SCAM!SCAM!SCAM! They do whatever they can to get money from you, if you use the instacash feature they badger you for a tip at least three or four times per transaction to the point where if you're not paying attention it's very easy to to select a ten dollar tip. DO NOT DO CREDIT BUILDER PLUS, THEY TOOK MY PAYMENT AND SAID I DIDNT PAY. They said the transaction declined however I went back and did the math by hand and the payment is DEFINITELY missing from my account. DONT PUT YOUR MONEY HERE