This app was 5 stars. I didn't mind tipping out as I understood the purpose. However, I am quite upset with the brand new $3.99 fee for lightning speed cash outs. Unless something within the by-laws of banking, I can't understand the reason behind not charging a fee before, and now jacking it up. $3.99 is higher than some ATM fees, and the purpose of the app is for and emergency $100 (not any hire allowed). For a free transfern it take 1-3 business day. Not very convenient for an emergency.