Initially, local tests at various businesses were successful. Later, out of state, it stopped working, even though funds were available. Also, to cancel the account, the site requires either a call or an email. See image... not what you'd expect from an online financial service. Card was for child going to an out-of-state sports competition... not a good situation when it failed. I could give several other reasons, but these were enough for us to cancel. Don't bother buying this service. Just go to your nearby credit union and try opening a new account, for free, as we did. You can move funds easily and track usage. Best of all, it works in any US state. Our CU also provides security options, and services that warn of and pause the account if they identify potential theft.