If you're like me and avoiding unnecessary exposure to indoor crowds, when you can get it delivered to your door, during the pandemic; this card is not for me, because you have to go into an enclosed environment (Walmart) to withdraw money. You need a smartphone to do important security changes like your "pin", you can't do it any other way. I don't carry my phone with me in the car anymore, since my friend got 6 years in prison for texting while killing someone running across the street (not in a crosswalk). So this card forces potential unsafe behaviors.