you can back the virtual wallet with a business line of credit for overdraft and it brings the min transfer from $1K to $1. This in itself makes it the cats meow in my book. the bill pay is very simple and nice, electric pays are the next day. just got back from europe, ripping 200e out of an atm cost $220, they dont appear to make a dime on the exchange conversion and they credit back $ 5 for each foreign use, I think 2x monthly. its n/c if you are 62. teriffic customer service, chat from the portal, the growth fund had a nice % the last time I looked. pretty slick if you ask me
