There reviews have to be fake to have an overall rating of 4.7 there a trash bank you have no access to cash of you want want to make a big purchase whenever you feel like it they claim they can't raise your card limit it's nearly impossible to get someone on the phone when you need to I wouldnt recommend them if they were the last damn bank there was do yourself a favor and go-to green dot or chime they let you have your money when you want and they don't have garbage limits