This app & bank are unavailable to their members. They will freeze your assests and you never know until an online bill pay is rejected. It is the most useless banking app I have ever encountered, in addition there is no customer service # to your local branch. It' an 888# that I've personally spent at least 6 hours on hold because one person doesn't know or have the authority to fix in app or after hours problems. A computer voice always answers, is annoyingly repetative. Terriible