It’s as simple as that. Netspend was established by Sosa brothers in 1999. But their reps are really quick and fast. The overall rating of the company is 1.5 and consumer Netspend will text you the routing number and account number. I had a netspend account linked to my 2018 return that deposited the stimulus on netspend back in april. I get disability and I may spend my money earlier, but most of my bills are due on the first, and now I get my money before that. I get my benefits about a week in advance. With it being a Mastercard, you are protected against fraudulent charges. Here are some frequently asked questions about the Netspend Prepaid Visa card. Called Netspend only to spend 4 hours on the phone getting the run around and a lot of "it's their fault, not ours" bull$#*!! One of the interesting advantages of NetSpend versus other prepaid debit cards is their referral bonus program. You don't need to reprimand any customer service employees because they are doing exactly what you have trained them to do. Maybe you don’t want to sync your card with direct deposit, in that case, you can load your card by snapping a picture of your check. ; You won’t be held liable for more than $50 in unauthorized charges if your actual card is stolen. He told me that I got to have my concern in writing and email it with my account number down there. Also, I love the alerts because it kinda keeps me in the know if there any transactions and it notifies me when my benefit hits, too. That bothers me a lot. I called customer service while the transactions were still pending before they posted. Reloading your Netspend prepaid card is simple and easy. I just started with netspend and I’m very happy with it. Using it means you never need to give your personal banking or card details to any gambling sites. Sign up for Reloadit Safe - It's easy. Google tools can help keep you up-to-date with near real time information on the status of nearby fires. Card issued by MetaBank® N.A., Member FDIC. I'm happy to be with Netspend. Netspend sends transaction alerts to your phone so you know when you receive deposits, when transactions go through or get declined and when your balance is getting low. Please read the Terms and Conditions. Mobile Check Load for Netspend is a service of First Century Bank, N.A. If your reading this your probably thinking of buying a Netspend prepaid card and hope to earn some extra money ... Read more Of course, there are … . Unfortunately, NetSpend is not always a reliable service. Contact us, read our FAQs, & find out how we keep your personal information safe. While the tens of millions of Target victims likely won't be on the hook for any fraudulent transactions that may occur, debit card users could face bigger headaches than credit card … He is a licensed insurance agent, personal finance blogger, and financial coach. With all of the different tools available, NetSpend can help you manage your money. Unlike other prepaid cards, the NetSpend® Visa® Prepaid Card includes a rewards program and allows you to get paychecks and government benefits up to two days faster with direct deposit. It was acquired by Total System Services (TSYS), a financial services company in 2013. That global payment giant is the parent company of Netspend. The fees and advantages are differed depending on which plan you choose. I've been dealing with Netspend for years online and I liked them. I have been with netspend for years. We empower consumers and businesses to be self-banked. They take the $5 out once a month. But it's okay, because he said I still get a refund, the dispute is in my favor, which it is because they have recording devices or cameras wherever the card was used. Card may be used everywhere Visa debit card is accepted. You file a claim with their customer service tell them everything including faxing reciepts and or proof of fraud and they do absolutely nothing except stall and stall and stall. Using your NetSpend Card as a Savings Account, get information about your latest purchases, get your routing and Card Account information. Netspend is a leading provider of reloadable prepaid solutions. Also, your money is insured up to $250,000. NetSpend is very safe, very convenient and even if I did have to change my card number, I wouldn’t regret the $600+ in FREE MONEY I’ve received over the last year of referring people. TSYS offers payment services to small businesses and merchants. Yes it’s safe. Contacting and filing … As a company, NetSpend was founded in 1999 and now serves over 10 million customers. My first experience was when I did taxes back when they sent the Netspend card to start it off. I use Netspend more and more. It gave me more freedom, opened up my life, and changed everything. With NetSpend, there are several other ways that you can use that don’t require you to get in your car. But I wish that I was able to get an extra $50 for my limit because being with somebody so long, there should be a trust factor. Netspend. Direct deposit funds could be available on your card up to two days faster than a paper check. Chime uses security processes in order to keep member’s account safe: Deposits up to $250,000 are insured through its partner, The Bancorp Bank, Member FDIC These are the three cards and how their fees work: The account inactivity fee can be avoided by having some activity on the account. I left my card at a smoke shop and somebody picked it up. Additionally, Netspend is an upcoming reloadable prepaid card that has gained lots of popularity among those wanting to manage their money. The official NetSpend company is legitimate and safe for users. Someone charged 178.00 in gas on my card in 2 different charges 4 minutes apart. People don't even have an option of doing a monthly fee or per transaction on some of them. Privacy and security are great. So, I have to redo another card. Lesson learned. Internet security has become a hot topic, especially in the finance world, and NetSpend understands that and takes it very seriously. You can choose a monthly reduced rate plan or pay-as-you-go fee structure that charges per transaction. Beware of this company if you plan to have a substantial amount of money with them. There are several different cards Netspend offers that you can choose from, the two most common are the basic card with all of the advantages that I listed above, and the other option is the NetSpend Premier. I canceled it the next day, but some charges went on it after that time. Netspend offers prepaid debit cards from Visa or Mastercard with no activation fees and no minimum balance requirements. All the relevant factors used by our algorithm provided an almost perfect score. Netspend. They were able to email it to me but it would minimize the amount of call if I'm able to just retrieve my statement. The card is safer for me than having any cash and that allowed me to do a lot more. You might be surprised to learn that with NetSpend, you can open a savings account and earn up to 5.00% APY. and Ingo Money, Inc. In the middle of a pandemic? Using prepaid debit cards for business might not be the most traditional method, but it could be the perfect solution for some companies. Card use is subject to activation and ID verification. It sounds a lot that you’re paying that out of your money. People wouldn’t be getting these prepaid debit cards if there weren’t enticing features, and NetSpend has plenty. Also, your money is insured up to $250,000. I've always appreciated Netspend. 