SCAM! DO NOT USE THIS CARD! if you have a large amount of money in the account you can NOT get but $3k total out per month unless you close your account. They say they will send you a chk. I've closed mine 3 times and waited 3 times for a chk never received it. I managed to find loopholes to get all my money. I'm still getting charge monthly fees on a supposed to be closed account. You can get nowhere with customer service. I've learned a valuable lesson. DO NOT USE THIS CARD!!!