I have been using this app for a couple of months and have no problems. On the app it seems to only update my bank info once every 2 days but I always get my money when I request it and it always takes it when it's due so I don't really see a problem with that. I am the type of person that if something is going to go wrong it is going to happen to me. And actually this is going really good. I was sceptical but with a sick child and no one else would give me money I was desperate. Turned out it was a good decision. I have recommended this to all my co workers. I opted out of the balance shield to try and avoid any wrong that might come. So far so good. Will keep using this app until they won't let me!!