At a glance
- Access
- Limits are personalized; advertised maximums are not guaranteed.
- Eligibility
- Requires qualifying income, a supported bank account, and verification of earnings or work activity.
- Delivery
- Standard delivery is free; Lightning Speed delivery has a fee that can vary by amount and state.
- Repayment
- The authorized amount is generally debited on the scheduled payday.
Cost facts
| Cost item | Current finding | Confidence | Sources |
|---|---|---|---|
| Standard delivery | $0, generally 1–2 business days | high | [1] |
| Lightning Speed | Fee shown before transfer; state-specific restrictions apply | high | [1] |
| Tips | Optional where offered; unavailable in some states | high | [1] |
Potential advantages
- A no-fee standard delivery option is available.
- The app shows optional delivery costs before transfer.
Consumer considerations
- Access amounts can change and may be below an advertised maximum.
- A payday debit can reduce cash available for the next pay cycle.
- Lightning and tipping features can raise repeat-use cost.
State-dependent terms
Product features and fees differ in Colorado, Maryland, Massachusetts, Wisconsin, and potentially other states.