The app is smooth when it comes to sending and recieving money from other users but if you lose your card or need a new company to directly deposit the money they owe you then you will be in for the slowest, longest ride of your life on the short bus operated by the morons that cash app hired as their customer service representatives. Update 3 days later and they are still reviewing Mt bank statement and my drivers license. They even returned the money to a gig after I set up direct deposit.