What to expect:

1- Download the app and verify your email address and phone number.

2- Connect your checking account via Plaid®, where you receive your income and have day-to-day transactions.

3- Sign up for a Free or Premium membership (subject to an annual fee). For your convenience, with a Premium membership, we break down your annual fee into biweekly payments of $9.99.

• All products and services under the Premium membership tier are offered to our wonderful active-duty service members, their spouses, and dependents free of charge.

• You may cancel your membership at any time via the Settings tab in the app.

  • After you cancel, you will not pay the bi-weekly fee under Premium membership.

  • Your active membership will automatically be canceled after 12 months, at which point you can renew it by reconnecting your bank account via Plaid®.

4- You may apply for growing Bridge-a-Gap “BaG” cash starting from $20 or $50 to $200, subject to approval. No Social Security Number is required.

• If we detect that you have not logged in to your account for over 90 days, or otherwise are not actively utilizing the Premium membership products and services, including BaG Cash products, we will automatically downgrade your membership tier to Free so you won’t pay the Premium membership fee without taking full advantage of its benefits.

5- If you maintain your membership, as an active member, you will have unlimited access to:

• Bridge-a-Gap “BaG” cash, growing over time from $20 to $200 (subject to approval and terms and conditions),

• $0 funds transfer fee,

• Discounted expedited funds transfer fee,

• Pay & Transfer products and services to send funds to others instantly,

• financial wellness products (powered by AI),

• upcoming payment insights (powered by AI),

• automatic payment rescheduling,

• automatic payment breakdown to smaller payments,

• income and expense insights (powered by AI), and many more.

6- You may cancel your membership anytime via the "Settings" tab, regardless of your BaG cash status, which takes less than 30 seconds. Alternatively, you can email Customer Service to have a Customer Service agent cancel your membership and deactivate your account. The Customer Service email address is on the App's Settings screen: support@creditconvey.zendesk.com.

7- You may also contact Customer Service if you'd like a refund of your last paid membership fee after canceling your membership and deactivating your account. Customer Service strives to respond to every inquiry within 24 hours.

See the FAQ Page for more details.

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