This is a terrible app. They have no problem taking your money but sending money takes days. I used the lightning option (supposedly instant) and after an entire day with no instant money in my account I contacted support. I was told that the bank had a hold on the deposit. Then by the end of the conversation their debit machines weren't working and that's why I have no money. All the while the app says I'm cashed out and will receive my money by 6pm (it's after 7). So use a different app.