it just doesn't follow the notification settings you give it. i have never once recieved a push notification that wasn't an ad pushing "exclusive deals" even though i very deliberately turned those off. Edited this review months later to say this still hasn't been fixed. I have to pay for exceeding my balance, I would like to be notified about my balance. I DO NOT CARE about cashback deals, 3am or otherwise. I care about having my bank app follow my preferred settings. I WILL CHANGE BANKS.