“This app uses bait and switch tactics by saying you will qualify by connecting your bank account then requiring you to switch direct deposits to them. It is considered deceptive practices by the FTC.”
Independent automated assessment · 3 signal sources · 1,010 reviews scanned · analyzed 2026-10-05.
4.7 ★478,775 ratings
5M+Downloads
4+Age rating
125 MBApp size
FreeIn-app purchases
About this app
We are a real bank, built for the digital age.
Member FDIC, backed by the full faith and credit of the U.S. Government
ONLINE BANKING • Early payday⁵ • No monthly, minimum balance, or overdraft fees¹ • Send and receive money in minutes with Zelle®⁴ • 40k+ fee-free US Allpoint® ATMs² • Up to 3.75% APY on first $5,000, quals apply¹⁰ • 1.00% APY on additional balances • Auto-saving tools • Unlike many money apps, we’re a real bank
INSTANT CASH ADVANCES • Borrow up to $250 today. Quals apply³ • Work up to $700 cash advances over time with direct deposit³ • Flat fee per cash advance
LINE OF CREDIT • From $600 to $2,000. Avg $825. Quals apply⁹ • No interest, late fees, or penalties • Simple flat fees • Payment periods between 3 and 12 months
FREE SECURED CREDIT CARD⁶ • No credit check, interest, annual fees, or minimum security deposit • Reported to Equifax, Experian, & TransUnion…
Preview
Real screenshots from the store listing.
Independent evidence report
Evidence and review signals
This is where the page changes from an app-store listing into an evidence report: findings, important reviews, pricing and a dated history.
Which version this describes
When we ran this analysis, and what the store lists now.
App Store
This analysis describes version 4.41.0 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 4.41.0, updated 2026-09-29.
Google Play
This analysis describes version 4.40.0 of the app, analyzed 2026-10-04 . The app may have changed since.
The store currently lists version 4.40.0, updated 2026-09-29.
What we measured
Each line is a measurement published as a measurement, never a verdict.
Each line is a measurement, published as a measurement. Where we have not looked, the line says so rather than reading as a zero.
Developer replies to reviews
Replies to fewer than 1 review in 20
Price in the store description
States a price and a billing period
Cancelling, in the store description
Does not say how to cancel
Themes reported by reviewers
1 theme reported
Counted from the reviews we have read for this app. "No theme reported" means no theme reached our reporting threshold — it is not a finding that nothing is wrong with this app, and we do not say it is.
Five-star share of ratings
80–89% five-star
Arithmetic on the stores' own published rating counts. It says nothing about why the ratings fall where they do.
In the package we scanned
No package has been scanned for this app, so nothing is published about what it ships. That is an absence of evidence about the app, not a finding about it.
Graded bands · predicate set 1.4 · how these are measured
What the analysis found
App-specific findings, grouped by what each one rests on. How they are graded lives on its own page.
Positive evidence 1
Things this app does right, published at the same strengths as the catch list.
Developer says data deletion can be requested
The developer's data-safety disclosure on the store states that users can request deletion of their data, or the app's own text offers a way to delete the account. This restates what the developer declares; it is not a test of whether deletion works. Apple publishes no equivalent disclosure, so on an Apple-only listing only the app's own text can support it.
What we saw: The developer's store data-safety disclosure states that data deletion can be requested; we have not seen a deletion control in the app's own text
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
Reported by users: Reports that the ads misrepresent the app
Reviewers repeatedly report that the app is not what its advertising showed. We never see the ad creative itself, so nothing we collect can corroborate or refute this — it is published as an attributed user report: what reviewers say, and how many of them said it.
What we saw: Misleading advertising: raised by 7 distinct reviewers (1.4% of 499 reviews scanned)
Highlighted reviews
Representative public review excerpts shown as user reports, not Appworthy audit evidence.
“Very misleading advertising , not recommended, checks are not available in timlines they indicate, they mislead intentionally and do not offer the services indicated, also customer service is ONLY a text chat person”
“B'S YOU CAN'T BORROW MONEY AND ANYONE WHO SAYS YOU CAN IS OBVIOUSLY PAID FOR THE LIE BECAUSE I HAVE TRIED AND WITH WHAT I GET THEY STILL SAID NO SO IT'S ALSO CALLED BREAKING THE LAW WITH FALSE ADVERTISING”
Assessment & version history
App changes and Appworthy events in one timeline.
Store listing updated to version 4.41.0.
What this app sells
Useful store-disclosed pricing, kept below the app listing.
Business modelFree
Prices and terms as disclosed by the store listing.