I really wanna like this account but the fact that they do not allow me to receive my instant deposits from apps like cashapp or venmo until 7pm at night or 7 pm the next night if I don't make a certain cut off is a big inconvenience for me that is becoming way too annoying to look past. I will start looking for a different bank to use. I use instant deposits a lot and have never had any account hold them like this one does.