult for these people and I think if you can't help people with something so easy that how do they be able to deal with people's money! Wow.

My daughter told me about NetSpend and I like it because I get my pay two days earlier which is great. I also use it to pay my bills. A few months ago I had a problem with AT&T, my money was taken out, I called up NetSpend and made a complaint and they took care of it. I got my money back into my account.

I needed a credit card to load my pay check on so I got a NetSpend Card. I chose them because they pay two days in advance and I don't have overdraft fees. NetSpend also makes it convenient to pay bills online and the process of direct deposit is easy. The experience with them has been cool so far.

I set up an account for my ailing father-in-law to avoid him overdrafting his checking account. I have a legal POA over his finances, but now Netspend won't allow me to speak on his behalf even after submitting the documentation as requested by a representative. What's worse, one representative on the phone said she could see it, gave me INFORMATION about the account, and then said she couldn't confirm my POA. If the latter was the case, they are giving out sensitive information to just anyone.

I decided to get in contact with Netspend when I learned I could get my Social Security on it. I use the card to pay a couple of bills online then I go to the bank and get the money off. It’s very easy to use the card. When I had to call customer service to get a replacement card, they were very nice and sent me a new card. My old card stopped working due to some scratches on it but when I got the new card, everything has been fine. The overall experience has been positive.

Highly advise NOT to open an account with NetSpend. I had 7 fraudulent charges on my card within a 5-minute span. Called to have the charges reversed immediately. When I called, I did not speak with an American; however, the on-hold message makes one believe you will speak with an American. The representative was hard to understand and kept telling me I had to wait until all of the charges went from pending to collected from the vendor before I could file a complaint. These charges were from foreign countries!

I was online and saw the card. I read a couple of things about NetSpend and so I ordered one, and have had it for three years now. I work at Dell, and it is better getting direct deposit so it is working for me. There was a time that I was having a problem trying to pay my phone bill through it because I had lost my wallet and I had to cancel the first card that I ever got with NetSpend. I had two or three cards with them since then. I have recommended this card to people.

The Ace Elite Visa Debit card from NetSpend.com has allowed me to shop with the knowledge that my money is safe and I can still purchase with the ease of a debit card. Unable to get credit, this card has filled the void of that problem, and made life easier. Now I can load the funds I need, when I need them, or load funds for future use, with a simple $3 fee per loading and a small $1 fee for each use of card. The card from NetSpend.com has allowed me to shop on line again and have the buying power that does not go beyond my means. It is a perfect match to someone with a bad credit history, as it allows normal use like a credit card, but never gets you into credit card payment problems. I would highly recommend this card for those not able to get credit, as it works like credit and keeps you within your budgeted funds. Great card and great customer service from my re-load center too!

I went with NetSpend because of the two-day early deal because it always helps to get your money early, and also for Social Security disability so that sounded prominent and it's something that I would like to try. It helps manage my finances but I think that $15 overdraft fee is a little excessive. I feel like I was kind of misled because I thought that when you pay the $5 extra every month, that would help as far as ATM fees.

After noticing a charge on my card that was pending that I did not authorized and had no idea who the merchant was, I contacted Netspend (Cost 50 cents to speak to a live person), I explained that I did not want the charge to go through since it was still pending and I did not authorized this charge, little did I know the burden of proof is left up to the merchant and not me the owner of the card. The charge was made by a merchant in Boston, I live in New York.

Having Netspend eliminated me having to go to the grocery chains anymore. I have a direct deposit straight to my card and I'm able to do everything from a computer and it's been an efficient way for me. My finances on my card already have setup--what goes there and the finances that I don't use is sitting on my card. Whatever I try to do there's no problem going through.

We received a card from Netspend for a tax refund. The very first time that we used the card at a ATM the machine Cancelled the transaction and did not give us the $200 that we wanted to withdraw. We didn't think anything about it and went to another ATM and got the money. We have since found out that the money was taken out of the account. We contacted the bank about it and they said it wasn't their problem and to contact Netspend. Two weeks later we have gotten nothing but lies and hours on hold. I have been on the phone over an hour right now and nothing has been done yet! MAD AS HELL AT THESE THIEVES!

