The card works fine and there’s not that many fees. To be honest, you better hope and pray that your card doesn’t get damaged, lost, or stolen. My card had a small tiny little scuff mark on the magnetic strip and it wouldn’t work anywhere. When I went to Walmart to take the money out while I ordered another one, they said the only way to take money out was by swiping. I told them the situation about the damage on the card and asked if they could do a manual entry of the card information, I had my ID and everything. They said no, they can’t do a manual entry. So when I asked what am I supposed to do, as far as money wise since my money was on that card, the lady just shrugged and said, “I don’t know.” I called the number and asked to replace the card, asked if they expedite it and they can charge my account, they said I had to wait 7 business days for my card. I ordered my card last week Thursday, it’s Friday today and the card still hasn’t arrived. I’m sure I’ll be going through the weekend without any money again. I just find it ridiculous how you can’t access your money without a functioning card. Even though they give you an account and routing number, you’re S.O.L. Funny how it works very easily when you wanna deposit money, but they make it difficult when you wanna take money out. On the bright side, I’m saving money since I haven’t been able to access within about two weeks.