Whoever the new provider is (I think there was a lot of pushback on the initial implementation) is far better.

They introduced "Pay as You Go" (direct tolling) so you don't need to hold a balance anymore. You'll basically just have a negative balance until they charge your card twice a month. Has surprisingly actually worked for me, and confirms that accounts can go negative now. I can choose to add funds or just wait for the charge to go through.