My account is new and my bank debit card is through navy federal. Out of 10 attempts to add cash, it says failed . There is no true answer I found out besides the app protects its customers. It is understandable but I'm going from a legit bank to this app. I don't know if there are rules for example a time frame once the account is open or linked you can withdraw or once you withdraw once, is there another waiting time. I'm leary of apps in itself and to have this fail 9 out of 10 attempts