I haven't even used the service yet and already it doesn't seem like it's going to be a good fit. It calculated my pay date 1 day earlier than it's actually supposed to be, which makes me assume that the info is going to be calculated that my paydays are Thursday. My official payday is Friday and always has been. I tried the chat and got the same lame excuse that my bank processes paydays 1-2 days earlier. Now that may be the case but that's the exception, not the rule. I just don't know why they would want to set someone up to overdraft.
Bottom Line: No, I would not recommend this to a friend