I loved everything about this, except for the promise of an "instant refund." To do this, you have to open a checking account through Intuit — which is actually all fine and good, except it wouldn't let me because it claimed I had opened an account through another email address that I never recall using before. Because that email address was abandoned (maybe by me, who knows), I got the email address and then tried to set up the account, but it still wouldn't let me, saying that it was still reviewing information, and gave me zero timeline.