I have had an account for two years. Suddenly Money network takes it upon THEMSELVES to upgrade my account. In order to do this they put a HOLD on my account. This was a month ago. They kidnapped my paychecks. After faxing my Id and info Numerous times they would not release the hold. Apparently nobody works there to help me. I just emailed that they send me a check and close the account. User's recommendation: Do Not Use Th m!!!!