Mem Rewards is what my statement says that dipped in the till without permission.They say i signed up for this rewards program when i had made a purchase back in may of 2009. They took 36.00 from my net spend debit card 6 mo. later and i had never used this service and am sure i had canceled this kinda thing. They said it would never happen again if i pay 14.75 to put a cancel on this account. No refund and i was forced to cancel out this debit card because i can't trust loading funds on it anymore. WATCH OUT for any rewards programs fine print or such.