Went from free instant transfers to $2.99, and now $3.99. And I'm expected to tip on top of that? Not to mention having to CONSTANTLY verify my pay dates. Why do we send in copies of paychecks, when you go by the bank deposits? Customer service is awful, as all you get is copy and paste answers. After this final payback, I'll be deleting my account, and going with the competition... UPDATE: As one can see, one issue was addressed with a standard copy and paste response, the other was ignored. Good job. Will still be deleting this service once done. MoneyLion is a better alternative to this app, offers banking and investment options, and their personal short term loan is deposited into your MoneyLion account (for which you will have a card) for free, the daily/weekly max is higher, and they will not access their money till the employer specified payday, and not base their draws on when deposits hit the bank. Prior to payday.