<prompt> Human: I suppose Ill start by giving the quotes from the website. Making purchases: Choose credit not debit when checking out. because thats the way the processing network works.Avoiding cash equivalent transactions: Sorry, but you cannot use your card for cash equivalency transactions e.g. ATMs, Western Union.apparently there are some ATMs I can use, but they seem to be telling me here that I cant use any? Im not really sure why they contradict themselves like this. I also cant pay for gas at the pump and restaurants can authorize 20 over the food cost to cover the tip. Also, Im wondering if I can switch to direct deposit? It seems like my employer isnt wanting to process it. I submitted the direct deposit form that my bank gave me when i opened the account when I first became employed, but they didnt do anything with the form, I was mailed a payroll card and I still am paid via the card. Im under the impression that I can switch to direct deposit, how can I be more firm about this?  <response>: Yeah dont use the useless card, just go to the bank that issued it and cash it out until your employer processes your direct deposit request. Watch out for fees as those card usually have a bunch of gotcha fees. 