I just move from Europe to the US and I have to say this is the most confusing bank app I've ever seen (the US banking system is ridiculous in general). In this app, it's just not possible to know how much money you have in your direct deposit and/or credit card, ie how much you owe. There's like three different balances, all with different meanings, and since transactions takes 3-5 days (!!!!) even from direct deposit to credit card WITHIN the same Chase account, you're always behind and never know your current balance. Statement balance, current balance and available credit never match, and checking transactions doesn't help either. It's probably all correct, but still a horrible user experience. It's not helpful or supportive in any way. Further, the fees are just insane, you even have to pay for INCOMING wire transfers. I already paid hundred of dollars in fees since I had to transfer money from EU to US.. I mean, Chase is using your money for stock trading/investments anyways, but they still charge fees like hell. Just stay away from this bank and go to an online bank like Ally or Discover, it's 2022.