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That’s why I don’t trust any of these new trendy banking apps; better to stick with established institutions IMO. Not that they’re great either but at least you won’t be in a situation like this, or at the very least they’ll have better customer support.

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It's why I switched everything to a combination of [boring established brokerage] and a credit union that's been around for almost 100 years. Their apps are mediocre and some of the more complicated account changes require a mix of faxed forms and phone support that's only available during normal business hours. But they're unlikely to mess things up very much and they're hopefully less likely to sell or leak all of my financial and personal information. And if something goes wrong my brokerage has in-person customer support branches around the country.

I'm in the same boat, with half my checking in the brokerage and half in the credit union. Some recent changes to the credit union(merging/renaming/ui changes) have been frustrating me and I've thought about rolling everything to the brokerage's offering, but the redundancy is nice for a situation like described here. Knock on wood though since it hasn't happened yet.

credit unions are great. Typically very customer friendly (i.e. no stupid monthly fees), many have been around a long time, and have rolled-out decent online banking options and mobile apps.

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