If I could give zero stars I would. First few times I used it, I had to verify my work email SEVERAL times and unless I'm at work, I don't have access to my work email so that was very inconvenient. Now they want to charge $3.99 for us to get our money or wait 1-3 days. I'm sure most people use this app like I do, for emergencies only. What if, in that emergency, you need exactly $100? And if it's an emergency, chances are you can't wait 1-3 days. I will definitely be finding a different app.