I have had this card for about 6 years now. Great alternative to banking. I have never had any problems with the card or customer service. It is AMEX so not all merchants or online bill pay will accept it, however, the overall value is worth it. I have 2 traditional credit Mastercards to cover anytime a merchant won't accept my AMEX. No fees at all unless I have to use an ATM that is not MoneyPass. I like the fact I can write checks as well. Makes paying my mortgage on my house easy. All in all, one of the best values in preloaded cards out there in my opinion. A lot of the "negative" reviews are just ridiculous-take into account that a good majority are "anonymous" that should tell you something. A good card from a great company. A+ AMEX customer service that is 24/7/365.
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I have been a very loyal customer for about 5 years. Direct deposit, Walmart reload, etc always great. Even had a few times that I went over, (still trying to figure out how that happened), and they covered it and I turned around and had it covered and put me well back into the positive. Last year I was arrested and spent 10 months in lock up and I have SOLID proof. My ex, who was not on the account ANYWHERE, illegally used my card and spent about $325. I got out in April and found this out and started the dispute process immediately, faxing everything that they asked of me. The declined my disputes so now I am out $325 and they refuse to do anything else about it. They are covered by FDIC and that insures me and them against illegal activities. Instead of doing what is right, they went ahead and closed my account without my permission, sent me a letter stating that PER MY REQUEST it was closed and then sent me a check for $0.88. REALLY???? That is an insult. And to think that I just got through talking my daughter and her boyfriend into getting the card so that I could send money to her free and easy. NO MORE.