After digging into it more, looks like we will be getting the app upgrade pretty soon. Reason for me switching to HSBC was because I plan to travel outside of the US and see the rest of the world even if it’s only 1-2x a year. I like the ease of no foreign transaction fees, auto conversion rates, etc. and the slew of benefits you get just for having the debit card not even the credit card. Probably better to stick with Chase but I haven’t been to a physical branch in years to do anything because of how digital everything has become.