Had this card for quiet awhile and to this day I have yet had a problem. Boyfriend had this card first and recommended it. Since we live 200 miles away from each others I like that we can to transfers to one another anytime. Every time called the 800# my questions been answered and staff very professional. The only down part was when I got my tax refund I couldn't "cash out" at Wal Mart like the app and website states that you can up to thousands of dollars. So I went to ATM which was free but limited as to how much you can take out. I don't do direct deposit to this card. I find it easier to cash my check, pay bills then and add money to the card since the bank and Wal mart are near by. I have had the gas station authorize for more then what I paid but like the reviews above find a different gas station who doesnt put a hold on it or deal with it. What I do is put a greater amount or some to the SET ASIDE account that way if i gas up and it takes more then what i wanted i can transfer between the main account and the set aside account.. ALL WORKS OUT!!
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It's hard to use a card you can't load money on. Don't bother as it's been more of a headache than it could ever be a help!