[IkmoIkmo]

True, although they did waive the $15 fee for these early-birds, and of course the product is completely optional. You can say no thanks whenever you want. I also wouldn't say THEY decided. You can't create your own debitcard, well you could but no merchant would accept it. You need a partnership with an existing network, they have one with VISA, which means they had to negotiate terms on a card and this is probably the best they could come up with given they're a relatively small unproven company in the debitcard space. Although it was naive and sloppy to not have communicated earlier that it'd be unlikely to be able to negotiate a completely free card with a partner like VISA, sure.