Does not allow easy transfers of money between outside accounts. The process is either frustratingly difficult and/or impossible, and the company after taking your money, provides only information that makes it "look good" while not only wasting your time, but loosing your money. invested once, but the only thing I see is loss. My account started at 205 but now I'm at 180? How is this making money? Also, I'd love to transfer money between my checking accounts with other banks, but it no work.