Annoying app
You can't change your password with Apple keychain. When you go to enter a new password, you can't copy/paste into the new password box, so you have to remember what you're typing and passwords will be less secure.
You can't change your automatic transfers if you have no money in your account. I only have money in my account one day every two weeks, so I can't change my automatic payment, which I need to do to prevent late fees, unless I remember on a Saturday morning.