So I switched to T-Mobile and got a Visa Debit card for the ETF reimbursement from Verizon for $900. It's a T-mobile Visa debit card that has my name on it. I can create a PIN for it but since it's a promotional card (it says promotional on it) I can't access the funds via an ATM. Per the Wiki, do you think this would count as a bank issued debit card that I could load online and that wouldn't count against my $5,000 monthly limit?