Mastering the NetSpend Online Account Sign-Up Guide

Intro

In the era of digital finance, having a reliable online account is a game changer. One such player in the financial services arena is NetSpend. It offers users a way to manage their money efficiently while allowing the flexibility of online banking. But before you can tap into these benefits, you must first navigate the somewhat intricate process of signing up for a NetSpend account. This guide aims to shed light on every nuance of that process, making it as easy as pie for you.

Investment Terms Explained

Before we roll up our sleeves and dive into the sign-up process, it's prudent to familiarize ourselves with key investment terms that often pop up when discussing online accounts and financial management.

Definition of Key Terms

Direct Deposit: This is when your paycheck or other income is electronically deposited directly into your account. It saves you a trip to the bank and often allows faster access to your funds.
Prepaid Debit Card: Think of this as a card that allows you to spend only what you load onto it upfront. Unlike a credit card, you're not borrowing money; you're using your own.
Mobile Banking: A term that refers to managing your finances right from your smartphone. You can monitor transactions, transfer funds, and even pay bills.

Understanding these terms can enhance your grasp of the features you might want to explore once your account is set up.

Contextual Use in Investing

In a world where savvy financial management can dictate success, knowing these terms helps in decision-making. For instance, using direct deposit to fund your NetSpend account can ensure immediate access to funds, which can be crucial when investing in time-sensitive opportunities. Similarly, a prepaid debit card can help in managing your spending without the risk of going into debt—ideal for anyone who's looking to keep a tight lid on their finances.

Potential Hurdles in the Sign-Up Process

Every rose has its thorn, and the sign-up process for a NetSpend account is no exception. Here are some potential challenges to keep an eye on:

Identification Verification: Ensuring you have the right documents ready can save you from unexpected delays.
Internet Connectivity Issues: With everything being online, a weak or flaky internet connection can throw a wrench in the works.
Technical Glitches: Sometimes, technology behaves like a stubborn mule. Be prepared for that.

Key Steps to Sign Up

So, without further ado, let’s roll into the juicy bits—how to actually sign up for your NetSpend account. Here's a step-by-step guide to streamline the process for you:

Visit the NetSpend Website: Start by navigating to the official NetSpend website. Ensure it’s the correct site to avoid scams.
Select "Get Started": This button will kick off the registration process.
Provide Personal Information: Fill in your name, address, Social Security number, and other necessary details.
Choose Account Features: Decide if you want direct deposit, mobile alerts, etc.
Submit for Review: Double-check your info before hitting that submit button.
Verify Your Identity: You may need to provide additional documentation for verification.
Wait for Confirmation: This could take a few minutes to a couple of days, depending on various factors.

Following these steps can make your sign-up process smoother.

Essential Considerations

As important as it is to complete the sign-up, understanding what comes next is equally critical. Keep these factors in mind:

Fees: Familiarize yourself with any potential monthly fees associated with your account.
Usage Limits: There may be restrictions regarding how much you can spend or withdraw.
Customer Support: Know how you can reach out for help if things don't go as planned.

"When in doubt, always consult customer support before making financial decisions."

Mastering these elements can elevate your financial management game.

Finale

Overview of NetSpend Accounts

Understanding the landscape of personal finance is paramount in today’s fast-paced society. NetSpend offers a pathway into this world, crafting solutions that appeal to a range of individuals who seek to manage their financial life more efficiently. This section will bridge the gap between traditional banking and modern financial technology for savvy investors, entrepreneurs, and finance students alike.

NetSpend is not merely a prepaid debit card. At its core, it provides a way for individuals to gain control over their money without the hassles that often come with conventional bank accounts. The convenience of online accounts cannot be overstated; users can check their balances, review transactions, and manage funds all from the comfort of their computers or smartphones. This ultimately leads to better budgeting and saves time, which is a precious commodity in anyone’s life.

Understanding NetSpend's Services

NetSpend positions itself as a versatile financial tool. For people who may not want to engage with traditional banks – say due to stringent requirements or fees – NetSpend's services shine. The basic offering is a prepaid debit account that allows users to load money and make purchases without the risk of overdrafting, which is a haunting possibility with regular bank accounts. The distinct advantage is the control it offers. Users can only spend what they load, keeping their budgets tighter than a drum.

