Fell in with these guys because I was going to school and my grant money came to this card, so I started using it as my primary and only bank afterwards. I have 17,000 dollars in my account, and owe 3000 to the IRS. I cannot pay them because First Carolina won't let me access that much of my own money at a time. I am currently driving one hour from my mountain home right now to open a bank account at a REAL institution so I can transfer that money out of their hands.. which they have no problem doing all at once, it's only when it helped me that it became a problem. Not to be trusted. read more