Yeah it's a NO! For me my first time using it the app was hours 12, delayed. It's been a month and as I make transactions some take effect on my balance and some don't. So the next day or so my account is possibly in the negative. I've had 2 pay periods both over $600, I've used spotme paid it back, referred friends and send & received spot me. Still no increase from my $20 spotMe👎