I have had and been using time for my direct deposit every month. My spot me has never changed from $20 even though the commercial says you can get up to $200. Like I say it's been over a year that I've been using this card and now that it's about time that my spot me goes up they deactivate my spot me saying that the deposit needs to be over $200 once a month and it is this card and bank is very disappointing and would not recommend to anybody!