Update by user Apr 24, 2013
I sent a letter to MetaBank and received no response. I am not surprised because the whole idea behind their program is to sell the cards at face value and then make them impossible to spend.
They make huge profits on unspent card balances that accumulate. MetaBank sucks in my opinion.
Original review posted by user Mar 24, 2013
I received a $100 MasterCard Reward Card (Debit) as an incentive. Based on previous experiences with reward cards, I know that in order to spend them online, you have to access the card online and change the address to match yours. Without doing that, the card will be declined every time.
The issue is that access the card online is a labyrinth with no way out. There are few option on the website and it appears designed to enrage the user. Checking the card balance is also impossible on line.
Calling them isn't much better as their support people (if somehow you accidentally get one on the phone) haven't a clue how to help you. There is no direct way to speak to someone, you actually have to stumble across a back door to get a live person.
In my opinion this whole program was carefully designed to suppress use age of the cards. I would not be surprised to find that the companies who purchase these get a hefty discount because MetaBank knows that they have a low redemption rate.