NETSPEND ALL ACCESS DEBIT CARD METABANK false terms when applying for card, no way any one can afford these fees! Internet

NetSpend is not deceiving us.  They post their fees clearly on their website and with in the terms and conditions.  People can sign up to pay a monthly fee of 9.95 to waive all of the debit and credit transaction fees, or pay 1.00 for credit or 2.00 for debit transactions.  This gives us the freedom to choose which plan we want depending on how much we use the card.  The reload fees are something that goes to the location that load the card, direct deposit is always a free option.  Of course every financial institution will charge some kind of fees; otherwise they would not be in business.

I am a customer of MetaBank and I find it absurd that you would criticize a company that clearly outlines all fee's associated with using their cards, in their Terms Of Service (Better known as the TOS Agreement).

You didn't have to sign up. But obviously you did. You didn't have to activate the card. But obviously you did. You certainly NEVER had to put money on it, and use it. But it's very obvious that you did just that.

Then why did you complain about something you set yourself up for?

If you read the contract it clearly explains that if you have direct deposit on a regular basis (like we do) then there is no fee's on alot of things. Check it out for yourself. They also refund the 9.95 First time fee for opening the account.

I have been using them since Jan 2009 and have had NO problem with any of their charges. Because I kept a mental note of what costs what and watched what I did.

For example, If you use credit instead of debit at a merchant, there is NO TRANSACTION FEE.

If you take cash back at a Merchant versus going to an ATM machine, you save on ATM FEE'S.

If you have Direct Deposit you have very few charges anyway.

And I love the fact that you can borrow money, and it comes off your next direct deposit, and then you can do it again. And again. And again. Honestly, if you didn't have a situation causing you to seek out Pre-Paid Debit card Companies then you wouldn't be on this board complaining. At least not about MetaBank.

Now ask yourself this. When your done complaining about something that was staring you in the face (to read TOS) before you signed on the dotted line. What bank can you walk into and open an account with no hassles? And what bank or loan agency can you walk into and it's open to loans with no questions asked?

Take your complaint back to the drawing table. This one warrants no futher disscussions.


From a MetaBank Visa User and Loan User