I have had a few minor issues with the App. The Rewards Program still has a few bugs to workout before I will give it 5 Stars. As of late, Customer Service has been on point when I have had to call. I like that moving money is so easy. I like that I can organize my accounts in the order that I choose. I like that the Line of Credit now shows $0.00 payment instead of the $500 available limit (because that used to about give me a heart attack every time I logged into the App). The colors are pleasant and clearly thought out by the Devs. I do wish that I could see payments made on my Credit Card, right away. For some reason, there is a delay. Additionally, the Rewards Program returned a funky error and I thought I lost points. As it turns out, it takes a few days to post to the account if your points are used towards the balance. The display is really tiny. It doesn’t seem like it was built for an App.

I’m not giving five stars, I want to give negative a million but this bank is a scam and they don’t put 1 Star review up. I signed up for a spend $10 with 10 transactions and they would give you $100 back. The card stopped working by the 6th transaction. I checked every time I was going to use it that it had money on it and I did! This last time I went to use the card and it declined. I called and they said that I would have to call back in the more because the "card experts" are gone for the day. I called back the next morning at the time they said they would be open and they said they were closed. I called a few minutes later and they said it was an ongoing issue and they were fixing it. I called two days later and they said that I would have to go to the bank. So I went to the bank and they said that I would have to call. So I called right there is the parking lot and they said that this is an ongoing issue and they are working on it. I tried for months to get this fixed and at the same time they were charging me declining fees, I had fraud, and they charged me for not using the account! This last lady didn't care and told me if i wanted it fixed then all I had to do was pay the fees! THEY ARE CON ARTISTS! DO. NOT. GO. TO. ANY. OF. THEIR. BANKS!

It’s a banking app, what can I say? You can check your account balances, you can transfer money between accounts, and you can view your account history. These are all things I’d expect. There are a few additional things that it can do that I like, such as linking non-Chartway accounts (credit cards, etc.) so that you can view most of your financial data in one place and/or use it’s data for the budget calculator. It also provides links to open some other accounts or apply for loans. Nice touch. Then there are two things that are just irritating. The linked accounts sometimes randomly disconnect and are a pain to reconnect. It can be done, but sometimes it feels like it’s more trouble than it’s worth. The other thing is this: there is a menu button at the top that gives access to, well, the menu. Good idea. But, also, swiping from left to right anywhere on the screen opens the menu. You’re scrolling through your account history and move a tiny bit to the right? Menu open. Typing in a data field? Menu open. Looking at your budget? Nope! Menu. So, all in all, the cons cancel out the pros and it rates a solid “meh”.

Although I appreciate having access to my account from my pocket, I have repeatedly been deceived in how much money is actually available in my account as items are pending, and a number of time have been charged an overdraft fee because what I thought was available was actually not. For example, my $500 car payment consistently shows as available cash while pending when that amount is actually never available when I subtract charges from what was available before the car payment was pending. So it’s a tad annoying that I need to correct a computer’s calculations and get charged when I don’t double check it. Otherwise, I appreciate the Tools on the app that help me to project upcoming costs and track trending expenditures.