You will need to fund your goals that will be managed by Manzil. That might include an initial deposit and setting up a recurring deposit that our software suggests. You can connect your bank and transfer money to and from your account at any time. You do not need to call your bank or fill out tedious forms. Note that all your assets and money are held at a Custodian bank that is fully registered with FINRA as a broker-dealer and is insured by SIPC.