Originally Posted by ttlmmky

Nope, they won't excuse these cards from the fee. In practice, you'll be loading 2k and 3k on the two AFT cards, respectively. So you'll require approximately 25 withdrawals every 2 months. 4 of those will be free of fees (2 per card) so you're looking at about $63 in fees every two months to withdraw and $30 every 2 months to load up ($3 per thousand). I round up and assume a 1% fee all around (1% of 10k is $100 so I'm close)