Instant cash is only at $50 which is hard for meto understand. Not that I use that figure but whatever. If I need it, it doesnt help me out a jam I was hoping for $150-$200 since my income is over $2000 a month. Savings work okay it takes the funds 5-6 days to reach the savings account which is crazy (ijs), weird. Cash back feature is great though I won't be adding any direct deposits not even for $150 bonus. I get more from Capital One for every $1000 in checking and savings $100 on going.