Awful. Just plain awful. Always freezing and locking my card for no apparent reason. Honestly they never tell you when they lock it and the card/account will freeze as soon as you go to use, especially at the ATM. And now they tell me they are closing my account permanently without explanation (as God as my witness) which leaves me stuck and waiting 4 days for my bank to get the transfer. Do not, I repeat DO NOT USE/DOWNLOAD THIS APP! This company and the way they do business is awful.