Kinesis is probably a GREAT deal, especially when the Visa debit cards are issued. Am wondering about the fees that might be charged with JUST having the card. I think I would begin using it even more than my present bank account, considering the yields potential. Is just a pity that the plutocratic US government has blocked the best feature for its non-wealthy citizens. I saw this eye-opening Kinesis video featuring the power of fiat paper versus gold. Kinesis Money conducted a social experiment in the UK, attempting to pay for goods and services in restaurants and stores with actual gold or silver. Here is what happened: https://youtu.be/HzXG7HQy1GU