Literally the worst prepaid card ever. I had put $395 on card to pay a bill, downloaded MyVanilla , got it all set up and was never able to log in again. Called to make my bill payment for $385 and it declined with insufficient funds. Tried to get into app to no avail, tried calling customer service, not able to get through so thankfully my car loan service kept running the card until we got to the amount that would go through. $380 finally was the winner. Well my question is where did that other $15 go? I added up all the fees and could not get any where near the fees associated with not having made any purchases with it yet. So the card I just received in the mail with my name on it has already made it to the trash! I highly recommend no one gets this card. I also live in a small town and spoke with management on where I purchased the card and suggested they rid themselves of these cards. I surely hope they do. Netspend I used to use years ago and they were great. I highly recommend Netspend!!