This app does not help anynore than just calling the office to get an answer to a question or calling the back of your card for the balance. There is no advantage to this app at all and just takes up space in my phone for 9 months that I don't use it anyways. I had a problem getting my tax return back from 2021 tax season and I left message after message and didn't get any help till the next season started anyways. They didn't even answer a message till following season. Waste of phone space!