I had been using Earnin for a few months and loved it! Then Thanksgiving came and they drafted my payback too early(due to the holiday) causing $89 dollars in overdraft fees. I have sent several messages that included the overdraft fees and they informed me that was not enough proof that their deduction caused my account to have insufficient funds. They refuse to pay me for the overdraft fees that they caused due to their error. I will not be using this app ever again and suggest you don't either!