I've had this app and account for about a year. I make way more than the required amount for the balance up feature this app needs to be eligible for the overdraft. Customer service is a joke. will send email after email but don't get a response if you do it's so vague. Some days I can't even use my card because it declines so I have to transfer my money to another money app just so I'm I'm able to spend it and not be embarrassed when the car gets declined at checkout or an ATM. Scary.