I just know the business from an investor POV.

The thesis at the time was indeed their digital first banking format and restructuring of student debt.

Here in South Africa we have so much FinTech that I could see major similarities to them and several local FinTech companies, and if it works here, it'll most certainly work well for the US market.

I mean, who doesn't like an interest bearing savings account in 2025, without the fees.

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I’ve been following it for a while but never really pulled the trigger. I’m just curious if anyone’s had any negative experiences with it

Probably.

But this day and age you should be able to ad hoc bank vs be bound to one bank for life.