If I had a choice, I would take my business elsewhere. Being that they are in charge of my Flexible Spending account, I am stuck with the. I like the fact that they fully load the card as of January 1. Their customer service skills are a different story. Called when my card was declined and was given a BS answer. Don’t you know that when I called a special number given to me by my HR department, I got the low down, although with a major attitude. Next time I let HR do all the work.