Citi Mobile® Reviews

by CitiBank Is Awful

I have been trying to close out my account now for 6 weeks, have been told by 2 different associates that it has been closed, yet it still has not, I still receive emails as well as updates on my account that has been “closed completely” and it’s become such a burden and time waster for me to have to deal with all this. I STILL (over 6 weeks later) have to deal with trying to get this account closed after being told multiple times it was done. Moral of the story: if you ever need to close out your account/relationship with this app, it’s likely going to result in a long, pointless, stressful, and confusing process that results in you being told you have done everything on your end and the account will be closed... but then weeks later you still have an account with them, you’re still receiving emails with all your account info, and nothing has actually been done. For something that should be a quick and easy task/process, this is extremely frustrating that it has been this time consuming and difficult to simply close an account. Truly unbelievable for a Bank of this size in my opinion

by Amberseren

Been a customer of citiibank for years .100% on time payments. Never had any complaints.
I bought a new car last week and even though I alteady had approval from my credit union, I let the begging finance dept run my credit in search of a lower rate. In his defense, he did get me a half point less with a different bank, and I already had a good rate. BUT, I had no idea those lender hits to my credit were going to cost me over $10,000 in available credit from Citibank. As if the lender hits to my credit werent enough, I guess citibank was feeling left out and wanted to take a few shots as well. Just days after buying my car, Citibank reduced my card limits to the balance owed maxing out my citibank cards and taking away over $10,000 of available credit. Nothing says I appreciate your money, loyalty, and business like a good smack down. Customer Service was no help. The guy I spoke to had never bought a car so he had no idea what I was talking about. In short, I got punished for buying a car. Im in my late 40’s , make good money, and I work hard to support my desires. This new experience with Citibank has been quite the eye opener. Thankfully my life and financial stability has nothing to do with Citibank, but be advised, if you take some hits buying a car, Citibank will stop by to join in. Cant keep me down. Better luck next time Citibank! :)

by Scatlin

It seems like every other time I try to login I get the red bar at top saying they are having technical issues. I can’t even get the snapshot you are supposed to get without logging in. This happens ALL the time. The times I don’t get the red bar it says my account is locked because of password problems. This is before I even try to login. So I go through the process of “unlocking” it by putting my whole card number in, putting the last for of my SS, only to use the exact same password. Then I find out even though it says it is locked, if you just wait a little bit (sometimes 5 minutes sometimes 24 hours) you can put your password in again without having to “unlock” it. It seems as though they don’t want you to be able to login very often. They are probably hoping you forget and then get charged the interest because I always pay it off the second there is a charge on there. There should be a way to pay off the balance every time there is one. I’m not talking about autopay once a month, I want as soon as a charge shows up, the next business days it is paid off. This way i don’t have to do a large lump sum at the end of each month. At minimum I want to be able to login when I want to, not when they want me to. If this card wasn’t attached to Costco I would have canceled it awhile ago.

by Crhlbftk/*#'

This was the first time I used Citi to pay bills. So I paid some bills and the next day went online to check if they were paid. I discovered that the money was still in the checking account and the bills were not paid. After looking into it by using my computer now I found that Citi was trying to pay my bills from a checking account I keep as a back up with very little money in it and of course not enough to pay the bills I wanted to pay. I then found out that my app did not ask me which account I want the money to come from so it chose the wrong one. I finally called customer service. I was asked device I was using and when I told them an iPad I was informed that they are no longer supporting the iPad on Citi only the iphone 🤔. I asked why because an iPad is larger and easier for older people to see but they really didn’t know why. I was told that if I wanted to use the iPad I would have to use the full version on the iPad not Citi . That is why I wasn’t given an option where to take the money from.
You would think that Citibank would send a notice out or post it on their website that they no longer support iPads. They sure do bombard you with advertisements to increase you credit line, cash advances, applying for another credit card but not this. They are the worst.

by SupremeChosenOne

After setting up my Home Depot consumer credit card online I downloaded Citi figured it would be better then the terrible website. Man I was wrong. The website is so bad you have to tap on any field when entering information twice to get it to register so buggy supprised I didn’t see a vw logo somewhere. But Citi holy cow what a pile. After making the account tried logging into Citi and nope. Says something like my password is wrong... not a chance. I work at Apple my entire job is resetting passwords and helping people remember their passwords from years ago trust me I didn’t forget what I made up two minutes prior. It is also saved in the keychain just in case but your terrible app says the information provided is wrong. Have someone at you company actually use your app and try to login with iCloud Keychain and ask your self why it kicks them out of the login page back to the main menu. Deleted app after 10 minutes of trouble shooting. I will use the buggy website with its terrible interface at least it works... kinda. Can not wait to pay off my card so I can cancel it and never use your bank again not sure where all your money is going it sure isn’t to making a decent customer experience.

