They steal your money essentially if you don't cash out within a certain timeframe. You can "borrow" money from yourself, never get said money, and then STILL OWE THEM THE MONEY THAT WAS NEVER SENT!! On the same day you get paid no less! This is my second time downloading, won't be doing it again. Dave App is much better and proficient, AND WONT TAKE YOUR MONEY BEFORE YOU EVEN GET IT!!