After further review of the fees, it seems Netspend will nickel and dime you to death, may not be worth the convenience of being able to transfer funds between users.... Pay-As-You-Go Customers Signature Purchase Convenience Fee $1.00 PIN Purchase Convenience Fee $2.00 Card Fulfillment (Shipping & Handling) FREE Fee Advantage Customers Monthly Service Fee $9.95, billed on cardholder"s cycle date Signature Purchase Convenience Fee FREE PIN Purchase Convenience Fee FREE Card Fulfillment (Shipping & Handling) $9.95 Other Fees Adding or withdrawing funds to your account at local distributors Convenience fee determined by distributor Account-to-Account Transfer — Via Internet FREE Account-to-Account Transfer — Via Toll Free Number $1.00 Account-to-Account Transfer — Via Live Agent $4.95 Non-Monetary Transactions -- Via Internet FREE Non-Monetary Transactions -- Via Toll Free Number Up to $0.50 Non-Monetary Transactions -- at ATM Up to $0.50 Account Maintenance (waived if account has debit or credit transaction and/or balance inquiry within 90 days) $5.95 per month Check or Additional Statement Mailing Fee $5.95 Domestic ATM Cash Withdrawal / Cash Withdrawal at Distributor Up to $2.50 per withdrawal, plus ATM owner fees, if any ATM Transaction Decline Fee $1.00 International ATM Cash Withdrawal $4.95 per withdrawal plus ATM owner fees, if any Lost or Stolen Card Replacement Fee Up to $9.95 --------------------------------------------------------- That's a lot of fees