I’ve used this app for years and years - like long enough that I’ve had replacement cards show up in the mail because my previous was expiring soon. If the biometric login breaks because you get a new phone or whatever the cause - turn it off, log out, log back in and switch it back on.. fixes it; I had that issue when I went from fingerprint to Face ID. Never tried check cashing so I cannot speak on that. This service/app has been very good to me over the years, I recall one day that the app was down but they got it back up by the next day. I haven’t installed this newest version because.. well I just haven’t yet.. but whatever - I just updated it a week ago anyway. I will come back and edit this with all the normal rage you’d expect if it breaks when I do update. Never had an issue. Period. It tends to just work fine for me. Sorry you guys get so many bad reviews when I’ve used this app for a long while without any issues and have loved it - I don’t understand really.

The app is pretty simple and lacks most extras that other banking apps have available, with one exception. The main reason why I have kept this account for years was the Goals feature. It helped me put a specific amount of money away for things like bills and projects that I knew wouldn’t be touched when I used the card for other things, then I could pull it out again when it was time for payment. I could ensure that no fraudulent charge, delayed charge, or unaccounted for subscription payment would impact money I required for paying my rent, student loans, or medical bills on time.But recently they moved Goals from the main screen to a different submenu. Why??? It used to be so convenient, you could instantly see where everything was with one glance, no navigation necessary. It was like that for years and it’s still laid out the old way when using the browser version. I don’t know why they purposely made the mobile app in particular LESS user friendly.When I first saw the goals weren’t on the main screen anymore, I thought it was an error and had a moment of panic that my money was just…gone. It took a call to customer service to find out that it was just an app specific change and my money was still there and accessible. I’m relieved that they didn’t remove the feature entirely but this unnecessary change and the lack of communication about it left a bad taste in my mouth. I’ve since stopped using this as anything other than a backup debit card.

The old at least used to work so that you could move money between a set-aside account and your regular account. The updated app makes that impossible and you have to go to the website to do it. You also can’t check your balance without logging in which was a feature of the previous version of this app.Beyond all of the updates to the app that are terrible the company is actually also terrible. My debit card number was stolen and the company has been unhelpful, and every time I speak to them, when you can actually hear the person on the other end of the call, they make you feel like a criminal and there are a million hoops to jumpy through in order to have any hope of getting your stolen menu refunded to you. I had to print a form within 10 days and submit it with all the some information I’d given at least 7 times in 3 prior calls and you can’t tell if the information was received or if they are content with your responses or need more information. I guess I’ll know in 45 day when, if they decide I couldn’t have been spending money (13 hours away in another state while I was at work) and I see a refund. I do not normally write reviews but this app is terrible and this company is absolutely horrible. I’ve been with them for at least 8yrs but I’m currently trying to fins another better place to deal with.

If you are using this app then you likely have issues in your financial life. There are many better apps that offer more convenient use. Many months back, I was restricted from cashing checks, the reason was unknown to me & explained to me as an error after some effort in my part. The “mistaken user”, as I was told was to be corrected, soon”..It never was. It was never explained to me as to what it how or why it happened. I had used this feature for a couple years, when I didn’t have a bank account. Course, I never did bother to call back in again. I continue to use this account, as a direct deposit account only. Not for check cashing. The family feature that allows me to move my money freely among the user under me ( family ) is what I like about it. It also, has a feature to save funds automatically into a ‘rainy day’ account, a good idea if you have the funds for it. It is fee free for the uses I have it for.