I really wanted to give this app a go because of all the great reviews, but there is a big hang up. I linked my bank account and everything, but they force you to do a wire transfer for you first deposit before you can do anything else. My bank charges a $30 fee for wire transfers so this immediately turned me off. If anybody else is planning on using Gemini, just be prepared to have to do a wire transfer first thing. I may try them in the future if they get rid of that ridiculous requirement.