Yes, if you elected your refund be deposited on your NetSpend card then, it will come but no money will be on there until the IRS or State actually issues your refund. It typically takes about 7-10 business days for your NetSpend card to arrive.
The IRS states that most refunds are received within 21 days from the time a return has been accepted and a refund option is selected. If your Federal return has been accepted please, wait 24 hours before looking it up at Where's My Refund? However, the IRS will hold the refunds claiming EITC and ACTC-related returns until Mid-February.
Here's the contact information for the NetSpend card: 1-855-646-8848.
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