The app is somewhat easy to use, but the banking service this far-and I havent even been able to USE my card yet-is horrid. Made a 30%direct deposit to my Stash account and several other small deposits... then, my card is suspended. I have to send in copies of my license and bank statements of my contributing bank. My money is now on lockdown and I cannot even access it. $200 OF MY MONEY locked away. I sent it a screenshot of my bank statement with the required info.. nope. Not good enough