I have been an Earnin member for a few years. This service in invaluable and has helped me get through many instances where I needed my pay before payday. Further, their customer service is fantastic. They reply in a timely manner; even on the weekends. Yes, I have had issues with cashing out, but most of those are due to my bank and not Earnin. For those who are considering this service; they are a legitimate service with exceptional customer service!!