I like how it links all your accounts together so you don't have lots of paper bills with multiple numbers anymore! It is easy to use & navigate as well as keep up date w/all my information. You can set reminders when due dates are approaching as long or short notice (or no notice before account deadline). There's nothing really bad about this but there doesn't seem too much room to grow either. As far as cost vs benefits go - if anyone knows where to find cheap prepaid cards you should definitely look into them especially since they make paying off their balance extremely simple by linking bank accounts. For tracking bill payments in one place without many different phone conversations / meetings etc., having everything tied back tot he same account makes life alot easier. The best thing about instant is the ease of use (it's so easy!), it makes payroll more efficient and effective. I also like how my paycheck goes directly into my checking account instead of having to wait until payday! There are some things you can't do with instant - such as requesting an electronic deposit or using direct deposit from your employer. If there were any issues with instant they would immediately be addressed by their team members who we have always been treated very well at!