I initially had issued connecting my bank which I was able to resolved but it took a day to do. Then I waited as they verified my account and then everything was hooked up. I read the reviews listed here and I can give them 5 stars based on the customer service alone. All my emails were responded to promptly, the questions answered and everything explained. I actually filled out a survey for the rep helping me because she literally took the time to explain everything and help with the account hook up. I haven't actually used the service because by the time everything was ready to go, my payday was the next day. I'd say from download to activation it took 2-3 days. You can email them screenshot of the deposits and debits for faster turn around.