DONT USE! I downloaded the app n linked all my accounts. its great at letting u know where ur spending ur money, keeps track n how much u have left to spend. HOWEVER, if u give the ok to work with the companies to lower your bill they ACTUALLY call n PRETEND its u to get into ur accounts! I got calls from ATT letting me know someone had called several times PRETENDING it was me but couldn't pronounce my full name or answer the security questions got mad n yelled at them when questioned B CAREFUL