Credit Convey App provides Financial Wellness insights and alerts about your daily balances, income, expenditures, and cash advances, also known as Bridge-a-Gap Fund (BGF), with education, motivation, and cutting-edge technologies. To access these services, you MUST keep your bank account connected to the app and maintain your membership active by paying a membership fee. So long as you retain your membership active, if your bank account is at risk of being overdrawn, you can request a BGF (commonly $10 non-growing or $20, $30, or $40 growing) to avoid impairing your finances. BGFs are offered to all clients with qualified accounts (subject to approval). BGFs are not loans or traditional credits. After your necessity has passed and when you have sufficient funds, if you choose to return your BGF to your Credit Convey account, you can access it again and again, each time with a more significant amount, growing to up to $150 (subject to approval). You may choose to receive your BGF with Standard 3 business-day delivery (free of charge) or request to receive it Express within a few minutes (or same-day) by paying an express fee, which varies and will be shown to you on the Checkout screen based on your BGF amount.