Well, if you're saving very aggressively to buy a house in the near future, it makes a lot of sense, especially in places where housing is extremely expensive.

Well, if you're saving very aggressively to buy a house in the near future, it makes a lot of sense, especially in places where housing is extremely expensive. Slow deposits and transfers are not a problem at all. You only need to transfer in or out maybe a few times per year at the very most. i'm not sure what you mean with "janky"