If you change your bank, it sends you back to the beginning with instacash. For three years I used this app. I get paid once a month from two sources. So, because I have two deposits a month, instacash cannot detect both. The app didn't have this problem for three years, but now it does. I have to wait three months and I am not sure what will happen then. The app says it can't detect my income. I am about ready to drop this app.