IT'S A TRAP!! PRO: You get to borrow money (up to $100 per day and $500 per pay period) and the fee is a gratuity of an amount you decide. CON: I've been using this app for almost 3 years. Their, "Lightening Speed" cash out option used to be free, now it's $3.99+gratuity. If your account falls under -$100, (even if earnin is the reason you are overdrafted) you're screwed. They will make you bring your balance up before they let you borrow again. No Vaseline. All that glitters, isn't gold!