What do you value most in a financial app?

I'd love to hear your take: when choosing a financial app, what do you use or value most?

1. Having a dollar account
2. Saving in dollars
3. Earning yield on your money
4. Access to crypto
5. Or just something practical for everyday payments — like an extra debit card, but with the peace of mind of only topping up what you need and nothing more

Tell me what's the first thing you check when you try out a new app, and why.