Really thought this was great til I used it a couple times. My paycheck normally is deposited on Wed but not at a set time. So it may be noon or 8pm. Earnin takes my payment out at 12:01am which causes an overdraft and refuses to change it. They will not honor anything they asked me to send them as proof. I sent multiple screenshots but nothing was ever good enough. Sad thing is this would be a great app if they learned to work with their users!!!