At first it seams convenient to be able to get money before your payday, but Earnin has consistently submitted for their payment from by bank before my payday causing my checking account to be overdrawn. Most recently they submitted for payment on a Saturday, overdrawing my account and leaving me with no money for even basics over the weekend when my payday is Monday. I canceled my account and feel what they have done is unethical. Their customer service was highly trained to talk in circles. What a disappointment!