Extremely unreliable and not user friendly. Half the time I try to check my virtual wallet (checking account) it's 'temporarily unavailable' regardless of time of day or when in the week. No search engine in-app to navigate in, and most information is in odd places/ not very obvious where to find it. I was a BBVA customer for multiple years and loved their app, so to have to use one that's far less well put together is frustrating.