It's good if the purpose of having it is to keep watch of your credit score or anything credit related, credit karma is the go to! Now, concerning financial It's a no go for me,, the notifications are a bit excessive, if you want to transfer money to or from your banking accounts it'll take 3 days, it's 2022 there should be an instant transfer option like most other apps and as far as a "up to 5,000 debit purchase reimbursement," yeah right never received 1, lies!