I called back on my magic jack because I only use it for just this purpose.  i called, spoke with two different people plus a manager.   not a one could provide any information whatsoever about what "financial services" they provide.  Kept asking for my name and phone number which i refused to provide.  Their reticence at telling me what they do is a red flag and i never intended to give them anything from me whatsoever.  they are based in san diego, or so I was told, and the number is a Detroit MI number.  beware.