Frys Electronics - Netspend I returned a laptop the following day after i purchased it and the credit was put back on my Netspend account, but not physically back on my debit card!! Plano Texas

This is a good example of why you need a real bank. You said netspend which is a prepaid card company. I know with prepaid visa's and mastercards the amount does not go back all the time so they have to actually either issue you a new one or you have to get a hold of the company netspend and ask them what is up? Also because you are using a prepaid debit card its just a gimick its not really a debit card. Its a prepaid card plain and simple. Frys can issue the money back to the account but its up to netspend to put it on when they can. I had a purchase and even with a real bank took 10 days to clear a pending charge that was not even rung all the way through it was cancelled or voided and should not have reached them.