For any consumer who uses online banking services for debit cards I would like to warn you about the company "NetSpend".
If you elect to use their services, please do not go with the Direct Deposit option. They have an outomatic overdraft protection plan that gives them the option to raid your accout of funds for any overdrafts.
They are counting on disabled government benefits receivers (Especially those with mental illinesses or dementia), who only have one amount of money to make it through the month. There is no option to opt out for direct depositors to their overdraft protection plan. So, if any benefits receiver runs out of money on their last purchase or forgets that there is no funds on the card, an overdraft can occur.
For this overdraft, say $0.16, if the overdraft is made on the 5th of the month, by the time their next check is deposited the fees will run easily to $45.00
For any disabled government benefits receiver this is a set up to rob you of your money. Yes they give you 10 days to come up with the $5.00 it will cost you refill your account to avoid penalties. An amount of $10 would cost $14.00. If you have no family or friends to turn to you will get screwd.
Donald
Memphis, TN