Originally Posted by Happy

The whole thing of Vanilla cannot be used to buy MO or to load prepaid at WM is, WM uses unconventional method to take fund out from Vanilla when it is used for MO / Prepaid - instead of using Visa/MC network, it is speculated it uses some ACH-like method. Since Bancorp is banned by FDIC to initiate ACH due to its sloppy compliance records, the Vanilla genre stops working at WM.

However at grocery stores where the Vanilla fund is drained via the conventional method, using Visa / MC network, it functions just like a debit card.