I downloaded and set up an account. I then transferred money from my bank account, the money didn't post until a whole week later and then I couldn't get my money without the card they sent me because thier digital temporary card was useless. All Customer service could tell me was that I had to waite. I finally received my card in the mail 8 days later so I immediately transfer my money back to my account and it told me it was going to be 5 more days before my money is available to me. GARBAGE