Check their status on the consumer financial protection bureau. There are way too many people trying to get their money out that can't. Tried this app because their marketing was sharp, Customer service is horrible. They give you automated responses, 7 our of 8 times i tried in one month, they didn't pick up. Wheb they did, I wss on hold for over 40 minutes and finally transferred to an agent with no answers but wouldn't let me speak to anyone else. Literally ANY online bank would be better.