Thanks for the replies!
It works like a floppy/CD. I went into folder options and found show empty drives already unchecked.
It turns out to be one of my "Dooh" moments. In the upper view pane, it shows only hard drive and only them in the bottom view pane, until I expanded the bottom pane with revealed the card reader drives! They were there, but the pane was too narrow to show them.
How embarrassing. (But I do like it when it turns out to be something simple.)
Thanks for the help!!