Most unlogical bank app ever. The service is the worst in refunding. They literally screw you over by charging you money if you refunded your the money through your bank account. Also you can't add money to paypal with the app and you have to go to your desktop device to do it. I can't say it's the worst service but it comes close to it. If there was beter option I knew than would switch over without even looking back at this service.