great app concept, but a dissapointment/can't access the cash advance til their card arrives! I have been looking for an app like Moves Financial for a while. WHile there is an OVER-ABUNDANCE of finance apps that will issue its users cash advances and credit building opportunities, they ALL require a checking account that basically must be verifiable using Plaid. Of course, NONE of the accounts I actually use with my employment and paycheck are verifiable this way. Plaid claims Amex serve is but it definitely isn't. As a gig worker (I deliver for uberEATS) my pay schedule is also erratic/abnormal. I am allowed to cash out my pay up to 5 times daily and i often do, meaning i have a daily or weekly paycheck. This baffles those apps.to no end. Because I like cashing out for free, why wouldn't I use Uber's special Uber visa debit card through GO Bank (branch of Green Dot)?? UNfortunately Plaid doesn't recognize Go bank, or Uber visa. it does green dot but because its not actually a green dot account that option is out too. So when I saw that Moves actually connects to your gig employer to verify how much you earn weekly and bases your approval for a spending account and/or cash advance on that amount, I was super excited. I applied for the spending account on a friday and was approved on Monday. WIth my weekly earning average I qualified for a $250 advance and in about a week they said they would start taking out about $14 a week from my direct deposit and this would continue on until the cash advance was repaid. The cash advance was issued immediately to my Moves spending account. It was then that I realized I had no way to access the money. Because they now have a spending account, and apparently will issue and send out a physical debit card upon approval to this account, they don't require albeit even give you the option of linking your own bank accounts to the Moves account. In fact I think they intend on completely replacing your current financial institution entirely. Switching your direct deposit to the Moves spending account is a requirement to accessing and being qualified for their cash advances. They have a pretty decent help center and even offer live chat assistance M_F but it closes at 5 pm EST and I'm on the west coast. I tried to use it this morning to figure out why even after PayPal had done the microdeposits to verify my account and it was a confirmed bank on my paypal account, my transactions havee all been declined. They wanted a screen shot of what it was saying and when i tried to attach it to the chat it kicked me off the chat over and over again. I wrote an email and attached the screen shots instead. We'll see if i get a response any time soon. I have no idea how long it will take for this moves debit card to arrive but i'm guessing 7-10 business days or about 2 weeks minumum which doesn't help when you need money now. Why would i want a cash advance I cannot even access for up to 2 weeks /??? THe help center has a whole section about this issue and they claim you can utilize and access your advance on any 3rd party app that will accept payment with a routing and account number . They list off paypal, venmo and cash app and give step by step instructions how to do so but this is all bull! I did all of this and non of them worked. PayPal verified and confirmed the account after 24 hours but all transactions been declined and its the BANK that is declining them. Venmo transactions and paymets declined too. and cash app wont really let you send someone money with just a bank account and no debit card. you can try. it says the institution declined the transaction. Please Moves, get it together and why the heck are we not issued a temporary virtual debit card like practically EVERY SINGLE OTHER FINANCIAL APP in the whole world does???? it's basically a major security risk to send payment using only someon'es account number and routing number. THose are pretty easily accessible and really this is outdated . Whats crazy is there is NO OTHER APP like this one that will link with my uber driver account and use the payment info off of it directly and not off the bank where the payments are deposited directly too. I want to use and love this app but i need access to that cash advance and it's not looking like i'll even access it before they start taking out money to pay it back! the irony!!

Extremely simple Extremely simple, and the process was buttery smooth. Glad this was made available during these uncertain times.

How arr you guys gonna charge 5 dollars… How are you guys gonna charge 5 dollars for replacements

Need of the hour I have recommended Moves to my friends and all of them including me are very happy with there services. Its Quick and Reliable.

The rates are ok but the company is… The rates are ok but the company is sketchy as hell - no address, no phone number, and the CEO posts about anti-union garbage on his Twitter so any promises this company makes seem shallow. Stay away