I think the main difference is in the quality of the experience. Their mobile app is a joy to use, and the integration with the actual banking side of things is

I think the main difference is in the quality of the experience. Their mobile app is a joy to use, and the integration with the actual banking side of things is reliable and instantaneous. Instead of a separate budgeting app and banking app, you can tweak your budgets from the same place that you deposit checks and transfer money to other banks.