Nothing on the card package informing you about the hoops & loops you have to go through to use the card. Even though at the register your money locked into the card. You have to log in on a Desk top only. If you do it over your phone it locks you out of the account. Called customer service 4 times in 5 hours trying to figure this out. If you can not log in online you have to send them your id, social security, and a utility bill. Really? I had to opt to making it a gift card & not debit card. I was told it would still work online. It did not... after we could not make it work I asked for a refund. Guess what 3-4 weeks to get your money back & they charge you 9.00. Really? -5 stars for this card. Should be off the god damn shelf if you ask me...