I was only verified for cash outs. Was told to download the KY form in the Cashier to apply for the debit card otherwise cash outs were by WU. You must have $25 in your account to get the debit card and the cost is $5/mo. They will send you the debit card once you apply for it. I have not done this yet as I am still building my account up. Once I get ready for a cash out I will post the results of getting the debit card.