It took nearly to weeks for me to get into the app because it never would send me the text to verify . The deposits work fine however I have all my bills paid from my primary account and transferring the money is not simple 1. You can't copy the routing number or account number 2. It's not supported by cashapp. The billpay is archaic compared to most banking apps . Also I didn't realize that activating the card would automatically make it my payout method I wanted to wait for 1 more in my bank