
Pros
SpotMe overdraft protection: Eligible members can overdraft up to $200 on debit purchases with no fees
Early direct deposit: Receive paychecks up to 2 days earlier than traditional banks when using direct deposit
Round-up savings feature: Automatically rounds up debit purchases to the nearest dollar and transfers the difference to savings
Cons
Limited mobile check deposits: Mobile check deposit only available after receiving at least one qualifying direct deposit of $1 or more
No physical checkbook: Customers cannot write paper checks directly, though checks can be mailed to payees through the app
Cash deposit limitations: Free cash deposits only available at Walgreens, with potential fees at other retailers
