Avoid them. I wanted a debit card I could use as an alternative to PayPal for online purchases. First few transfers went fine. On the 15th, I requested a $93 transfer. It was taken from my bank the same day. It's now the 25th. At first, I was told "it can take 3 - 5 days." Then, I was told "3 - 5 business days." Then "5 - 7 business days." Now, "10 business days." The app says my transfer should have completed no later than yesterday. They're no longer responding. I'm reporting them to the FTC.