Every single one of my brokerage accounts and banking accounts has an iPhone app. You probably know this, but the money doesn't actually "[sit] in the app", wha

Every single one of my brokerage accounts and banking accounts has an iPhone app. You probably know this, but the money doesn't actually "[sit] in the app", whatever that would mean. It is invested in stocks, bonds, mutual funds, etc -- the app simply gives you a view into where it all is and the current value. :)