I've had this card for over 10 years. I got it back when I couldn't get a bank account. It came with a checking and routing number once i got the permanent card in the mail after getting the temporary from the store, which did help me pay bills and receive direct deposit from my employers. Back then some places accepted prepaid payment methods. Now because all of the scams that took place where these types of cars were used to do so (not by me of course) no one accepts them anymore. I use this card to receive my annual IRS refund because the text alerts keep me informed and I love that about this card. What I don't like is that I can hardly use it anywhere. Like for travel. No rentals no hotels. I travel quite often. Monthly actually. Fraud is my biggest issue with this card. Every few months I'm needing to replace my card because somehow strange charges accrue on my account. The moment I'm asked if I recognize these charges (via text alert) of course I say no and immediately my card is frozen. Money caught up, no chance to pull out cash or anything. If I say yes I lose the money. If I say no, I lose the money. How Cruel is that?!? Then, talking to the fraud department there's a long hold time, they want you to fill out forms and mail them in...AND it takes 10 business days to get another one. Who knows what needed to be done in that 2 weeks time. AND AND if you want it sooner, you gotta pay them! Can you believe it? Walmart is a cruel company. We all know this. I try to have a few bank accounts for a little financial stability but this card is on its way out the door. I can't keep losing money then spending money to have my money. It's modern day torture. Maybe I'm a bit dramatic but these are issues that I know I'm not alone on. This type of card is not designed for long term use if you're not a teenager. Use it as a normal disposable prepaid card or live through my struggles.