The illusion of getting a RAL & being able to spend it is ridiculous. Set it up as instructed & still had to call in 3 separate times before the virtual card would stop declining everywhere. Nothing but headaches. Don't even bother trying to use the 'find ATM' because NFC ATMs which the app points out will get declined. To transfer funds to a real bank takes 3 to 5 days. What's the point in waiving an advance in our faces only to make it impossible to spend? Can't wait to close the account