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When I first signed up I did not need to link up my account, they just billed my credit card a few cents to see if it was active (then the credit card company called and said they noticed fraud...because of the small charge...and closed the card. I was still able to fill the account with $100 before the card was cancelled.
Did not use epas for 8 months...now they made me link my checking account in order to load funds...also increased the security settings like most online banking account. Now you need to remember several things to get on.
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