It is a FDIC insured collateral account For Benefit Of (FBO) your company, so it is your money that can be held on your balance sheet as an asset.
You can remove all of the money in the reserve account if you no longer want to offer debit cards (please note, this will cause of your your cardholders' cards to immediately stop working).
If you wish to do a partial withdrawal of some of the money in your reserve account, please submit a support ticket on your admin portal. We will need to do a compliance review, to ensure there is enough money remaining in your account to meet our AML requirements.
Can I offer consumer reloadable debit cards without funding the reserve account first?
Why do I need to fund the reserve account for the consumer reloadable debit cards?