Not user friendly or intuitive at all. I work in IT & very tech savvy. I had to contact help twice, just to get started. Needs to have more on screen feedback to give you info. For example, when manually adding a bank account, you have to verify it before you can pay from it. Nothing told me that, so I did it twice. Then had trouble with verification. Could not verify the plaid connection to my bank. "Private" should be the default & should not need to be selected each time.