Useless. This app uses chrome browser as a backend. This causes fatal login problems. Literally cannot log in to the app at all and cannot use the phone as a 2 factor authntication. What this means is, by installing this app, not only can I not use mobile banking, I can no longer use online banking or make online purchases any more. I can only use limited access. So I can't even transfer money any more. Appalling. Considering changing banks because of this app.