It doesn't matter to me at all that you are your own bank I have never had to wait on being able to get my money from time or any other card for that matter so you should at least offer a virtual card that's mandatory and I have used the app for a while now and I still can't Mobile deposit a check for some reason and I just opened to go to bank account and it's ready to go to cash checks I hope it's just lacking in so many the small amenities that the other Banks apps have