As an aside, their website uses a serious dark pattern to trick users into paying. Their app is purportedly for helping you reclaim your fees so it seems like adding a bank account makes sense after you input your email address.

Off to the right you see the text > "...you agree to charge a $36 a year subscription to this payment method."

There's no mention of a $36 / annual anywhere else. It's on the margin to clearly trick the user when simply adding a payment info.