It’s convenient having a NetSpend card. I am now able to shop online hoping that my personal information is secure. Being able to easily reload it through direct deposit is perfect. It’s all been great, and anytime I've had issues, they would solve it.

I didn't want to deal with a bank or anything close to home, so I figured Netspend would be better for me. Somehow it's been fairly well, because whenever I need money, it's there. And if I use the card or not, it works out fine. I usually pay my bills with it and everything is direct deposit. It wasn't difficult to set up direct deposit at all. I just notify wherever my money was coming from to have it direct deposited to NetSpend. If I had any problems, they solved them right off. They explained to me what it was.

A friend recommended NetSpend so I decided to get my deposits with them. Since using it, it helps me a lot to control my finances. I can go in the stores and pay with my card, and pay over the phone with my bills.

I went to the netspend website to activate my new card. I filled out all the info and hit continue which produced the following error at the top of my screen: Invalid GovernmentID state: Texas. No idea what that meant so called the number on the back of the card. The rep never asked for the problem but they were VERY interested in all my personal info, full name, DOB, SSN, Address, etc. They also wanted me to fax a document in with all this info on it. I spoke with a supervisor and I told her that if she would fax me her personal info, then I would fax her mine. She declined and basically blew me off. Be on the lookout for identity theft with these people. If there was a way to give them less than one star, I would.

NetSpend is very convenient. It's a reliable way for me to manage my money. Using it is a whole lot easier than dealing with an ATM and getting cash. I know the money's there and I just use the card number. The only thing I really had problems with is the overdraft fees that I seem to be accumulating. I think something's there, and the next thing it's not there because something I did online took the money and I didn't realize it was gone. Also, most of my stuff is done online. I go on the NetSpend quite frequently, just keeping on the balances. I frequently use direct deposit because the closest NetSpend office from me is around thirty miles away.

I had my account locked due to possible fraud activity. 6 different cs reps, none would provide me with info, transferred to fraud which was closed. Told email would be sent for them to call me, requested a supervisor, was told no one is available.

I use the card a lot for online purchases and it's very convenient. I got the $10 cushion and got to use that twice. I also use it for direct deposit and receive my money a couple of days earlier, on the 3rd of every month. It’s been very helpful and actually better than having a regular bank account, like with Chase because of all the fees they have.

NetSpend has an overdraft protection, the deposits come quicker and I can always go online and check my balance. It also has a savings program. It's been convenient to use it to pay bills and make online purchases. I had a couple of problems but once I called NetSpend, my money gets put back on my card. I also lost my card a couple of times but they sent me another card. One time I went to an ATM and I took out some money. And before I was gonna take the money, the machine snatched it back but I got the receipt so I called NetSpend. They investigated and put my money back so that was good.

I filed my 2015 tax return with Turbo Tax. At the end asked If I wanted to use NETSPEND to get my tax return 2 days quicker. After getting it I was told they charge $5.00 to activate my card and anytime I use it they will charge me $2.50 each time.

I tried NetSpend because they didn't charge anything to open an account with them. Now I'm using it for the bills that I need to pay. It's 1, 2, 3... done - completely easy. Unfortunately, I was due too many times, not understanding the fact that I couldn't go over or exceed a certain amount. At times, I’ve needed customer service to take me out of withhold. Their people are very professional and know what they're doing. They to get to the point and I appreciate that.

With NetSpend I don’t have to carry cash, just my card. And I don’t have to get up and drive to pay my bills, I pay them online or over the phone. It’s a great card, I’d recommend it to everybody. I've had NetSpend for over five years and I've never had a problem with them. Anytime I call I've had great customer service.

