This could be a good debit card and not a rip off. I don't have one and I don't know anyone who does. I am hoping someone will post that info. I think of those telephone minutes cards....some are a total rip off like 1 cents a minute but theres a 1.00 connect fee etc. Same with debit cards. Some people need them to get by and a good one will be good for the consumer and shareholders. If the enthusiasm is down here and we see the 1's and a PR comes out there will be hype buying. Thats what I was thinking about and thanks for your opinion because your always honest and tell it like it is no matter what.