Netspend cards can be used just like credit cards or debit cards. You can choose credit at checkout and provide a signature, or you can choose debit and enter a PIN. Each purchase comes with a $1.95 fee regardless of which option you choose. Fees for ATM cash withdrawals are $2.95.

Netspend allows individuals to receive access to their direct deposit funds two days early, and your money is FDIC-insured via Netspend's relationship with three banks. The company does not charge overdraft fees and allows consumers to open a savings account that pays 5% on balances of less than $1,000.

How Much Does Netspend All-Access Account by MetaBank® Cost? There is no activation fee. Notice this card charges a monthly maintenance fee of up to $5. There is a reload fee of up to $3.95 fee every time you reload the card.

Netspend® All-Access® is a deposit account that is offered by Republic Bank & Trust Company, Member FDIC. The Netspend® All-Access® by MetaBank, N.A. Account is established by MetaBank®, National Association Member FDIC. Netspend is a service provider to MetaBank, N.A., and Republic Bank & Trust Company.

We empower consumers and businesses to be self-banked. Our products are designed to be used as tools for people who don't have a traditional bank account or who prefer to use alternative financial services.

$10 Here's how it works. Netspend allows customers a buffer of $10, which means overdraft protection kicks in when the balance goes beyond -$10.01.

Money can be tricky sometimes, but it doesn't have to be. With a Netspend® Visa® Prepaid Card and Netspend® Prepaid Mastercard® you choose the options that fit your life best, giving you the freedom and control to do your banking your way.

Best for: People who want a payment card that doesn't let you go negative or charge overdraft fees, unless you opt into overdraft coverage. People who have had trouble with managing a bank account in the past.

However, these cards are loaded with a certain amount which you can utilize, unlike debit cards. Netspend cards can be used internationally and are accepted at any location that accepts a debit Visa or Mastercard, depending on the card's brand.

Netspend offers both pay-as-you-go and a monthly fee plan for all card users. Like many card providers, most Netspend cards have a 3.5% foreign transaction fee on every transaction.

The card serves as an alternative to traditional banking while providing many of the same services you may find at a local or online bank. As a financial technology company, Netspend isn't a bank, but it partners with banks to provide banking services attached to its prepaid cards.

What was the lawsuit about? According to the FTC, many people who bought NetSpend prepaid debit cards were unable to access their funds, either because NetSpend denied or delayed activation of their card or because NetSpend blocked them from using it.