by Luna231

Open and closed a checking account within an hour. Reps can not comprehend clear English, which doesn’t surprise me as I had to request multiple transfers due to most reps where international and where not fluent in English, causing way more issues than it should have been. If a customer is choosing English as their preferred(as an example) then they expect a rep that understands fluent English and not have to expect to be ask the same question or to confirm the same thing over and over because they do not understand what is being said when the call is crystal clear. (which in general I don’t care what language you speak but should be fluid in whatever language you are providing service in). Can not even get a direct deposit slip to print out for employer for payroll. Have to wait days just to get a direct deposit slip with bank information on it to turn in, which is dumb being that any bank I have opened services with provided it immediately for print out. I’ll stick with Wells Fargo. I have never open and closed an account that fast in my life. Then have to wait almost two weeks to get my deposit back by check when you had no issue pulling it from my card immediately

by Mpope198

We have two accounts and have been with this app for over 12 years. Every month, we go online and pay both accounts through our separate payment account. Then tried to use Citi. Could not link, so we called technical support. Finally got one account activated before leaving on trip. The following day, before departure, we tried to pay both accounts. By setting up the mobile app, both accounts became unlinked, as well as the payment information. After well over an hour online with a rep that could only read from a script (she did not listen to our problem), she said that the account was pending and to try back in 24-48 hrs and enter in the information again. How is that pending as we are redoing the process? So we leave and the day after we get home, we go through the process again. After even more hours on the phone with tech support, then customer service (I was steamed), only to be switched back the tech support (who tried to help but was unsuccessful), we were told that a ticket would be written and we could expect an email to resolve the issue. Every time we were talking with tech support, they could only walk us through the same steps. As a work around, we have had to establish two separate accounts AND now have them sending us two separate paper statements so that they could get paid. Waiting to see the email to see if this is resolved, otherwise, we are canceling our accounts.

by Hya57

I’ve loved Citi for years, but lately the mobile deposit feature is super glitchy. 9 out of 10 times I get a message that the amount I’m entering is not what is written on the check. Uh, yeah it is. Then after trying multiple times it tells me I can keep trying, go to a this app Branch or ATM (no I can’t because there are barely any branches and I don’t live near them) or I can mail in my deposit. Are you serious? Mail it? Through the post office? That would take days! I need my money available now. What a terrible suggestion.
Normally if I just wait it out and try again later in the day it will let me deposit it. Super annoying, but doable. However today after trying at different times of the day it still is not letting me. I tried chatting with Amie through Citi . She also suggested mailing it. No no no. Tell your people to stop saying that. That’s why we have apps and we shop online. Then she said to try uninstalling Citi and reinstalling it. Didn’t work. Citi is glitchy!!!! Please fix it!!! I don’t want the hassle of switching banks, but if I can’t deposit my checks without major inconvenience I’m going to have to go local. I have loved Citi but it’s not working!!!
Have you noticed that even though you have a 4.9 average review, the majority of the recent reviews are super low. Please figure out how to not make the updates mega stinky!!!!!!

by Josiah Lakoduk

The interface isn’t very intuitive and the user optimization is disappointing. I use keybind shortcuts for my email addresses, and when I used it to create my account this app’s system added the keybind “em1” to the front my my email. It didn’t let me use the password I wanted, instead forced me to add these superfluous special characters (I get why one might *think* that improves security, but in actuality it’s just a hassle and makes passwords harder to remember. Length is what’s important not being forced to use a capital, number, and special character).

After registering my new card on mobile, I wanted to log in online (via computer not mobile) because I couldn’t find the features I wanted on the mobile app but it told me that my login credentials were only for mobile, and that I am forced to open a checking account to use the computer features. I tried to create a checking account, which isn’t what I want, and it’s not even letting me do that now. Not sure if I’m just a one-off unlucky customer or what, but this isn’t exactly a smooth experience as of now.

by DotslashGatsby

Citi has the most confusing layout and unintuitive user experience. I feel like this was built by 20 managers and 20 different silod engineering teams. The error messages are vague, Citi always feels like it’s 1 step from falling apart, and god forbid you try to figure out how to do a simple action like setting up reoccurring transfers.

