I give it a 0 for 2 reasons iv had money iny invest account for months that I moved on there from my SoFi money account and they refuse to let me withdrawal it 2. I helped mom create an account and she gos but a different name than herlegal name iv only ever heard anyone including her say her legal name 4 times my whole life so but they r being so difficult about changing her name so she can open a money account it's ridiculous they would rather lose money than put her legal name