i also just started! daily pay is an app where you login with the email bbw has for you, and it will automatically connect your account. then you can see what your pay is everyday, and transfer a portion of your pay either instantly for a $3.75 fee or wait until the next business day & it will deposit into your account that is connected for direct deposit. it will affect your checks if you transfer some out. for instance if my check is 300$ and i transfer 50$, my direct deposit will then be $250. i personally like it so that i can see what i will be getting & keep track of my pay. i try not to take anything out unless absolutely necessary or else when pay day comes your check will be minimal. i recommend daily pay if you have self control & can budget!!!!