Wouldn't recommend...maybe I'm getting old (32), but it's just too much of a hassle. At this point, the only reason I haven't already left is bc I just feel stuck with my money in 4 of their different "programs". It just shouldn't be this hard for me to access my own money. I guess none of this is specific to the app per say...at least not the platform in a very general sense, but then again, the bank literally is the app, soooo....