I've had my One card about 7 months and there were never monthly or load fees for me. However I set up DD anyway because without DD, there are ATM fees. Also, with DD you get 3% cash back at WM.

During the 7 months I've had my One, I never maintained a ballance and almost never use the card for anything "normal". I load it at WM and ACH the money out ASAP. I don't think that's a good idea, but all the shutdown talks makes me not want to leave money there.

I honestly thought I'd get shut down by now acting like that, but haven't been. I have my suspicion why too. I suspect shutdowns are only ever related to SARs (search for my posts on SARs). So I try to never do anything that would result in a SAR. That means I don't split transactions to be able to load $1000 or more, since a $1000 deposit results in a SAR and many $1000 deposits day after day is very many SARs. I've loaded one $500 gift card a day (at most) on my One (and my 2 Serves and my Discover) and kept my deposits to each of those at <$10k per month, as that's another SAR triggering level

Do I insist that's the "answer"? No. I don't know the answer. It's just what I'm trying to do to see if I can avoid a shutdown. Time will tell.
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