I was really disappointed by this app when I applied for opening Citi Plus account, and for anyone who's signing up the citi-plus account, don't recommend!!! It took a long time for me to take approved photos of my ID. After the photos were being digitally approved, a bank staff called me the next day, claiming that my ID proof can't be accepted and advised me to visit the actual branch to submit it in person and schedule a time slot for me. When I visited the branch, the staff seemed clueless why I was here, and advised me that It took 50min to re-submit my application. The notice I got from the bank was that my information was saved, but the staff needed to log into the system to re-do my application and He actually struggled throughout the online submission process, kept asking assistance from his colleagues, further lengthened the application process. The whole experience is AWFUL! It started with the failure of the app to approve my personal info, then it went to the disconnected communications between online-to-offline bank staffs; Then the clear instruction that the staff gave to the customers, how long it took customers to finish the process, to the technical know-hows and Customer service skills of the client-facing staff... I was stuck in the counter for an hour... I'd demand an apology and action plans from you to improve the situation!