On the surface it’s a great tool to consolidate all of my financial accounts in real time- checking, savings, credit cards, and investments. With a little effort the categorization of each transaction was helpful in tracking my spending. That’s where the usefulness ended. Most categories became cluttered with noise after a while and when I left there were no bill pay tools (not sure if they have those now?). Budgeting tools weren’t smart and at some point I started seeing ads for new credit cards each time I logged in. They has access to every single transaction I made, priceless data, and blew it.