I was able to find reload locations for Netspend near our place which is convenient. I could simply go to Cumberland Farms or Western Union. The team at NetSpend have all been nice and answered all my questions correctly and with no attitude.

The service that NetSpend offers as far as purchasing is much better than somewhere else that's why I chose it. I'm always updated anytime I purchase which is good in case someone has my card. NetSpend is very quick about that. Also, its direct deposit pays a couple of days ahead just like back in the day unlike most jobs now that are paying on the pay date. And then the overdraft protection is a good benefit as well, I hope the government doesn't stop it. I also like it having a checking and savings on it. I'm able to pay bills and buy online with NetSpend without a problem. It is very convenient and I don't have to worry about a thing.

NetSpend has been very good to me. They’re always friendly. With NetSpend, you'd be able to save and pay your bills.

I've been using NetSpend card for years now and I'm very pleased with it. I withdraw my paycheck from this card and I only keep on it what I need to pay bills for, using my card, either on internet or over the phone as a charge card. The only thing that's been a tough experience for me in the past is when I've gone for a couple of loans, I'm not able to get a bank statement from MetaBank. A lot of lenders won't accept a statement from NetSpend. It needs to be from MetaBank and I was never able to receive a statement from MetaBank. Nevertheless, I'm satisfied. I utilize it the way I want to and I haven't been disappointed so far.

BEWARE..... I’VE used netspend for over ten years… it been a rocky road. I use them because they release my direct deposits on the spot. (That’s why I gave them the star.) I went to Maui last Nov, my card was left behind on accident. While I was gone, my roommate and I got into an argument over the phone (he in sf, I was in Maui). He decides to throw my stuff in an alley.. EVERYTHING I own, including my card, address book that has my pin. I get home ten days later and see this. I call the police and file a report and notify netspend my card has been stolen and 2000 is missing. They block my card and access to my on line account.

NetSpend gives a good way for me to keep track of my money. Every time you make a purchase, it rings back your balance onto your phone if you have your card linked with your phone. It's pretty secure, too. I've been using it to pay my bills and make online purchases.

We got our Netspend card in '07. At the time my husband was working at Mississippi and he would deposit money so I could pay bills back home. We've had it since then and it's been a great card to have. It seems to be a secure card, as far as we know, and we're pretty happy with it. It's always with us and we always use it wherever we go, I can pay my bills online, we can purchase whatever we need online and we have not had an issue with it at all. It has come to good use.

It's nice that I'm getting check deposits a couple of days early. No outstanding charges with the banks. I'm now using NetSpend for almost everything.

Money comes a little quicker with NetSpend. It's a very good company and they're very friendly and hit back with everything I ask for if I have a problem. Highly recommended!

I don't like banks so I went with NetSpend to manage my money for me. Because in banks, if somebody has your debit card and you have them on an automatic payment plan, they take your money out, they try to run your card. I'm on disability and I'm getting paid once a month. So if the bank try the 28th to send the bill, they'd charge me to pay $30 because my card didn't go through. Well, that was my payment. And then I wouldn't have enough money to pay because they charge my account $30. So that sets me back. Well I'm sorry I don't have enough money to play it like that. So I should have a prepaid debit card. And NetSpend at the time was one of the few that have the prepaid debit card. Everybody that I've ever talked to at NetSpend has been nothing but pleasant and very professional.

At least ten representatives promised to lift a block on my prepaid card and it was never done then corporate promised to send a check and it still has not arrived. This has been almost a month now - they are holding almost a thousand dollars for no apparent rational reason.

I was with another prepaid debit card provider before I used NetSpend. With NetSpend, you get the money faster and you could borrow money off of them when you need emergency money. I like them because they let me know what my balance is, when my deposit is coming by text alert any time I make a deposit or track back to note what my balance is. NetSpend is very convenient and secure. I use it to make online purchases all the time. Everything about them is good customer service. I like being with them as a customer and I hope I stay with them forever.

