You're missing one huge benefit of this, and honestly it seems like they are too. For me, the biggest draw of a service like this is keeping your savings relati

You're missing one huge benefit of this, and honestly it seems like they are too. For me, the biggest draw of a service like this is keeping your savings relatively inaccessible. Whatever money they're holding for you can only be accessed with a ~24 hour delay, which gives you pause before you blow it on something stupid, but is still quick enough for emergency use. They should really push this as a feature. They should make the delay arbitrarily configurable. They could have an option where you have to ask for a withdraw twice with a delay in between. They could even have an option where you have to explain what you need the money for. They could have a human send you an SMS trying to talk you out of any stupid purchases, but even just writing an explanation to /dev/null would help a lot of people avoid impulse buys. Plus, 0.2% APY is still better than my savings account pays.