The recognition of the selfy is poor. I was not able to access my account for months because I was not recognize in the selfy in my many attempts to unlock the account. Also, not all security questions are not appropriate, especially the question about the PIN of the debit card. How one could now it, if he has not yet set the PIN ?! Another tricky question is the postal code which normally is 5 digits in the USA but not 9 and no one expect to enter 9 digits