Most of the time, it'sbeen decent, but when my deposit was rejected due to the amount ($10k limit), Earnin reversed it to my employer. That part is fine. BUT instead of contacting me with a debit reschedule date, since my deposit goes through them & they knew it was reversed, they automatically charge my bank account that same day, 10 times (once per deposit instead of 1 full debit) resulting in $320 in return fees. Customer service is a joke & based on pre-scripted prompts. No help whatsoever.