Do NOT open a money spend account or any other account with this company!!! They take complete control over your money. They change the withdrawal limits and whatever they want at there discretion!!! To rediculous amounts!!! I had my tax refund deposited to my money spend account. The first day it locked up my card completely after I withdrew $500!!!! Apparently that was my daily limit. So the next day I was suppose to be able to use another $500 right??? NOPE!!!Now $500 limit per 7days!!!!!