This isn't as easy as it says. They want you to put all of your direct deposit into their bank sight unseen. It states that you can start with 200 dollars but when you try to deposit the money it routes you to a direct deposit format. I spent 45 minutes on the phone trying to find a solution to the problem to no avail. I spent another 30 minutes trying close the account out. At this point I will build my credit the old fashioned way it might take longer but I won't be annoyed and waste time.