I just opened an account with Empower and will be putting some money in there shortly.
FDIC insured is something you can usually count on.
I personally enjoy trying out new things and am usually one of the first to test these new things.
There is a always some measure of risk involved but as long as the company is reputable and isn't promoting anything that I would deem to be sketchy, I will usually at least give them a shot.
As mentioned above, it really just depends on you and weather you feel it is worth it.
If you have any questions about any of these banking apps or have any that you are not comfortable trying, let me know and I might try them out and let you know what my experience is.
I currently have accounts with Empower, Stash Banking, Grand, Chime, Aspiration, and Haven.