This place is a rip off. They charge you for EVERYTHING! It charges fees for everything. I tried to close my account and have my money returned to me and that didn't happen. When I went to check my balance I had a ZERO BALANCE, and was told it was taken for account maintenance! What the hell! This place is so ridiculous. And just try to get someone on the phone who speaks fluent English! Run from this rip off company! It's funny I was never charged a maintenance fee as long as I was using this stupid card! It doesn't deserve any stars at all!