It is a US checking bank account that is linked with an ATM card. Although it is not a traditional bank account where you can send or receive or transfer money but special purpose for Payrolls, ACH enabled payments such as you can get direct deposits from PayPal, Moneybookers, Amazon, Clickbank, AlertPay, ePassporte, Commission Junction (cj), Google Adsense or from any other US company that requires you to have a US account to transfer or pay you by ACH (Automated Clearance House) method. Once you have this package, you will have a bank account number under your name, aba number or routing code number, bank name this information is required by almost all companies to let them send you payments. And of course ATM card also be with you to enable withdrawal of cash at your local currency in your country. This card is only for electronic transfer by ACH method, it may not be used for direct deposits to your account by individual walk-in.