I mean it's a very user-friendly app at least when you can get into it I've had so many issues trying to get into this app and it randomly just shuts down won't let me sign in and I have to delete it and then reinstall it or force close the app in the background just so that I can access my account to pay something and I've had a few times that it's came up I owed a late fee but I know for a fact I sent the payment in