> The key difference is that we allow you to invest all your money and still give you instant access to cash. With traditional banks/brokerage accounts, yes, you can invest your money, but if you invest it all, you can't go to the ATM and withdraw money.

Yes, you can. Every single one of my investment accounts comes with a debit card that can access both uninvested cash and take a loan against the value of my securities, which I can either repay by selling the securities or by transferring cash.

I see. I don't live in the US, so I don't know how easy it would be to convince someone to have a startup as a bank there. In Europe, I'm pretty sure nobody would pick a new bank (especially a startup) just for avoiding monthly saving tranfers. That seems more like a nice feature a bank could have, rather than a new business idea.