Yes, I did some DD on these types of cards or banking yesterday after emz said green dot is part of 02 usa cards. The fees are really similar but again I can't see why someone would wait 10 days to recieve this card and pay 5 bucks more when green dot cards are right there in the store. The instructions on the 02 usa website says to load the card with cash go to a green dot location and follow their instructions which charges like 3 bucks to load cash. They all have free direct deposit but I don't see many folks going thru this type of card or banking for direct deposit. Those folks use traditional banking where there are many that don't charge fees for anything with a checking account. My conclusion came to Val better have some damn good promotions and advertising set up because there is stiff compition out there for this type of banking.