No bank account? No big deal! NetSpend serves the wide community of consumers who prefer other methods of handling their finances or simply don't have an account for other reasons. Just plug in your name and address (seriously, that's it) and they'll send you a personalized NetSpend Prepaid Debit Card that you can use just as you would regular credit. NetSpend takes the guesswork out of money management, allowing you a quick and easy method of direct depositing, bill payment and budgeting ' and in this spend-happy day and age, that could be just what you need to set you on the path to a better (read: less broke) future. Best part? No interest charges or late fees.