Cashed out $100 to be sure unexpected charges were covered in my account until payday a few days later. Earnin charged it back the same day and my account became overdrawn. They only offered to refund my tip and did not care about the fact that they caused the overdraft fee. Also asked for a lot more bank information than was necessary to resolve the matter, a total invasion of my privacy. There are much better services than this out there. I sincerely recommend you use them instead.