Can spend your money and can't even send it to another bank money just dissapears permanently. I use this as my payout method for doordash and whenever you try to use card it says pin incorrect which I know for a fact its not and then you try to run it as credit instead it just says over credit limit. I work for doordash just to receive money thats as useless as a rock. Can't pay my bills cause of this bs. Thanks alot.