Terrible company. They allow you to use your charge card when you are short on funds in your checking. Most other card companies decline the card. They'll allow it to go through just to charge you an insane $22 fee per charge. I bought an item for $5 when I had plenty of money in my checking at 6am in the morning. The next day I purchased an item, thinking I had enough money in my checking to cover it. I was short $14 dollars. This was after noon. The next day the purchase for $5 hit my account, 2 days after I bought the item and they charged me a fee of $22 for it!! WTF?!?! I was hit with $44 dollar fee?!?! User's recommendation: I wouldn't recommend this company at all. I'm closing my account asap.