I purchased the Debit card in January and intended to use it as a gift later in the year. I called 5/10/2013 to activate the card. I was told that my $100 card was now worth $82.15. Apparently their maintenance fees begin the date you purchase the card, not the date you activate it!. I still can't find that declaration in the Terms and Conditions. They absolutely would not relent and restore my original balance!