App is constantly down but the main issue is the available balance in your account will randomly stop updating (no pending transactions either), you will spend money it says you still have, and then update DAYS later and put your account in the negative. Then they will want more money to take it out of the negative when it’s their app that is being inaccurate and misleading. This has happened to me at least three times within maybe 5 months.

Over the past several weeks, their system has gone down multiple times, preventing me from logging into my account. The most frustrating part is that I recently had funds deposited, received confirmation they were available—and still couldn’t access them due to their system failing again.This isn’t a one-time issue. I’ve reached out to support multiple times, and nothing has been permanently fixed. The problem keeps happening.On top of that, their limited support hours make it nearly impossible to get timely help when something goes wrong. Closed on weekends and limited weekday availability—yet their system is unreliable? That doesn’t add up.At the end of the day, if you’re trusting a company with your money, you expect consistent access. Right now, that’s not what you’re getting here.Would not recommend until they fix their reliability and support.

I really do not like that I have to scroll down to check my balance. I do not need to see savings before I see my actual balance. And I can’t stand that the very top of the list is credit score button. Why even have it there if it’s not going to show it?

The app had issues early on but it works consistently now and I am able to do everything I need to on the app. Love Natco!