Do not EVER forget your password. If you don't have a personal account with them or a debit card, then trying to login to pay a bill, like my car note, is next to impossible. First, you cannot even use the app to pay a bill, second, if you forget your password they will suspend your account. Whenever I try to recover my account online, I can't because the process requires an account number. I call customer service, they unlock it and tell me to reset password online. Back to square one!!!!