ABSOLUTELY HORRIBLE! tried using the app for my taxes but first off it would never load properly by scanning the QR code that I was provided thru Credit Karma, tried setting up an account on the app and it just kept locking up, over and over, tried reinstalling but same problem. Credit Karma took a decent free tax filing system and turned it into a horrible experience. I will go elsewhere to file my taxes and I would NEVER use this piece of trash app to send and receive money thru a bank account