0 liability doesn’t really mean 0 liability in the netspend world. I had to call Netspend and the guy I talked to was trying to tell me it was going to take up to three months before my money comes back on my card. I've lost my card three or four times. Don't have a pack? It takes a couple of minutes and it posts my transaction right away. If you don’t have a Netspend card and would like to sign up for free Direct Deposit, your first step is to order a Netspend card . Netspend offers a Zero Liability protection. In conclusion, you still need to be careful when conducting business on ANY site, not just netspend.com. I also see that it could help people manage their spending because there’s no way they could overcharge on one of these cards. By shoving an unwanted card onto us, netSpend pretty much lost any chance of having us a customer in the future. My husband's ID and SS are now flagged as "high risk " and we didn't do a damn thing wrong! As long as you have funds in the account, you can use the card at any location that accepts Visa and Mastercard. Netspend offers a Zero Liability protection. This means that you are as protected as any Mastercard or Visa user. NetSpend uses bank-grade encryption and security measures to protect your sensitive information from potentially fraudulent activity. There call center is in the Phillipines and security breaches are outrageous Hold times are outrageous if you ask for a supervisor they will put you on hold or hang up. If you do not use your card for 90 days, you will be charged a $5.95 inactivity fee. I was able to get my apartment because I had that Netspend card with the banking and the routing number. Copyright © 2021 Consumers Unified LLC. I have been a Netspend customer for years, and I see no need to change that. I read up on the All-Access. There was a tab there that was confusing and I couldn't retrieve my statement of account, which I used to get every month. Quality. To be on the safe side, I set up an automatic transfer of $1 every 2 months. Other fees for Netspend’s services include: There are no fees for direct deposit or paper check services if you use Netspend’s mobile app, and bill payment fees vary. So I know wherever I use my money and sometimes, I go someplace and I know exactly where I went and how much. If you hold a NetSpend card, you can send money directly to other NetSpend cardholders, making it a great option to send money to your friends or family that are also cardholders. Paul Moyer is the owner and Founder of SavingFreak.com. I do not want to wait for it to be mailed. You can set up money to automatically transfer money into your savings account every time that you put money on your card, or you can make transfers from your NetSpend account. Furthermore, your information is safe at NetSpend since the company has put adequate security measures to prevent information leak. Using the Netspend mobile app allows user to see their balance and transactions, send and receive money, load checks, and find reloading locations. The Netspend Small Business card is backed by Mastercard and FDIC insured through MetaBank. I also loaded money onto my debit card yesterday at Walmart and it was very easy. Yes, Prepaid Cards Work On OnlyFans. Required fields are marked *, SavingFreak.com has an advertising relationship with some of the offers included on this page. Also, I had problems this month with my Flare account. Over the past several years, more and more people are choosing to go with prepaid debit cards versus a checking account, or some are using them as an additional tool WITH their regular banking accounts. To finally give a clear answer to the question, no NetSpend is not a scam and it’s safe to use. NetSpend does not issue cards to residents of Vermont. You’ll enjoy lower fees, a “purchase cushion” of $10, which covers you if you spend more money than is in your account, and you can also get a customized card with your favorite photo. In fact, I'm trying to get my mom and my sister to join it too. Netspend has been good to me. Netspend charges an inactivity fee if there’s no activity in your account for 90 days. Netspend is a leading provider of reloadable prepaid solutions. There is one fee that you should be aware of if you’re considering applying for a NetSpend card, and that’s the transaction fees. netspend.com Review. The Netspend Prepaid Mastercard may be used everywhere Debit Mastercard is accepted. You can have your paychecks directly deposited into your account including your income taxes. Inconsistent with the posting time. That’s not exactly true. If you have a basic account, you will be charged $1 for every purchase you make with a signature and $2 for every purchase you make using your pin. Security. Our content is intended to be used for general information purposes only. With it being a Mastercard, you are protected against fraudulent charges. You do not need a bank account, but your card is eligible for direct deposits that can get you paid up to two days faster than a paper check. I have been using Netspend for many years and never had a problem. Netspend Card Pros 5.00% APY savings account on balances of up to $1,000, and 0.50% APY on the amount over that. The Netspend Visa Prepaid Card may be used everywhere Visa debit cards are accepted. The customer service is ok at times and sometimes it’s garbage. I tried the Western Union card but I didn’t like it. It reminds me of my FreedomPop review, most people had no problems, but those that did were very frustrated and were very likely to voice that frustration online. You could get some nasty ones, but I haven’t. I've had a good experience with their reps, too. I haven't been able to get that money back on my card. You can load the card for free at any HEB grocery store. I love it!!! They wanted some different type of information and they said, "Well, if we don't get this, we can't let it go." And I have a difficult time with the transfer of funds. I assume I won't get it anyways because I didn't file in 2019 and this check is going off 2019. Terms and Costs apply. The Hidden Cost of Debit Cards Plus, the firm has attracted more than 50 percent of the world’s largest financial institutions as customers. If you want to load more money onto your debit card, you’ll have several ways to do that. For every person that signs up because of your referral, you and the new person will both get $20 in your accounts after the new customer deposits $40 onto their card. Is Netspend Small Business card safe? It's easy to use the reload locations and when I call for customer service, asking a question, they really help me even though I have an accent.

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