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Publication 15 (2014), (circular e), employer's tax guide, Treating employees as nonemployees. you will generally be liable for social security and medicare taxes and withheld income tax if you do not deduct and. Top 1,505 reviews and complaints about netspend, I've had my netspend card for probably 7 or 8 years. in terms of the process, it makes no sense to have to pay to load the card when i utilize the direct deposit option.. 318 netspend complaints and reviews @ pissed consumer, Netspend keeps my disabled veterans compensation. every service connection check that i had directly deposited into my account had to be traced..