The worst bank that has the least protection for your money. The app is fine works like any other bank app. Without any ads. However, the bank quality overall is a fail. I have to receive scam text messages to alert me my account has been jeopardized. Only to see two transactions I never made. Chase alerts you EVERY single time your card is being used whether its a credit card or debit. Citibank does not want or care enough to think that's a mandatory need for their customers.