Definitely not worth it. If you opt for the Pro account, the monthly fee just doesn't equate with the waiting period and the minimal overdrafts approved. Further, when you have an imperative financial issue, you want to be able to reach your financial institution promptly. Right now, I can't access my account because my phone number changed and in order to login to the app, you need a verification code which is texted or provided via automated phone call. There is no way to view your account information online, on a computer, outside of the app. I've sent an email and awaiting response. I also tried calling the contact number and even though I opted to stay on the line rather than get a call back, I was disconnected twice after waiting over 30 minutes each time. On my 3rd try, I just went ahead and took the option to get a callback with no advisement on approximate time the call would be returned. This is not the way I like to do business for my business.