DO NOT OPEN A SPEND ACCOUNT!!!!!!! Their system is constantly going down and now they're holding my money hostage. Can't transfer the money out. Can't swipe my card. Can't do anything and my entire refund is just stuck there. After a quick Google I found this is quite common. I will be w/d my money when they system comes back up and will never use this service again. It's not worth this. I called customer support and got NO actual assistance. I'm so mad and annoyed!!!!!