The app itself works fine. Pretty straight forward. The banking services however are the worst. Check deposits take forever to clear regardless of the amount or account standing. They claim it's 3 business days, it's more like 5 business days (so be ready for at least a 7 day wait). They have absolutely NO customer support- you have a question? 1-2 business day wait for any replies. I would steer clear of them if you need anything more than a deposit account without easy/fast access to funds.