They stole money from me. I've gotten to a point over the last year where I no longer needed to use it. Well I guess that was unacceptable to them because THEY decided to give me cash out AND apply a tip that I didn't authorize. They claim my acct was below $100 which is a COMPLETE LIE and the balance shield kicked in and automatically cashed out. Refused to fix the problem. No customer service. I have to spend $30 to stop payment because they stole my money. Be careful with these thieves.