• When you first open your account, you are immediately issued a virtual debit card. • Because it is a virtual card, you can immediately start using it through online purchases, however, of course, you must deposit money into the card, as it’s linked to your account. There are no fees for issuing the physical card. • To use the card online, before receiving your physical card, click on the “flip” option at the top right corner of your card on the app to reveal all details needed to buy online.