It used to be free, but now they charge you $4 for instant transfer. People tip to cover transfer fees, now you want tips AND $4 for instant transfer?! You won't get a tip if I have to pay $4 for every transfer. I downloaded this app for instant cash in really hard times to cover me til pay day so I didn't pay negative bank fees. I spoke highly of it. Now, you can only transfer to your bank within a few business days which defeats the purpose of why this app was created.