Furthermore, NetSpend does not discriminate against those with poor credit histories. This aspect alone broadens its clientele, especially for individuals who find themselves on the fringe of traditional banking solutions.

Another noteworthy service is the ability to receive direct deposits. This benefit significantly reduces the waiting times usually associated with paper checks—money can be available the same day it’s deposited, which is invaluable when unexpected expenses pop up, as they often do.

The Role of Online Accounts in Personal Finance

The modern digital landscape means individuals can manage their money anytime, anywhere. Online accounts like those offered by NetSpend play a critical role here. They provide a stepping stone for those entering the world of personal finance management. With just a few clicks, users are equipped with tools to track spending habits, set budgets, and keep funds safe.

For many, the fear of overspending lurks constantly. Online accounts allow for instant visibility. They make it easier to categorize expenses and identify unnecessary outgoing funds, fostering wise spending habits.

In essence, using an online account combines technology with financial wisdom— transforming traditional concepts of budgeting into a more dynamic, interactive experience.

"The bridge to effective personal finance lies in awareness and accessibility, which is what NetSpend does best."

Preparing for the Sign-Up Process

When it comes to setting up an online account with NetSpend, preparation is key. This phase is not about rushing in, but rather taking the time to ensure that you have everything you need at your fingertips. It helps to avoid unforeseen hiccups that could throw your sign-up off course. The benefits of being well-prepared are manifold; you can streamline your experience and ensure faster access to your resources.

Gathering Required Information

Personal details needed

To kick off your NetSpend account sign-up, certain personal details are vital. These generally include your full name, address, date of birth, and Social Security number. This information forms the backbone of your application and establishes your identity within the system. One key characteristic of gathering personal details lies in the fact that it directly ties into your account security. Accurate details minimize the risk of fraud or identity theft. Furthermore, providing correct information leads you to a smoother verification process, making this step a beneficial choice for anyone wanting to manage finances effectively.

With regards to unique features, when you fill out your personal details, consider that they not only authenticate your identity but also ensure eligibility for various services NetSpend offers. However, mishaps in this area can lead to delays or outright rejection of your application. Thus, it’s crucial to keep this information precise and up-to-date.

Verification requirements

Following up on the personal details needed, we come to verification requirements. This aspect of the account sign-up involves confirming your identity through submitted documents, such as a driver’s license or a utility bill. The essence here is to establish a connection between you and the details you’ve submitted, thereby adding a layer of credibility to your profile.

The verification requirement is particularly important because it protects both you and the NetSpend community. It acts as a gatekeeper against unauthorized access and enhances the integrity of user accounts. You might find this rigorous, but it ultimately serves a beneficial role in preventing fraud.

One unique feature of verification is the potential for delay. Submitting documents that are not clear or properly formatted can slow things down, but ensuring all documents meet specified guidelines can eliminate many issues. This can be seen as a disadvantage, yet it’s a necessary process to foster a trustworthy environment.

Choosing the Right Account Type

Deciding on the right type of NetSpend account is another significant step that can greatly influence your financial management success. You might come across options like prepaid debit accounts or accounts tailored for specific needs, such as budgeting or travel. Understanding what each type offers can put you on the right track.

Account options overview

In terms of account options, NetSpend provides users with a few different paths. The most common option is the prepaid debit account, which allows users to load funds and use the card for transactions just like a typical checking account. Accounts may vary in terms of fees and features, which is vital to consider in your decision-making.

A key feature of these options is diversity. With different choices at your fingertips, it’s possible to find a match that aligns with your lifestyle or particular requirements. However, it does come with the caveat that a lack of understanding can lead to users selecting an account that may not fit their needs, making comprehensive research essential.

Assessing your financial needs

Lastly, assessing your financial needs is paramount. This step involves introspection about what you expect from a financial account. Are you looking to manage savings, make frequent purchases, or perhaps send money abroad? Understanding your motives allows you to align them with the right NetSpend account.

A salient characteristic here is the importance of self-awareness. By clearly defining your financial goals, you can make informed choices that lead to long-term benefits. Unique to this consideration is the ability to adapt your account choice as your financial situation changes, which offers flexibility and control over your money management.

Ultimately, the process of preparing for the sign-up isn’t simply a checklist of tasks; it sets the groundwork for a secure and efficient banking experience with NetSpend.

