The app is basic and some functions could be better organized. My major complain is the holding time for mobile check deposit. First time can take up to 6/7 days, after that, at least 3 days. For ACH expect more 2/3 days. Personally I think it's too much time considering modern transfer technology and also considering major banks like BofA, chase, wells Fargo and others let you have funds available same or next day which is important for business.