I couldn't believe that my bank account was debited and I got an overdraft I saw the reviews and the words were my exact words. This is so crazy how people are so busy scheming to take from others to benefit themselves. We live in a world of unproductive Parasites! I don't go to payday loans because I want to but because I have to. The payday loan was my temporary way to stay above water. Things happen so quickly that I forgot about the credit union. This is a wake up call for me. I found a few payday loans that were kind, considerate and helpful. Until I come out of this situation I am going to use the ones I know. One thing for sure people who are takers end up losing. It's disappointing and somewhat rough but we're going to make it inspite of this temporary set- back. All the stars are gray because this is terrible. Mal