Step-by-Step Guide to Sign Up

The Step-by-Step Guide to Sign Up is a crucial part of understanding the NetSpend account setup process. This section lays out the rudimentary steps that users need to follow in order to establish their accounts smoothly. It's not just about signing up; it’s about ensuring that you have all the information necessary to get started on the right foot with your financial management. Accurate navigation through this process can save time and frustration, especially for first-timers who might feel overwhelmed.

Properly accessing the online system and completing the required application forms can make a significant difference in how quickly your account becomes usable. Every step, from accessing the site to submitting your documentation, is designed to enhance security and facilitate user experience.

Accessing the NetSpend Website

To kick things off, you need to know how to effectively access the NetSpend website. The first and foremost task is to go online and search for the correct URL to avoid any sort of scam or phishing attempts. One small misstep here could lead you down a rabbit hole of complications. Simply type in the official NetSpend web address, ensuring that it's the genuine site. Familiarizing yourself with the layout can also help in navigating through various features once you are registered.

Completing the Online Application

Completing the online application is where the real action is. It’s the stage that requires attention and precision.

Filling out personal details

Filling out personal details is critical for establishing your account. This will usually entail providing your name, social security number, and address. The significance lies in how accurate this information needs to be; even a minor mistake, like a miswritten digit or transposed letters, could lead to verification issues later on.

One of the key characteristics of this step is its high level of importance for identity verification. Knowing you can trust that your info remains confidential and secure is a popular choice for many who lean towards online accounts.

Every user must have solid reasons for trusting their choice of service, and NetSpend’s focus on privacy can be a unique feature that appeals to security-conscious individuals.

"Accuracy in submitting personal details is vital. A small mistake can lead to lengthy delays in account setup."

Submitting verification documents

When you submit verification documents, you're essentially giving NetSpend a green light to ensure all your information adds up. This may include a government-issued ID, utility bill, or another form of proof that establishes your identity and address. Again, the focus here is on verification, a necessary evil in today’s financial climate to curb fraud and identity theft.

The key characteristic of submitting these documents is its role in securing not just your account but also your financial information. Users appreciate systems that ensure safety through solid verification processes. The unique feature of this part of the sign-up process is that it might seem cumbersome, but it pays off in the long run by providing a sense of security.

It's worth noting that if documentation is submitted incorrectly, it could lengthen the setup process. For users who may find such bureaucracy frustrating, having a checklist or a guide can streamline this whole experience, making it less of a hassle and enhancing your ability to manage finances effectively in the future.

Common Challenges During Sign-Up

When it comes to signing up for a new online account, like that of NetSpend, various challenges can pop up. It’s critical to be prepared for these hurdles, which don’t just waste time but can also dampen enthusiasm. Understanding these challenges allows for a smoother sign-up experience, which ultimately leads to better usage of financial tools. Ensuring that the sign-up gets completed efficiently is key, as every element contributes to the overall satisfaction with the service.

Technical Issues

Website malfunctions

Website malfunctions can be a real thorn in the side when trying to sign up for your NetSpend account. Imagine getting all set to fill out that application, only to be met with a blank page or worse, a server error. This type of malfunction can result from heavy traffic on the NetSpend site or maybe even routine maintenance. It’s just one of those things that can happen in the digital age.

A significant characteristic of these issues is that they are often temporary. You might be eager to jump on this opportunity, but indications suggest patience can be rewarded. These glitches tend to be resolved within a short time frame. Therefore, checking back after a while could be a simple solution.

One unique feature of a website malfunction is the automatic notifications – if you wait just a few clicks, an error message might inform you about the problem. This can itself be an advantage, as it allows you to step back and regroup your thoughts before trying again. However, it's also a disadvantage because it can lead to frustration, especially if you're in a hurry.

Browser compatibility

Another technical issue that can make your sign-up process a chore rather than a breeze is browser compatibility. Not every browser plays nice with every website. This means that if you’re using something a bit out of the ordinary – it could be an older browser or a lesser-known one – you might face some hiccups that impede your progress. Thankfully, popular browsers like Google Chrome, Firefox, and Safari are typically well-supported.

A key characteristic of browser compatibility issues is that they can often be resolved by simply switching your browser. If something feels off or slows down, trying a more mainstream option can lead to a more seamless experience. This adaptability sets browsers like Chrome apart, as they are often updated to ensure compatibility with various sites.

