I think they try to get around this by allowing you to 'preload' your account. What they've built is an electronic checking account. I only write checks to pay

I think they try to get around this by allowing you to 'preload' your account. What they've built is an electronic checking account. I only write checks to pay my rent and I don't carry cash. If I had to get cash, I couldn't. I don't know the pin numbers to my debt or credit cards. This is something I would use if I knew more people accepted it and I didn't have to divide transactions between a credit card and this. I'd miss the cash back on the CC side though.