It took me forever to set up reoccurring transfers and then I kept getting emails at odd times (no where close to my transfer date) about a transfer pending. Of course this money could cause my account to over draft if it’s not near payday so this is alarming. Good luck trying to figure out what’s going on because this menu is buried deep within 20 submenus that aren’t intuitive. I had to perform a brute force search just to find it. Even then when you get to the page it’s extremely unintuitive to cancel or modify reoccurring transfers.

Citi was built as if someone took a user experience course and decided to do the complete opposite of what they learned. If I could get the same APR somewhere else I would drop Citi/account within a heartbeat

by Mallarue27

This has to be the worst experience that I’ve ever experienced with a bank. Seriously. I’ve been with BOA for years and thought I’d switch it up to see what other banks offer, but after this I think I’ll stay where I’m at. From the consistent technical issues with Citi to the incompetent customer service. I can’t deal with this. I set up direct deposit to have my direct deposit set up from my job and for some reason the account or routing number wasn’t recognized and caused me to have a paper check sent to me, which I had to wait on. I called to see what went wrong, and got different answers each time. There has been multiple technical issues since I’ve opened an account, and I call multiple times just to see if everyone is on the same page, and I get different answers each time. They really need to hire a proficient IT team because whoever is running this operation is totally off. I’ll stay with BOA where I know customer service is superior, and they rarely ever have technical issues for the years I’ve been dealing with them.

by TheForestOfHandsAndTeeth

I loved everything about Citi until it started acting up a few weeks ago. I couldn’t login and I kept getting an error message every time I tried. It turns out that, when you have to get your lost or stolen card replaced, Citi doesn’t delete your old card info and that eventually corrupts your account indefinitely. You have to delete Citi , create a completely new login (because the old login is now corrupt), and re-register your new card. After speaking to a representative, I found out you have to do this EVERY TIME you have to have your card replaced. Super annoying and inconvenient. Especially since my new card arrived MONTHS ago and it only now started acting up? I didn’t receive any type of information that something like this could happen. The associate I spoke with over the phone to try and clear this up was also quite rude. Aside from that, Citi is fine, but CapitalOne is definitely better all around.

by Babboozled

I have used Citi for many years on my iPhone SE with no problems, then one day every time I tried signing on I received an error that this app Bank was having technical issues and try back later. This went on for four days! I called this app and was on hold for 50 minutes, finally they answered and said they inadvertently deleted some files in multiple accounts, not just mine, and this caused the issue. Instead of saying my sign on and password are incorrect when I tried logging on because of the deleted files, they elected to say that they had technical issues which in my mind means files are ok just computer hardware issues . After over two hours of working on this issue and re-entering all my info, I noticed that my thumb print capability was gone. I had to sign on with the password, not only that, this app insisted on calling with the password, text was not an option. What a pain, really! Finally, the next day, I decided to delete Citi and reinstall. Guess what, I got my thumb print capability back for sign on. Talking about a waste of time. I don’t have any of these issues with three other major banks which I use. Disappointed!

by BreakfastBurrito7

I’m a huge fan of this app for the last few year and highly spoke of their service between my friends and family. As one time I was in Ireland and needed assistance with insurance with specific letters requested by the rental, this app stepped up and helped me in minutes over international calling. I was genuinely impressed.

2 years fast forward, I wanted to get my rewards after 1 year of wait period. They suggested I should call closer to my rewards statement date and they can hep me with it. Today I called to do so as I got closer to the date and turns out, they don’t do that. Regardless of the situation I’m in(had to move out of the country because of COVID) and they aren’t willing to give me my own rewards money as a statement credit. I’m not even asking for a deposit to my account or anything like how AMEX does the way you want it. They said they might do it maybe in Nov/Dec of the year. That’s about 20 months in total to get your own money. How are they so rigid to get the customers own money. Maybe I’m overreacting but I’m genuinely disappointed in how inflexible they are with their terms in these unfortunate situations.

