This app is a total joke all the way around. First opened got it from a refer a friend link and downloaded through the referral link then opened it through the referral link did what it said to do open a money account and verify my identity then check my credit and wed both receive 25$ was what the link said. So i did that and low and behold neither one of us got our 25$ and on top of that it wouldnt even let me cash my paycheck in it . it uses the ingo money app the worst!!