This is a completely ridiculous institution! The customer service is the absolute worst I have EVER experienced, that is if you can even get through to them after being on hold for upwards of 30 minutes. Chat support is no better. And don't dare dispute a charge, if you do YOU get punished by getting your card shutdown I'mmediatly and you will have to wait 14 days for a new one and any attempt to transfer funds are rejected on their end I cannot tell you how inconvenient and frustrating it is