0 stars out of 5. Earnin took out a preauthorized debit I forgot about, I lost my job during that time, and the pre Auth debit it took out made my bank go into the negative. I got ahold of chat support, they said that after it's pending and funds aren't avail that it would make my account positive in my bank, if it cant go thru - WRONG! I have closed my Earnin account now due to this, but I would like my bank account back in the positive, that earnin did not check before accepting the 100$.