Disappointing. Saw the good reviews (4 stars) and investment opportunities and thought it would be good to set this up. But it has been a bad experience from day one and we havent even used the card yet. The id verification process is bad and unreliable. My husband and I have lived in the same addresses for over a decade yet he had no problem opening an account and I was rejected based on false geography exam. The card set up experience, also poor. If it gets better I will change my review.