However, the unique feature here is that sticking to one browser that you like can lead to unexpected compatibility issues down the road. It’s a reminder that while comfort is important, flexibility can be equally vital when venturing into online services.

Verification Delays

Understanding verification processes

The verification processes associated with signing up for a NetSpend account can sometimes feel like a maze. This part is vital because it ensures that your information is securely stored and that you’re indeed the person you claim to be. Basically, think of it as a safety gate: it’s there to keep things secure, but you have to pass through it first.

The main characteristic of these verification processes is that they can vary depending on user’s input. Some might only need to validate an email or a phone number, while others could require a more extensive review like verification through documents. This makes being prepared extremely essential, as having the right documentation ready can help in moving things along quicker.

A unique downside is that the verification might stretch out over several days if the details provided aren’t fully inclusive. This can lead to frustration, particularly if you're eager to access your new account.

Tips for expediting verification

To avoid prolonged waits during the verification stage, following specific tips can prove to be your proverbial golden ticket. Meanwhile, one of the best pieces of advice is ensuring all personal details – from addresses to social security numbers – are accurately entered. Little mistakes can lead to delays, and no one wants to sit idly while waiting.

A crucial characteristic of these tips is that most of them revolve around thoroughness. This means double checking your inputs, ensuring you've attached the requisite documentation, and keeping your email open for any notifications from NetSpend.

The unique feature is how keeping track of your submissions can provide peace of mind. This helps you know the stage of your application or highlights if there’s an issue needing your attention. The advantage is sound when you think about how much faster you'll speed through the verification, giving you access to your financial tools sooner.

Post-Sign-Up: Maximizing Your NetSpend Account

Once you've successfully navigated the sign-up process for your NetSpend account, the next crucial step is knowing how to make the most of it. Maximizing the benefits of your account can lead to smarter financial decisions and greater convenience in managing your personal finances. This section delves into fundamental features and tools that are available to you, making your banking experience user-friendly and efficient.

Navigating Your Dashboard

Key features overview

Understanding the dashboard is akin to having the map to a treasure trove of financial options at your fingertips. The dashboard on your NetSpend account isn't just a pretty face; it's the nerve center for all your account management activities. Here, you can view your balance, recent transactions, spending patterns, and more.

One standout feature of the dashboard is the spending tracker. This tool offers insights into where your money goes, helping you shape your budgeting strategy. It’s an invaluable resource that allows you to spot trends in your spending habits which is pretty nifty when you're looking to cut back or sync up your budget with your goals. Being able to customize alerts on spending limits offers a more tailored approach to staying on top of your budget.

Conversely, while the dashboard packs a punch in terms of functionality, it can also be overwhelming for new users. Too many features clumped together may lead to confusion, making the user experience a bit clunky, especially if you're not tech-savvy.

Managing alerts and notifications

In our fast-paced world, staying updated on your account activity is important for effective financial management. The alert settings on your NetSpend account allow you to set personalized notifications for various account activities, including low balance alerts, transaction confirmations, and deposit notifications. This feature ensures you’re not caught off guard by fees or unexpected overdrafts.

Utilizing alerts can be a real game changer. For those who may have busy lives, getting real-time notifications on your phone can nip any financial surprises in the bud. However, it’s also worth noting that too many notifications can lead to notification fatigue. Thus, finding the right balance in the settings is essential to reap the benefits without feeling bombarded.

Setting Up Direct Deposits

Setting up direct deposits is another step that can really elevate how you manage your money. This feature allows your employer or any regular payments to be directly deposited into your NetSpend account.

Advantages of direct deposits

The real kicker here is the convenience direct deposits offer. Imagine getting your paycheck deposited directly into your account without having to stop by the bank or ATM. This not only saves time but also provides immediate access to your funds—often on the same day as payday.

Additionally, setting up direct deposits can also help avoid check-cashing fees and ensure that you're never late on bill payments. It fosters a level of financial stability, making it simpler to budget since you know exactly when funds will be available. That said, one potential downside is that, if you’re not careful about your budgeting, the speediness of access to your funds could lead to overspending.

Setting up your employer for direct deposit

Setting up your employer for direct deposit typically requires filling out a form and providing some information like your account number and routing number. Most employers have a specific process for this, which might include visiting HR or utilizing an online portal.

