I’m going back to Cash App or Chime

I’m going back to Cash App or Chime because I feel like when my main banks, Navy Federal and Bank of America, my transactions be pending for like an abnormal amount of time, like more than a week. Stuff that should be cleared within a few business days, it still be pending. Like it be so many charges lined up pending, pending. I'm like, what's going on here? And then when they finally clear, somehow I end up owing something. Like I don't even understand how my Bank of America account be getting overdrawn. I don't even be using that account. I just have them up just in case. So I'm about to go back to Cash App. Well, I was going to go back to Chime, but it seems like Cash App has better benefits right now for like direct deposit and everything. And I keep my Cash App card off, okay? Y'all ain't getting me. I don't know how y'all stuff be getting hacked. Y'all be doing those scams, but I keep my card off. And one thing about Cash App and Chime that I like is like when you freeze your card, nothing getting through. But like with main banks, Chase, Chime, I mean, yeah, Chase, Bank of America, Navy Federal, let's say you paid this retailer in the past or this service in the past, when they charge your card, even if it's off, it'll still go through because they're used to the transaction. And it's like, no, when I turn my card off, I mean off. Keep off. And like with these new banks, I mean with like Chime and these main banks too, like let's say if you cancel your card, if you have made a previous transaction with the seller or retailer with the previous card, when your new card comes, they automatically get the number. Like they have it already because it's like, I don't know, some type of handshake. I don't understand that. It's crazy to me. Because like, what if it was fraud? How do they have my new card already? But so I'm going to try out Chime, I mean Cash App for a minute. I used to use Chime first when they first came out and I still got a Chime account by the way. But I'm about to start getting my paycheck over to Cash App because something fishy. And they, and Cash App and Chime, they aren't real banks themselves, but they use real banks. I think Cash App is Sutton Bank and Chime might be Bancorp. But they all under FDIC protection. But even with a main bank and a credit union, what's going on with y'all?