I get to manage my finances better with NetSpend. The card is very good to use when I pay bills and make online purchases. But there was one time, I called them and told them to put a stop on my card. I get a new card and they thought that it would take 14 days for me to get a new card and I said I can't wait that long to have access to my money. They want to charge me $25 for me to get the card the next day. Then they took $25 out of my account and I didn't even receive the card the next day.

I called in to ask questions on my account. I am not sure if the person I was speaking to had any type of customer service training, but she was very rude. After asking her a question about my account she went ahead and blocked my card. She never informed me that she was going to do this. I found out through text messages. I called back and asked for a manager. She was no help as well and spoke little to no English. She continued to repeat the same response over and over again to me. Then she told me to get my card back faster I need to pay twenty five dollars. This is the first company that does not do overnight shipping. The express service they provide takes four days. They did not want to admit any kind of fault on their end nor did the manager even apologize to me. I recommend no one to ever put themselves through such an agony.

I'm an elderly person and on a fixed income. I got NetSpend because there were no contract involved and the fees were small. They have always been available when I've had problems. Like when someone got into my account and we had to change my card. They've been very helpful whenever issues have come up or where I've cancelled an account and they went ahead and billed me in. I didn't have to go through all that trauma. I'm glad I have my card.

I'm a very big fan of NetSpend. I've been with them way back when I used to live in Dallas, Texas in 2010. I have no problems with any of their services. And their team of people are respectful towards me. Their only downside is the overdraft fee that I don't find out until it's charged.

Just writing to send some good feedback. Please forward to whatever departments this may help.

Personal Issue: We have had NetSpend for 5 years now. Today we finally decided it was time to quit their services and shred their cards. We went out to get fuel and dinner one night and realized that the magnetic strip wasn't working and decided to activate the new card that we had gotten from them with my wife's new design she wanted on it. We were on EMPTY and needed fuel right then and there. We called to activate the card and they said there was a hold on our account. They needed 8 hours to process our request. I explained the situation and went up the chain of command. There was nothing they could do to expedite the transfer of funds to the new card. We ended up finding change in the car and got home and waiting until the funds were finally changed to the new card. It took 3 business days for all of the money to transfer over.

Because I became a disabled vet, I was given a very large settlement check and I haven't had some place to put it. So when I went and cashed the check, I thought about opening an account once again. NetSpend helps me manage my finances a whole lot better. It's a whole lot easier not to carry around a lot of cash especially in this day and age, people will knock you in the head for 10 bucks. And I receive my direct deposit from the US government through NetSpend and every time I called for some assistance, they've been on the spot and have taken care of me immediately. If I send an email, I'd get a response within probably about 3 to 4 hours. I'm very happy with it and I've been recommending it to a lot of other people as well.

I've absolutely been able to manage my finances better since using my NetSpend card for about a year now because I only spend what I have. I don't go overboard and I know when my check is coming in. I don't have to worry about having to pay every time I go to the cashier. I've recommended them to friends. The customer service is excellent. I've always had good experiences and their operators are very, very respectful. I wish all of United States would be that way.

They've been pretty accurate. I very seldom have to call unless there's a problem with the merchant that's taking money out of my account and not putting it back. It's convenient that I don't have to write checks out and wait in line for the bank, and the money goes right to my direct deposit. I also like their overdraft protection and getting my money early because I don't have to wait until that particular day. I just love the card and I'll be looking for a long time relationship with NetSpend.

NetSpend checks balances that I get with it, so then I have my balance right then and there, right after I use it. It's good!

I needed a card for my direct deposit and their few days early direct deposit made me go with NetSpend. But I'm gonna get out of that situation very soon because it's costing me more to be with them. I'm already upset cause I got to pay $8 to get my own cash and it's very ridiculous.

I have had no problems at all. NetSpend is terrific. They're a very good bank and they’ve been very helpful and useful to have as a second account.

NetSpend is convenient! I've been using it for almost a year now to pay bills and buy stuff online. I get money earlier on my card to pay everything.