Getting this process right can make your life a whole lot easier. Your paycheck ends up in your account promptly, eliminating the hassle of manual deposits. However, this can also be a bit daunting for some. If you provide incorrect information, it could lead to delays in your funds reaching your account. Plus, you’ll want to confirm with your employer once it’s set up to ensure that everything’s running smoothly.

In summary, maximizing your NetSpend account hinges on understanding its tools and features, from navigating the dashboard to setting up direct deposits. With these capabilities at your disposal, you’re well on your way to achieving better financial management.

Understanding Fees and Costs

When it comes to managing your finances online, having a clear grasp of the fees associated with your account is crucial. Understanding fees and costs related to a NetSpend online account helps ensure that you’re not caught off guard by hidden charges that could chip away at your balance. Beyond just knowledge, it empowers you to make informed decisions that can positively impact your financial health.

Key Elements of Fees and Costs

The landscape of account fees can often appear like a maze to the uninitiated. Breaking it down into digestible pieces can help you navigate more smoothly. Generally, two main types of fees surface when discussing NetSpend accounts: account maintenance fees and transaction fees. Each one has its own quirks and implications for users, which I will delve into.

Account Maintenance Fees

A point of contention for many users, the account maintenance fee is an ongoing cost that can accrue monthly. For some, it can feel like paying a membership fee without the perks that come with it. However, it's essential to recognize that these fees can vary, depending on the specifics of your NetSpend account.

Why They Exist: Account maintenance fees typically support the infrastructure of the service. Think of it as a way to cover operational costs, including customer service and account management.
How to Avoid Them: There might be ways around these pesky charges. For instance, certain conditions tied to your account usage may allow you to waive this fee altogether. One common example includes maintaining a specific minimum balance or setting up direct deposits at regular intervals.

Account maintenance fees may seem minor on a month-to-month basis, but they can stack up, like the snowball effect, if you're not careful. Keeping track of them ensures that you're aware of how much of your hard-earned cash is being siphoned off.

Transaction Fees

Transaction fees introduce another layer of financial responsibility. These fees are typically charged when you use your NetSpend account for various transactions, such as ATM withdrawals, point-of-sale transactions, or even when reloading your card.

Types of Transaction Fees:
Best Practices: To limit these fees, it's advisable to utilize ATMs that are part of the NetSpend network. Moreover, consider conducting as many transactions online as possible, where fees are often lower or nonexistent.

ATM Fees: Withdraw from an ATM that isn’t part of the network associated with your NetSpend account and you might incur a fee.
Purchase Fees: Some retail outlets may impose charges when you use your card for payments. This can catch users off guard if they aren't aware.

"Knowledge about fees is as crucial as any investment strategy you've got. A penny saved is truly a penny earned."

By proactively engaging with these costs, you set yourself on a path not just to savings but also to a greater understanding of your financial landscape.

Security Measures for Your Account

When it comes to managing your finances online, security can’t be brushed aside. The Security Measures for Your Account play a pivotal role in safeguarding your sensitive information and preventing unauthorized access. With the rise of digital banking, understanding how to protect your account can be the difference between peace of mind and financial chaos. Implementing the right strategies could not only enhance your control over your finances but also provide reassurance amidst the uncertainties of online transactions.

Protecting Your Login Credentials

Protecting your login credentials is akin to locking your front door. You wouldn’t leave home without securing it, and your online accounts deserve that same diligence. This entails creating robust passwords that resist the temptation of easily guessed phrases or common patterns.

Utilizing a mix of uppercase and lowercase letters, numbers, and symbols can greatly improve your password's strength. Avoid using easily traceable information such as your name or birth date; instead, think outside the box.

Additionally, consider enabling two-factor authentication (2FA). This critical step adds an extra layer of security, requiring a second piece of information beyond your password. It can be a code sent to your mobile device, which significantly curtails the likelihood of unauthorized access, providing an essential safety net for your account.

Monitoring Account Activity

Keeping a vigilant eye on your account's activity is vital. This practice can help catch suspicious transactions or unauthorized access quickly, minimizing potential damage. Regularly reviewing your account not only allows you to understand your spending habits but also serves as a proactive method of protection.

Setting up alerts

Setting up alerts is one of the more practical tools available for account monitoring. They can notify you immediately of any suspicious activities, such as large withdrawals or transactions that don’t fit your usual pattern. This immediate feedback creates a safety net, allowing you to act quickly if something seems amiss.

