This has to be the worst app designed by incompetent people. Too many issues to list them all but to highlight one big one. They list out the steps to get an advance. They conclude it with on payday, they will debit the advance from your direct deposit and you can then request another advance. If this was the case, that would be fine. Seems consistent with others who promote similar apps. HOWEVER, what they fail to mention, and yes, it’s written, hidden in some long paragraph on their terms and conditions, is that any deposit that hits the account…ANY DEPOSIT, will trigger the advance to be repaid. For example, if a merchant is crediting back an item to your card for a return, it will trigger the advance to be repaid. I have a $180 advance. At the time, I had a $50 balance in the account. I had a return credit for a return of an item after Christmas of $100 hit and it triggered a payback of my $180 advance which left me a negative balance and therefore ineligible to receive another advance due to the negative balance. I thought the whole point of direct deposit was to ensure payback of advance on payday as they state. Customer Service is the worst too. Might as well be talking to a wall. Stay away from B9. Learn from my mistake.