Its hard to get the recurring withdrawls to pause even after you pause them. My checking acct grts low often just because i havnt been able to put money in and more often than less Stash overdraws my acct. $9 a month plus all the overdraft bank fees have costed me hundreds. Closing your account or transfers take a lifetime. Im really about speediness and this app isonly speedy to take your money. Ive only seen losses with this app. They stress that investing is risk on every page and yes i see.