The key characteristic of these alerts is their customizability. You can tailor them to your specific needs, ensuring that you are only notified about what truly matters to you. This makes alerts a beneficial choice for financial management, as you maintain control over the information you receive.

A unique feature of setting up alerts within your NetSpend account is the ability to receive notifications via multiple channels - be it email or text messages. This versatility means you won’t miss important alerts, keeping you in the loop about your finances at all times. However, it’s crucial to balance this with the risk of notification fatigue, as receiving too many alerts can lead to desensitization over time.

Reporting suspicious activities

Reporting suspicious activities is equally important as monitoring them. It empowers you to take immediate action if you spot anything unusual. The characteristic of this process is straightforwardness; the quicker you report, the faster the support team can help mitigate further risk.

This option is a popular choice for users concerned about security because it fosters a sense of community vigilance. If account holders report inconsistencies, it can lead to improvements in security measures and better protection for everyone.

A unique advantage here is the potential for loss recovery. Reporting suspicious activities as soon as they are identified increases the chance of salvaging funds or reversing unauthorized transactions. However, it’s essential not to jump the gun; careful examination should accompany your initial review to avoid misreporting regular transactions or activities that might seem unusual but are entirely legitimate.

"Security doesn’t come from a single measure; it involves a layered approach that adapts to your needs."

To sum it all up, safeguarding your NetSpend account is an ongoing endeavor that integrates strong password creation, consistent monitoring, and prompt reporting of any irregularities. By embracing these security measures, you empower yourself against potential threats and ensure that your digital financial management remains secure.

Customer Support Resources

When it comes to managing finances online, having a solid support system in place is crucial. Customer support resources can make or break a user’s experience, especially for those who might not be tech-savvy or who are new to digital banking. NetSpend understands this necessity and offers a variety of support options designed to cater to users’ needs. From direct support through customer service representatives to informational resources like FAQs and community forums, there's a wealth of information available to assist users at any point in their journey.

Ensuring a positive experience with the sign-up process and account management requires access to reliable support resources. These resources not only help users navigate any bumps in the road but also empower them to make well-informed decisions regarding their accounts.

Contacting NetSpend Support

In today’s fast-paced digital world, immediate assistance is often a priority for users. NetSpend allows users to contact support through multiple channels, including phone, email, and even chat options on their website. One of the key advantages of having real-time support is that users can address issues promptly before they snowball into larger problems. Furthermore, representatives are trained to provide clarity on account-related queries and overall services, enhancing consumer confidence.

A user-friendly phone line is particularly beneficial; it connects users directly to individuals who can guide them through their concerns. Having these touchpoints instills a sense of trust and reliability in the services provided by NetSpend, ensuring customers aren’t left in the dark when troubles arise.

Exploring Help Resources

Answers to Common Questionss

The Frequently Asked Questions section is a staple of customer support resources. This section provides a streamlined way for users to quickly find answers to common queries without waiting for direct support. One of the most noteworthy characteristics of the FAQs is its convenience. It’s accessible 24/7, meaning users can seek answers at any time, whether in the middle of the night or during a busy workday.

By addressing common concerns, the FAQs contribute significantly to user experience. They often cover topics from sign-up procedures to managing fees and can alleviate users' hesitation before they even try to contact support. Frequently, this section is a beneficial choice as it allows users to empower themselves independently, resolving issues without the need for back-and-forth communication. However, they may lack specifics for unique situations, leaving some users wanting more personalized feedback.

Community forums

Community forums offer another layer of support, allowing users to connect, interact, and share experiences with one another. These forums are typically characterized by their collaborative nature. They provide a platform for users to ask questions, share tips, and provide solutions based on personal experiences. This peer-to-peer support can be particularly helpful for users who might feel intimidated by traditional customer service lines or those seeking advice outside of typical support hours.

The unique feature of community forums is the diverse perspectives that come from a wide range of users. This can lead to more varied solutions than one might find in a direct support setting. The downside, though, is that answers may not always be credible, as they come from fellow users rather than trained staff. It’s essential, therefore, for users to approach the information gleaned from forums with a discerning eye. Still, the collective knowledge shared in such spaces can be invaluable for fostering a sense of belonging and support among NetSpend users.

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