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This used to be such a good app, now it's unusable with all the multiple steps to do anything. Logging in is a nightmare and they are planning more 2-factors to do anything within the app in an update on the 7th? I should have access to my money when i need it. They keep making everything so unnecessarily complicated, ill have no choice but to close my account altogether. Make it easier for us, not harder or ill drop everything and go back to only using cash. Cash is much more reliable anyway.