I like the concept of Earnin, and I've used it successfully a few times....BUT...it seems like every time I go to use it, there's some sort of complication and I have to contact customer service. They reply to me only about once a day, even when I respond to them immediately - so it's taken me a week so far to request money. Pretty soon I'm going to have either an overdraw or my payday will be here, so it's not helpful. Something like this happens ALL the time. You have to reconnect your bank (which isn't hard, but it takes time), then they have to verify your account, which takes longer, and this time I can't get in at all. Currently working with customer service.