They are not legit. I’m on day 18 waiting on a debit card. Claim they had a large sign up and the card maker is behind. Must think I’m 20 years old or something. | I been banking since ATM cards. No such thing as back up on .05 cent cards. None of the features work. Choice Bank owns the accounts. | Forget about trying to link through your local bank. Funds are trapped once there. Worst of all their horrible story tellers. I’m warning people before they lose their money.