Reviews can help in decision making. I wanted to actually use this service. After the announcement of IRS taxing people for making personal transactions with cashapp, PayPal, Venmo, etc. I don't want my non-taxable transactions mistakenly reported as income when they are not. The news reported Zelle the only app available now that is not required to report to the IRS. Well all the honest reviews about how bad Zelle is. I won't even waist my time to sign up. Hopefully a new banking app soon.