I wasn't sure in the beginning, but after using their service for a month, I can honestly say it's quite good. The improvements are solid, and I see them grow each time I clear my previous payment! I get paid early, usually 2 or 3 days ahead! There is a subscription fee, which is a bit annoying, but it's nothing compared to the outrageous charges banks put on things like overdrafts, often over $30! Ridiculous!