Disappointing to say the least! I used the app multiple times with no problems. I never had an issue paying the fee or tip because I felt I was paying for a good service. One day I get an email saying my bank disconnected and to please reconnect it at my earliest convenience. I have NEVER been able to reconnect again. My bank shows it is still able to be confirmed by Plaid, but I can't get Earnin to reconnect. I've reached out the customer service and they amazingly can't help at all.