My employer used this banking service because it was fast and convenient. Little did I know, this decision would be costly. In the past 5 months, this company has taken 60.00 out of my account for monthly 'maintenance' and 'fees.' In addition, the customer service is poor- the service representatives are misinformed and know very little about the product. Word to the wise: I do not suggest banking with this company, if you have an account, do not loose your debit card! Without a debit card, you CANNOT MAKE ANY TRANSACTIONS. You have to wait 2 solid weeks. So, if you are in a situation where you really need your money, you are just out of luck. It's a shame that businesses like these can survive and prosper while taking advantage and misleading customers.