Confusing transfer layout caused me to put money in when I meant to take it out. SLOW transfer of money back to me (up to 6 business days), but they seem to be able to take cash out of my bank faster than an ex-wife! Also, trying to opt out or cancel a subscription (where they automatically transfer money out of your personal bank account each month) is impossible unless you go online and close your account. Stay away from the mutual fund styled investments like Precious Metals - no increase