I've not used it for a while but I definitely had more than $2.5k at some point so maybe the rules have changed... but that said I rarely keep a balance and would typically load $1-2k and then BillPay out. Technically you can BillPay yourself and I did this a couple of times (sent a check to my wife at my address) but frankly with the ability to BP the funding credit card there was no real need. I did also BP a few "real" bills.

The monthly fee you also used to be able to avoid by having no money in the account around the start of the month but they fixed so that whenever you load money it takes out the current month fee if due. It does not seem to go back and back-charge for all missing months though of course they could get smarter on that in due course too.

While it's pretty much dead to me now (unless I can pick up some Reloadit's on my travels) this card is the card outside of BB I managed to put the most MS on without shutdown. Every other card got shutdown somewhere in the $5-20k range for me