I've been using NetSpend for years. I've only had a problem 2x, double charge. Both times, it was resolved and my funds returned within 24 hours. My Pay check is direct deposited and I now have a Premium account. It's awesome, $5/month and no purchase fees. For those having problems with tax returns, NetSpend is probably not at fault. There is a lot of fine print you should read before direct depositing a tax return. Also, you have to use the card on a regular basis or they inactivate it. I have no complaints and will continue to be a NetSpend user.

I applied for a NetSpend Card when I did my taxes on Turbo Tax. The card came exactly a week later in the mail and the money was already loaded on it. I've spent several thousands of dollars on it already, then I tried to go to Walmart yesterday and make a withdrawal at the money center and I was denied. So I went to the ATM to try again. It let me withdraw 300 dollars but no more than that. So I called NetSpend customer service right away and they told me that some suspicious activities have been going on and my address has changed so now I need to verify my identity. But it's going to take 4-6 hours so they told me that they needed a bill, an I.D., and my social security card through email.

My granddaughter is away in college and I set up a joint account so I could put money in the account for her, and with Netspend it’s been a good experience so far. Since I have a personal account as well as the joint account, I was able to pay bills and make online purchases, and use them to loan my card, or send money to my grandson, who is in Atlanta and also has a NetSpend account.

Brinks prepaid mastercard - I received this card by mail and decided to use it for electronic deposit of my tax refund...big mistake. They took forever to post and make it effective. After IRS stated they sent it to them they kept saying nothing received, not even pending on my acct, but other negative fees were posted immediately in my account and I never used this card, only called. Is 0.50 each time you call and 1.00 for ATM withdrawal. They charged me for month I activated card which was unfair. I didn't use card. Very disappointed. Don't use this card for IRS refund...use a regular bank. My mom used other well-known bank and got her money posted next day after IRS sent it to bank. I'm still waiting for money to be effective and not sure where money is because IRS sent it and they claim they don't have it.

My friend told me that NetSpend has pretty good service so I tried it too. I enjoy it. I mainly use it to pay my bills and I've been able to manage them a lot better. It’s very convenient. Their representative were pretty knowledgeable and helped me outside my concern.

I've been using NetSpend for years. I don't feel the need for any of the bank's services because NetSpend does everything I need. They're good.

I needed something that was only for debit but that I could still deposit my check onto. And Netspend was really easy to get. They've given me really great service. The employees in NetSpend are all been great. I've called them with any questions or concerns, they're always very helpful, polite, and patient with me, which is hard sometimes because I tend to go off on a rant. I don't get much money on a fixed income with my disability but with Netspend it's easier for me to save a few dollars because I can just take off a certain amount from the card. It also helps me to be able to pay for things online such as bills--it's a lot easier to manage. The best part that I really like the most is that there's no checks so I don't have to worry about anybody else coming in, taking in a check and writing them out, and overdrawing me. It's really great because I can only take out as much as what's in there and they don't ever let me overdraw.

A friend told me that Netspend is a lot easier than the other cards, that sometimes the deposits come in a little earlier. Unfortunately once I have mine, I don't use it as much. I have a regular account and I just use Netspend as an extra one. It helps to have that account, though, in terms of managing. The one time I did call NetSpend, the person walked me through it so the little times I did have to call is always pleasant, always quick. I've had a good rapport with them when I've had to call.

Well I used Netspend for a while when I was working for UPS and I never had a problem with my cards, maybe except the fact that the charges were a little much, not that I'm really frugal or anything. My account was becoming a forgotten remnant of my spending when I chose to receive a pay card from my next job at AMC. Worst decision ever!!! Either way I knew I was leaving my job because they wouldn't give me sufficient hours to save money. I filed my taxes recently and while I was waiting and checking the status of my refund, my account was closed. I experienced this once for when I didn't use my original card for about 60 days or so.

