Absolutely NO Customer Service A chaotic and supremely poorly run business and NO customer service. Ever. From the beginning it was a nightmare: software glitches in the website/app that first prevented registration and then rejected transfers, no customer service to resolve it. And I mean NONE. You cannot speak to anyone, let alone a human. You have to hunt for online chat, then it's a 'bot. After several standard form responses, you're informed you can online chat to a real person online; wait is minimum an hour. Then that person is almost laughingly poorly trained, says they don't know, says call a number. You call that number, minimum wait one hour. They say they'll call back the next day. No call from them. Days later, an email that they decided it's "better" to use online chat, even though that failed six times. Then they charged me for months of a card/account that I could not use and sent me daily emails telling me I'm overdrawn! On an account that I cannot use because of a technical issue on their end! Packaging of the card is stylish, almost joyful. Good idea to make cards different colors from the standard debit/credit card to stand out in your wallet. But good at doing the very basics of opening an account and transferring money? Beyond incompetency. I finally cancelled the account. They cannot even manage the basics; I would not trust this company with a penny of my money. I would give it a negative star if I could.