Excellent card to use and the service is excellent 👌 until I did direct deposit of my whole check reason why I did was because they offer up too 200 fee free over draft which sounded excellent to at the time I only had 200 deposited in my card until I decided why not the whole check because my spot me is only 40,so I went ahead and did the whole check to up my fee free over draft spot me to go higher well that didn't happened,it depends on how often you use the card.