$5.99 per month fee on to of startup charges. That's more than most credit cards. There are no in-network ATM's, so you must pay a fee to the ATM operators, too. They do not inform customers of the $100/day withdrawal limit. I had my kids save their allowance for a PlayStation 4. In order for the two of them to get $150 each to give me to make the purchase, they paid a total of $20 just in ATM fees. Customer service was useless, just repeating the same line over and over on how that was the way it is and there were no remedies available. I'm switching to Busykid!
Bottom Line: No, I would not recommend this to a friend