by Jvnice

Citi has improved, but also with so many changes it has become more complicated to use. People want to use familiarity, every time they update Citi , you have to learn how to do things differently every single time. For example, when you would transfer funds from one account to the other, before you used to select where you are taking the funds from and where they are going to, now when you go to the transfer section, it doesn’t tell you where from or where to, the moment you pick an account, that is automatically y where it is going to transfer to, and what’s worst it is the second line in the transfer information screen, before the first account you chose was where the money was coming from, and it was the first line, now it’s the second and it it the destination, when you try to correct it, you have to exit the entire section, and choose where your transferring to instead of just choosing another account.

by Quicksilveeer

What’s the purpose of having an app themat doesn’t work? I have been trying for days to make a payment to my account. My payment is due on the 22 and if this doesn’t get fixed im have to call in which i dont want to do. I like doing everything digitally, and this is causing me an inconvenience because that means i have to call in and wait on the phone to get assistance over the phone. Why? Because Citi doesn’t work at all i try clicking on the option to make a payment and it doesn’t do anything. Also any other option is available it looks like all the options are greyed out and it does not respond to any of my commands worst experience I’ve had with a mobil banking. I own other credit cards with other banks and there apps work just fine. This one i find to be complete trash.

There was a recent update to Citi and it continues to be absolute thrash it still doesn’t allow me to process payments. When will you fix this. This a total inconvenience.

by Joel.angel

I normally don’t do reviews but I HAD to do some for the this app Bank mobile app. I previously had a checking with this app Bank but closed the account a year back. More recently I opened a credit card with them and it’s not allowed me to see the FULL potential of the mobile app. I love it!! Citi is super simple and intuitive, it has many features that my other banks offers but then also offers some powerful tools, such as being able to filter my transactions down to the T, and even search transactions by name (which you would think is a given form a banking app but my other accounts with another bank don’t even have this simple tool!)
Citi also takes payments to another level by adding a visual aspect. Once I enter the amount I’d like to pay, it shows me on a graph what percentage my payment will cut out from my total balance.
Citi ALSO breaks down my spending by month into another graph, showing me what categories I’ve spent the most or least on (such as 40% on food, 30% on merchandise, etc.)

Overall, I can’t say enough good about Citi! Keep it up this app.

by Kuron Kuhr

This is the most useful app out there for this app cardholders. Thanks to the this app app, we discovered that, while on a cruise, the cruise line was charging some unknown person for our onboard purchases (their mistake). The cruise line does an authorization for every onboard purchase made and none were showing up on our account on the this app app. A trip to Guest Services got us all fixed up. This would have been a big nightmare for us and the other mysterious cardholder if it hadn't been nipped in the bud. The this app app has been very handy for us in many other ways too. When we make a purchase in a foreign currency, the purchase shows up instantly as an authorization in USD so we can see the exchange rate on the purchase. Then there are the obvious benefits of seeing unauthorized charges before they hit your account, how much is left on your credit line and checking statement, making payments, etc., etc..

by Fuzzyhairedchick14

I’ve used Citibank for over 5 years, and have always loved Citi until I got a new iPhone SE. First I was locked out of my account, and the thumbprint was disabled. So, like others who left reviews, I have tried to reset my password to unlock the account. I went through the process of resetting a new password, and think it will work now right? Nope. I tried to manually log in with the password that I reset, and there’s still an error message coming down in red saying there’s something wrong. I have been trying to reach support by phone or online for nearly a month, and have gotten nowhere. The call in lines are always full, and the automated system doesn’t include this issue. The only way I can check my balance and make payments is over the phone with the automated service. Thank God I can pay over the phone, otherwise I’d suffer from late payments and interest fees. This is unacceptable for a financial institution!!

by WestCaliRose

I love Citi and how simple it is to navigate the features, including the free updates on your credit score. You can also live chat with someone during regular working hours, it’s great! My only reason for giving it a 4 out of 5 would be customer service and miscommunication. I had a fraud alert early August. They notified me quickly to go over the charges and so forth. They closed my account immediately and communicated that a replacement would be on its way. Not stating as to when it would arrive, but soon. It’s already been more than two weeks and this shopaholic is experiencing credit withdrawals. I am very much accustomed to a certain company that will fed ex your replacement within two days! I called and asked about the shipment , one month USPS. I’m over here like.... “You guys obviously don’t want me to spend?” What’s a girl gotta do to get this envelope?! Losing my patience and most definitely contemplating a switch. This con so far is outweighing the pros. On another note, they need to reconsider the quality of their Costco this app Visa. The sides fringe after use. It looks like they plastered a sticker on their that might easily peel off.

by Upset Customer 85

I contacted city bank to ask them why online services and Citi have been down for a week they literally told me they can’t do anything about it right now and they don’t know when it will work again. Then they told me to call them whenever I need something from them, like it’s the 1960’s. Seriously? Worst bank app ever. They should be ashamed.

