It never works. I used to be able to login on the second or third try, but now it doesn't work at all. It does recognize my login and it reads, "hello," but the progress circle rotates and proceeds no further. The website works immediately. Customer service was friendly, but unable to help my situation. The rating is for the app. I do recommend USAA. I will uninstall the app. Apps are always on and track every user that has it installed. This is true of every "free" app. Andoid OS LG Stylo 4.