The only problem with my stash experience is they lock your account at least once a year. You'd think it could be resolved in a timely manner, but no. As of now my account has been locked for going on 3 weeks. I have sent multiple emails and forms stash has requested to resolved this issue. Their customer service line is a joke, you can sit on hold forever and never get through. If you were to use this for your primary bank account You'd be screwed. Thumbs way down!