no problems with it.. have used it 3 times. can even use at at stores.. and can have winnings from other books wired to it like a checking account. fees are ok.. cheaper than anything else.. you get hit with a 2 dollar charge from pan am every time at the atm plus the 2 dollars from the ATM.. so u always gotta withdraw weird amounts to have enough to cover the fees at the ATM.. ive had no problems..i think its great
