Transfers are Annoyingly slow. I use it to transfer money from my main account into this so I can use it to buy groceries. That's it. That takes about four business days before it shows up. You also cannot initiate any transfers after 2:00 p.m. Pacific time, so I can't transfer any of my savings instantaneously back to my card. I had to put all my groceries back. It is now the next day and I still don't have my money transferred from savings onto card. :( Use another app for faster transfers.