Not happy this app is not as functional as they have it yes its neat to access account you can set up notifications just for nothing it would not notify when a payment was returned especially when you link it to a bank account and then when you pay for it early and payment doesn't go thru and you are aware that you have funds especially for a first timer credit card they decide to cancel your card rather than call you or your notifications notify you it does not work so do not bother!