Charged a 1.00 for receiving a direct deposit from my job. Also was charged $200 in fee's alone FOR using my own money. They just make money from fees and this is definitely a bad way to keep your money safe. Just keep it at home or pay the bank and keep your money safe. I would suggest not ever using a prepaid card. They are working night and day to stay your hard earned dough. NetSpend should be NEGspend because you'll soon be in the negative.