I think a missing question might be 'how much can you afford to see locked up for 30-60 days'. Many MS vehicles end up getting .... down and sometimes you have to wait for your money. Netspend was very popular before Bluebirds but many if us saw $10,000 locked up on Netspend accounts while they ran their risk and fraud ........ before sending a check. The impact of $10k locked up on a debit card is no big deal to a multi-millionaire; or the end of the world to a poor college freshman.