This card is, by far, the worst card I've dealt with. The ATM they were using that charged no fee are no more. You can't transfer your money to a REAL bank to pay bills. (In order to do so; you get hit with fees) If your trying to build credit you can forget it with this card, because no cc company accepts this card or "Bank" as they call it. Green dot is just a terrible excuse for a card that coerces you to spend even more money than you already have to.