Went to withdraw my weekly payroll load off the card less than a hour after if was deposited. Said insufficient funds. I checked online to see what the problem was. Low and behold somebody wrote a transcheck for full amount of my pay. It wasn't me or anyone I gave authority to use my account. Just like that gone. I call right away customer service. I get a foreign speaking woman go figure. That says oh we are very sorry that happened we will refund your money right away and send a new card. Well guess what? I get a new card in less than 24 hours. But no money. I call back, now im told that I have to fill out paper work and wait up to but not limited to 90 days for them to investigate whether or not I get my money. Are you kidding me? What kind of bank lets anyone probably not even in this country write an electronic check from my account and get away with it. Then can't even track it. I call *** This whole company is a joke. I had a witness on phone when I called and they said no problem we will refund your money asap and I recorded the phone call. Now they are reniggin. Sounds like time for a lawsuit. Do yourself a favor don't use this card for any banking. You will regret it. User's recommendation: Don't use for any banking unless you want money stolen 0 security.