Update: here I am months later having the same issues. Not only is Citi down and not working but their website is down as well meaning that this major bank currently offers no digital access to your account and you ya e to call in or go to a branch to get anything done. Wow they are truly setting a new low for banking services. I wish I could rate Citi lower than one star because they don’t even deserve that.

Update: another week later and I’m still unable to login to both Citi and online. I called customer service which is in the Philippines and they gave me nothing but excuses for why none of their online services work. Terrible customer service and even worse app. They expect you to call them for everything like it’s the 1960s!

by Jmack71

I am not sure what happened but after upgrading to an XS Max, I have had no end of problems. Facial recognition stopped working after the last update, and now, Citi will stop allowing me to sign in every week or so. I can go to the computer and sign in. When I do that, I get a message that Citibank has determined that there was a suspicious sign-in attempt (me- trying to sign in on my iPhone app)- forcing me to change my password. Once I do that, Citi works for a week and then the cycle of inability to sign in, going to computer and having to change my password starts all over.

Worse was when Citi lost $500 that I was transferring between accounts. Money came out of my checking account instantly but did not get credited to charge account. Took many phone calls (checking account staff can’t see charge account and vice versa- and they cannot talk to each other). Took over a month to get my money back. As a result, I will only transfer money between accounts at the bank. The irony is that every time I do that, Citibank sends me an email telling me I should make the transaction through Citi .

by Hawkhead978

These ratings are going to go down after that last App Update that makes Citi more confusing with less features. I am a US citizen living abroad. When I transfer money from my Savings to my Checking, I have to wait for the “real time” here to catch up with the “real time” there. I’ve called and complained but the new update did nothing. I should NOT have to wait for my money to move between my own accounts. And imagine trying to explain that when I call in and am talking to someone from the Philippines—they just don’t understand the different time zone concept. They keep saying that I need to select “now” which isn’t even an option. “Now” here is 16 hours later than “now” I’m the US. The only reason I have to keep all my money in my Savings is because someone frauded our account and kept calling in and saying he was my husband and Citibank would not tell us how much of our personal information the guy had. When I finally spoke to someone high up in the fraud department, he told me “well I’ve been working fraud for many years and social security numbers are public information.” Seriously! I think he was saying that so that Citibank did not look so bad bc of the breach. Or he did not want us to sue Citibank?? AND NOW, the new app no longer allows for global transfers! I have to login for that! Why even use Citi if it keeps digressing!

by Popeye'78

We have two accounts and have been with this app for over 12 years. Every month, we go online and pay both accounts through our separate payment account. Then tried to use Citi. Could not link, so we called technical support. Finally got one account activated before leaving on trip. The following day, before departure, we tried to pay both accounts. By setting up the mobile app, both accounts became unlinked, as well as the payment information. After well over an hour online with a rep that could only read from a script (she did not listen to our problem), she said that the account was pending and to try back in 24-48 hrs and enter in the information again. How is that pending as we are redoing the process? So we leave and the day after we get home, we go through the process again. After even more hours on the phone with tech support, then customer service (I was steamed), only to be switched back the tech support (who tried to help but was unsuccessful), we were told that a ticket would be written and we could expect an email to resolve the issue. Every time we were talking with tech support, they could only walk us through the same steps. As a work around, we have had to establish two separate accounts AND now have them sending us two separate paper statements so that they could get paid. Waiting to see the email to see if this is resolved, otherwise, we are canceling our accounts.

by LeondubCOE

This is the worst app I’ve ever tried to use. I’ve tried every method possible to setup the online account with my new this app Visa card. It’s been a 3 day nightmare. I’ll be damned if I ever actually bank with this app. I’m a very tech savvy person that helps run an automobile internet department. The card comes in the mail. I download Citi . Answer all security questions. Access denied and now I must complete the process on the website. Why do I have Citi then?! Go to the website and they do not only not recognize my login but they also do not recognize my new credit card using autofill or manually entering the card number. Go back to Citi and it gives instructions to call the 1.800 number. Pretty archaic way of doing business but ok I do that. The automated system doesn’t have any information on file. The card FYI is now an active card. It’s been so long dealing with this that I now have already received a statement via email. I try and access my account from the sent email but once again denied access due to login restraints. Now I must wait 5-7 business days for an even slower way to process and shuffle money from one account to another and yes that method being regular postal mail. Had it not been for Costco offering 1-4% back on purchases and discounts I’d have Citi, card and bank thrown out. Very difficult to deal with but good luck getting any type of help from any employee of this app bank. They are by far the worst.

