Only been using it a few days but so far so good. I haven't tried to Zelle $ yet but when transferring between accounts on the app, it would be nice to have a memo feature to put what it is for like I believe Zelle has. Thanks 👍 March 2022 update - Bill pay takes 2 business days instead of instant like other banks. $ does not come off acct balance until 2 days later; this is irritating, cumbersome and not why people use apps or online bill pay to pay bills. Downgraded 2 stars for this!