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It been offered since day one to residents of the US and Canada. It is sometime redundant because if you withdraw monies to bank accounts in these two countries, it usually only takes 2 days to arrive so you don't have to wait long.
But it is great for emergencies. If you are on vacation or on the road and something happens, you can either withdraw money at the ATM or use the card to pay for transactions right at the point of sale.
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