It wotrs less frequently than it claims to be down on their end. Then if you have to call they first.try.funnel everyone back.to use the app instead when we are only calling because app isn't working. Then there is a 10-30 minute wait for every call because of a lack of adequate staffing. Couple that with my card being shut off seriously every other time I try to use it.... Of course requiring a call to restore access to my own money if day it's pretty damned worthless.