The app is a lot smoother than most. That said, BEWARE! Resolution of billing discrepancies are NOT priority unless you owe them. Should BMGM mistakenly take money twice for the same deposit you WILL NOT be notified or refunded until you notice they took double what they should have. YOU will then be forced to prove THEIR error by providing personal bank statements, which will do nothing to expedite btw. 1 week and still no word as to when they will give back money they should not have taken.