So far, so good
So far, so good. I was a little disappointed that they lowered their 5% apy to 3.75% apy shortly after I joined, but I've stayed because that's still a very competitive rate given the current economic conditions of the US, the app is user-friendly, and paychecks come in pretty much immediately upon the 2-day early pay as advertised, faster than other institutions with their 2-day early pay (and I've tried others, including Ally Bank).