Originally Posted by rmunson1

I believe I have carefully read all 35 pages. I'm not new to MS but new to ONE and I have some comments that are questions - that is, are these comments currently accurate?:

1. Two ways to get ONE - off the rack at WM for $1 or order online for $0
2. Off the rack provides a temporary card; SCO is available until you have your permanent card
3. With the permanent card, $990 loads (up to $3K per day) are $0 fee when using app generated bar code

The key point in this list is #3 - wiki actually does not mention fees, but many posts do, suggesting the physical card is $3.74 but the barcode is free.
One app - is silent on 'cash from debit card loads' but suggests actual cash loads are $0, but who would do that?
Walmart details on ONE has the following statement:
You can load or unload up to $1,000 per transactions & complete up to three transactions a day. Fees vary between $0–$3.74 per transaction. Please note, your card issuer might have additional limits.

But the difference between a $0 load and a $3.74 load is too large - so I am seeking specific information about load costs/details about what is loaded, where and how to achieve $0 fee.
Finally, while the difference between $990 and $999 and $1000 is small, details about the specific amounts allowed (both in Flyertalk and the web documentation of ONE) seem unclear to me.
Thanks.