Looks nice and get the Job done.
Yes, it doesn’t have all the fancy features from the big banks, but it has a nice looking interface, has no obvious bugs/glitches that I can see, and gets the job done. Not sure why it is rated so low. I guess it depends on your expectations; I knew that switching from Bank of America to a local credit union that the technology experience wasn’t going to be nearly as fancy. I can manage all my accounts including checking, savings, auto loan, and credit card including making making payments and transfers. Works well enough for me.