Warning!!!!! WARNING. STAY AWAY. BESIDES CHARGING YOU MONTHLY fees EVEN WHEN NOT USING THE APP IT WILL ALSP PUT YOU IN THE NEGATIVE WHEN USING THEIR APP. EVEN THO YOUR PAY DATE NEVER CHANGES SOMEHOW IT DOES ON THE APP. NOW IM FIGHTING WITH MY BANK I WILL BE REPORTING TO THE BBB OR WHOEVER IT CONCERNS BECAUSE I HAVE PROOF OF ACTIONS LIKE THIS FROM THIS COMPANY BEFORE. DO NOT USE THIS APP. THEY ARE PRETTY MUCH SCAMMING YOU