I just opened an account here and already regret it.
I deposited a paycheck several days ago and the funds are not available yet. When I called to inquire, I was asked to verify the following information...
1. Account number
2. First & Last name
3. Address
4. Last 4 of SSN
5. A recent transaction to my account
6. Business or personal account
ANNOYING. That's too many questions in my opinion.
Next I was told when the funds would be available. I understand business days are taken into consideration, but I will not have access to my funds for 7 days after the initial deposit date. They have a "hold period" of up to 10 days!
Side note, I deposited a check issued by the same account just a few days prior. That one cleared much faster for some reason...
If you actually want to be able to spend your money, I'd avoid this place.