I was told my account allowed free transfers. Attempting to do so I learned only to accounts within your bank. My payroll card does not have check cashing abilities. I am on loa & part of my std payments are in check needing to cover a bill pay withdraw on another account while bed ridden was the time if this discovery. Please train on the specifics of your options as I was not happy to be digging up change to load on my paycard when I needed to be resting from my surgery's.