UNRELIABLE☆ Ever since forcing me to change banks because of the merger everything has gotten much worst. It's difficult to get anyone on the phone. This app always lags and there's always an error. I can't access my bank info when I need it. I really miss my old bank institution and their seamless app, customer service, and overall experience. I'm really thinking of having to change banks all together even after being with my previous bank for over 20 years. Yes. That's how bad it is.