Avoid this bank in general. The app isn't great either. Limited functionality, wire fraud protection is not 24/7 and you won't find out until you spent 40 minutes on the phone talking to 6 different people until a machine hangs up on you because the app cannot verify. Using this bank feels like a scam where my money goes in but it doesn't really come out and holding money here offers little incentive. I hate everything about this bank, especially since it's supposed to rep America.