I like that it's easy enough so anyone can use, but still has advanced features if you need them! It is very user friendly with all of my online bill paying needs including direct deposits from employers as well!! The only thing about this service (or any) bank account/online banking services in general would be how complicated they make things when trying out new products or websites - there are many different options available now which makes choosing one confusing at best sometimes. Try using their free trial period first before committing too much time into learning everything your looking forward towards accomplishing through these types of accounts. !