On Feb 9 my son tried to wire money to me via western union using his netspend card. Netspend cancelled the transaction and won't release his money back to the acct-- it's 1427.00. We have faxed and emailed documents netspend has asked for and everyday we call they haven't either received it or they require more documents. It's like they don't know what they are doing. They even made my son call western union and fax them a letter with some info. Western union faxed netspend what they asked for and still netspend is asking to resend all the documents again.

I love the features of NetSpend. It's great that I can look at it anytime as I have my direct deposit going there for the last five years. It's wonderful and I never have to worry about my money getting lost so I know that with NetSpend, it's definitely secure and very convenient. Also, I've changed my name recently, and it was actually simpler than using any other card. I just contacted them and they tell me what I needed to do. I faxed in the information and then they sent me a confirmation with their email and text saying that it was done. They're always nice and courteous, and they take their time to help you. They are very welcoming.

I like NetSpend. My Social Security go on there every month. Their people are easy to work with and they don't give me a hustle. I never had a problem with them and my experience has been good overall.

I'm not new to online purchasing, or debit/credit cards, (both from banks and prepaid) but I honestly never thought I would see a situation like the one I am faced with. I made an online purchase through a big national name retailer, many issues came up with the order. I cancelled the order, according to the company I purchased from, they "never took any money, it should be right back on there, though I'm told to tell you it will take 3-5 business days just to follow our script". I didn't think anything of it at first, they are a big company, things happen. I'll wait the 3-5 business days, that's normal-- I'm used to that.

I loaded a NetSpend card from the recommendation the CSR @ Check & Go in Flint MI. I activated the card and failed to use it. When I called NS for help I was told to buy a new NS card and call back.They asked questions that I answered truthfully. I was told I failed. They have my SS# and now are requiring me to fax my ID for security purposes. I have no idea who they are.They are just a voice of offshore CSR's. They asked for more info than the Check & Go. I plan on taking this one public.

I've had NetSpend since 2009. I enjoy the early deposits instead of having to wait until the 3rd to get a check when my check goes into a whole week early. The only thing I don't understand is that sometimes like right now, I'm in a cool down mode because of the overdraft protection. Which I still don't understand. I got a regular deposit going in every year, every single month. And also my regular increase at the end of the year. I have no problem with it except for the package every once in a while once I shut off the overdraft protection. When you need emergency cash, you can't get it. But I would definitely recommend to all my friends if they're willing to take it.

We've had NetSpend for four or five years now. I like that I get paid more than a day in advance. I have recommended NetSpend to a bunch of people, and some of them got in.

I called Netspend because I had just found out this afternoon that something I had ordered on the 5th of February was cancelled on the 11th and I had received a refund without my knowledge. So when I called Netspend trying to figure out why the refund wasn't on my card they told me that I had already spent it. I had talked to 3 reps today and each one had hung up on me because I wanted to know where my refund was.

I use NetSpend for getting money for the card and I get my checks deposited on it too. It's alright overall -- no problem.

I got my income tax put on my card. I got a alert that day the IRS deposited it but it's not showing in my account. I call customer service and they can't see it either. Really? wtf yo do nos

NetSpend is a great company. They have great customer service and overall, the prepaid providers are very lenient on speed. One time, someone stole my credit card information from them, and NetSpend refunded the money within a week. So, they have very good turnaround. For a company that does provide account services for those that have less than perfect credit, they're really great. I've never had a problem with them at all for the three years I've been with them. Now, though I've gotten back to checking account with better credit and I don't really need it, I still do use Netspend because of their security.

I was a 66-year old widow, when I had surgery for Breast Cancer in August of 2013. I had a Direct Deposit with my Social Security check and this allowed me to borrow or use an advance $100.00 on my account until my next deposit with a $15.00 fee. I did not miss any of my doctor appointments nor did I miss any of my medication. Thank you NetSpend. It is 2015 and I am Cancer free.

Ever since signing up with Netspend, I've been doing a lot better in managing my finances - if I have cash, I spend it quicker than I would on the card. I utilize NetSpend's direct deposit. It's so good, I've recommended it to friends.

