7 days to transfer money between 2 American banks from checking account, Really? Horrible transfer recipient setup, horrible response time, application user experience is flow breaking, you have to log in again every freaking time you click on the app because it takes you to a browser tab instead. It is very easy to open an account but very hard to keep up with you making me waist 6 hrs of my time in the first week as a costumer to fix my credit card and my phone authentication.