This service has been very helpful for me. It kind of works like a credit card. I was able to withdraw the money I needed. Then pay it back to my account. It has worked out really well for me personally. Every once in a while I need a bit more cash and this provides it. However, you do need to be careful as far as keeping track of it all and replacing any money that has been "borrowed." I would recommend this for occasional use by anyone who can be responsible with their money.