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I haven't read all the posts...
I went to my account to withdraw funds. All my funds are on the Visa side. So I enter an amount and receive a notice that I have zero funds in my Wallet and as a courtesy Epass was transferring funds from Visa to My Wallet. No change in the $3.00 fee. I canceled before making the actual test as it would have put the account at zero and I didn't want to do that. The dollars are still there. It is just a matter of getting to them. And for my small amout, I could have moved the funds to my checking account. That doesn't solve all the problems I know, but for some it is a way to get to your funds.
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