As far as sending & receiving small amounts person to person it's fine. However, if you're considering their Direct Deposit, it's a waste of your time and extra anxiety in your future. They boast "get paid up to 2 days faster" but their customer service associate (which are surprisingly patient and courteous) informed me my Deposit was there on the screen before them but it could be 5 to 10 business days before I'm able to access it.