"No Wait Pay" is their slogan...more like 'no way to get your pay.' I tolerated the option to transfer to your debit card for free with a 3-5 day wait before it was gone. I get it, I can wait while you use my money for free for a couple days. Banks call that a loan and charge interest. The other free option is to give your sensitive personal financial info to Plaid who is being sued currently for helping themselves to that data for who knows what purpose. That is if Plaid even lists your bank.