but I too have noticed how long it takes to credit the account with money. I did get the app to work, after asking a question. The key is to set up a “new user” on the app-different from the user name/password you have for the website. Stupid in my opinion and I really hate to use that word. Definitely cannot be my number 1 checking account, but its a great hidey hole for money – you can’t access it quick.