They have the worst security system. They have allowed businesses to take money from my account, while keeping the charges in pending. And i have to wait anywhere from 30 to 60 days to start to see my funds trickle back into my account. (This is there security) I am not a wealthy person, so it stops my life for a while because of the 1 to 3k of funds magically gone and my account is stuck in the negatives. Have a team or at least a single person that can make sure your pending charges are unpended by the time they allow the same company to withdraw from your account. While u wait for months. Stop only relying on the automated system. Less then 1 star i wish i could give negatives