The app is horrible when you want to make an Express payment you have to pay for $95 to do it and then they have to transfer you to a live agent through the app and that person never appears so you're never able to make the payment and when you make a payment with this company it takes two days for them to take the money out your bank account but then it takes almost 7 days for it to post to your account. Don't use this or this bank at all it's not for the customer!