I was with Green Dot for seven years and I left them for NetSpend. I've been with NetSpend for a little over a year now. My husband and I have two different cards from NetSpend - Western Union and PayPal - and we both have our disability checks deposited each month. I had Green Dot, but I started hearing more positivity with NetSpend because there were more benefits: there's the overdraft protection, less monthly fees when you have your direct deposit, and the withdrawal of cash is less at an ATM.

Netspend is withholding my IRS tax refund. I was told on Jan.30, 2015 that my card had been shipped to my address. I called on Feb. 12, 2015 to ask where my card was and was told it takes 7-10 business days for the card to ship. From Austin Texas to Sarasota, FL. The USPS says any mail inside the US takes 2-8 days (not business days). I called back 2/12/15 and was told that I should just wait. When I told them that I wanted my money transferred to another account, I was told that they were not able to do that. And after an hour, finally spoke to a supervisor who told me that a new card would be expedited overnight on UPS.

The person who was taking care of me stole my card. That person also knows the card number and my code and NetSpend said it was my fault. I'm not worried about it anymore. They haven't sent me another card yet so I just opened up an account with my other card. I like NetSpend but it's just too easy for people to get your information.

I like the NetSpend card and the service because of the no fees and different things of that nature. It's easy to use, no hassle. I use my card to pay bills and make online purchases. I don't carry cash anymore. I like it! One time I had to call them to release a hold on some money and the employees I talked to were very helpful.

Since using Netspend, I know exactly what I have in my account when I see it right on time and I don't have to worry about trying to pull it up. It comes directly to my phone. Another good thing is that I can use the card to pay bills and buy things online. But the only thing I did not like is I was charged for something on my card a week ago and they cancelled my whole card so they made it inconvenient for me because I had to use my son's card and it charged me every time I had to use it. Other than that, my experience was great. It's perfect with NetSpend.

I needed a debit card and checked out NetSpend. I chose NetSpend because they have MasterCard. I got direct deposit and stuff like that since using the card...It's pretty good. I have also used my card to pay bills and make online purchases. The team at NetSpend -- some have been good ones but there have been not so good ones. Like any other company, you've got your good days and bad days. Sometimes you get passed around a lot. You just go back to the first person you talked to and all of a sudden they have the answer.

I have been using NetSpend for over 2 years now and have had nothing but good experiences. My check is deposited early, they stop illegal charges and replace funds taken. The Customer Service is superb. NetSpend is a great card. I recommend.

Over the last two days I've have been on phone with customer service trying to get my tax refund unblocked. I've been given misinformation and lied to. And now my tax refund was returned.

The only issue that I have with NetSpend at one point was that I went to a place to put money on it at a certain hour and they couldn't do anything...this was 6 o'clock in the evening. But pretty much overall it was fine. I didn't have any issues. When I needed it, it was there, and I was able to do what I needed to do.

I received my tax refund on the NetSpend card because it would get to me the fastest, and I don't have a checking account due to some fraudulent activity on my old one. Anyway, I set my pin, went to use the card, and it said the pin was wrong. I figure, no problem, I'll just reset the pin. Maybe it didn't take. Called the customer service line, was connected to a customer service rep almost instantly after stating I didn't have my pin.

I needed a prepaid debit card I could use for online purchases, NetSpend seemed the way to go then. It helped a lot for me to have a direct deposit as well as money transfer options between checking and savings, which is pretty cool. It has a lot of cool features too. Fast, direct deposit transactions, very little problem using it in ATMs and it's just pretty simple to use. It's pretty convenient. It's gotten better over time since from my understanding, NetSpend has been enhanced several years ago. For instance I like how you can send a text message to get a balance inquiry. I think it's an overall better experience since it's been enhanced.

NetSpend always lets me know what I'm spending. I use it to pay bills and make online purchases and it gives me automatic update on my balance every time I swipe the card. It's really good - I like their service.