In Bank Transfer, I interpret “Optional Reference” as an invitation to nickname an account. I expect the nickname to be permanent. Instead Reference gets cleared when Bank Transfer mode is exited. I can’t tell if Reference is intended to be a nickname or a transient transaction memo.
If nickname is intended, it needs to be persisted. If transient transaction memo is intended, first move “Optional Reference” below the card and rename to “Optional Transaction Memo”, second create a nickname field where “Optional Reference” was.
I have more than a few bank transfer accounts. I don’t memorize the account numbers. Don’t make me go online and find the matching account number so I know which card is which. Just allow me to tag each bank with a nickname.