Poor app construction.
I used to work on projects to develop and implement corporate software. I can't believe what a poor product this is. All i was trying to do was set up auto bill pay for my premiums. Had to walk away from the app in frustration. NOT intuitive. Insists on sending me login verification code via EMAIL not text 🙄. Who does that in 2024? Too many layers and logins required to perform the simplest tasks. This is obviously an old system with extra bits cobbled in to comply with modern security needs. Cough up the dough, excellus, and make an app that does the job for your customers.