Getting a bank account these days can be easier said than done. Many make it difficult to open an account and some charge crazy fees to keep it open. NetSpend lets anyone have an account and it's easy â€” just sign up, get a card and start using it. Adding funds is just as simple. Cardholders can use direct deposit for paychecks or use the NetSpend App to deposit checks with the click of a button. Best of all, the Pay-As-You-Go Plan is completely free.