I'm not going to lie. I moved across country out of 5/3's branch reach.... But this app compared to Chase, or other banks my friends have shown me is so stupidly behind...... I mean, for starters why is the app down so often for "routine maintenance". Anyway I'm sure others have issues. Also the the 35 minute customer service wait time. Not keen on that either. I am by the way a former employee of the bank unfortunately, and don't ever plan on working with you again with my financial services.