So my experience with Bella started off wonderfully. But it quickly deteriorated in a few short months. They started locking my debit card every single time I used an ATM. Every time! So I'd have to use their app to contact customer service (no phone number), and it started taking HOURS for them to reply back. The last time, it took 16 hours for them to respond. I switched my direct deposit to a real bank last week. At least they won't cut me off from my money all the time.