Junk. Schwab's app was already the worst one I've encountered, But now they have insisted that I download this update, or I can't access my account. I have tried the update 4 times now. When I do, I keep getting the message that the app "will be installed soon." I don't consider 2 days to be "soon." Still waiting, and unable to access my account, Pathetic. I'm going to try to give them 0 stars. If I gave them one, it's because I had to.