by AaronAbasolo

I just launched Citi , and it worked OK, then I saved my PDF statement, and when I returned to Citi , it refused to work, saying “In order to continue using Citi, you must upgrade.” WHY? Was there some security risk? ... I doubt it; they just want to force me to see “what’s new”, which was nothing I cared about anyway. Why inconvenience me with a forced “upgrade” if there is no security risk? As they say, “If it ain’t broke, don’t fix it! Plus, Citi is very BLOATED; it’s almost 200MB, which is waaay too big, 4x what it should be. I guess the developers don’t really understand how to keep it small, and just accept system defaults.

Update: It did it to me again, as soon as I viewed my statement as a PDF, when I was done, it forced me to “upgrade”; unfortunately, it was a DOWNGRADE, because it no longer shows you the statement balance and amounts paid, now it only shows the remaining balance, and I had to go to the PDF to get the rest of the info, and the jackasses forced me to come here after that!

Oh, and get this: If you DON’T log on, you see more info in “snapshot” mode than you do if you DO log on; how ridiculous is that?

by :::::::::::

I’ve had Citi for a long time. I’ve had a credit card linked to Citibank for over a decade. But today, when I tried to set up my app with the thumb print, it not only didn’t work...but it locked me out. THEN...when I tried to reset password, which is all it lets me do to get back in, it asked for my credit card number for verification. I entered all the correct info...and it tells me the card isn’t linked to my account. Uh, yes it is. But it says I can link it now...so I play along and do that, it says I linked it successfully, which is just swell considering it’s already been linked for many years, but whatever makes you happy. So I go back to signing in, it says I’m still locked out and to reset my password. So here I am in this loop again, but thinking...at least I know for sure my card is linked. So I go through that, put in the number and info...and AGAIN, it tells me the card isn’t linked. I actually tried the whole loop another time!! And it doesn’t work! Citibank, please! Pay attention, your app has bugs, bad ones, and gets stuck in a loop without any way out. You have no idea how annoying this is! So after 10 hours, I’m STILL locked out with no way of getting in. You have a lot of fixing to do Citibank. Please...make this fool proof. You probably don’t realize what goofs this has going for it. I do not recommend Citi. I used to, but not after today, this is too big a boo-boo.

by StefanMRK

this app makes many updates, so always keep enough data space left on your hard disk. App is far away from being perfect, but for almost everyday banking things it's acceptable. If you pay your own credit card invoice and just transfer between your own this app accounts, it NEVER shows the amount! The screen shows 0.00 only, that could be a surprise (happened on e to me) and it transfers the full open balance which of course was way different to the invoice amount, why pay too early! (pay in full EVERY month!) Infos pretty up to date otherwise, account easy displayed, FICO score shown for free and Thankyou Balance all available once you log in to your account within Citi . BUT as said, if you know how a EU (or even better, a German) Bank works, this is going back to stone age with this app! (Maybe that's why Citibank pulled out of Germany, years ago? Couldn't keep up!) From the safety features, 1 step log in and transactions is NOT safe, i think, but again, it's a US Bank . . . Safety means not much in the banking sector, so is Citi, but it's the same with BoA and Chase too. 👎🏻 Just so you be warned! It's your money, never trust anybody with it, not even your Bank or there App's 😉 Always double check each transaction.

by Pay To Play??

Citi functions perfect i truly have no issues with it..my only problem is the first page that you pull up with your available balance(s).. It will show 0.00 when it is actually in the negative.. Not letting you deposit in time to avoid overdraft fees.. The same goes with making payments.. If i make a paymwnt today.. I want to see it hit my account and i want that money to go out today.. Too often do i check my balance see its good and a day later i log in and i got hit with overdraft when i saw a positive balance less than 24 hours ago.. Or a payment that i place today does not go out or post until 3 business days later.. But like i said those are banking issues not app issues.. Although it could show balance an then true balance underneath if it is in the negative on the first screen )quick menu)