I have been having problems with Upromise. First, they stated that they would contribute $25.00 when you refer someone. I referred a few people, and I never got any credit. Secondly, we had several accounts with my mother in law (94 years old) and my parents (both in their 80's). They closed accounts and kept money because I couldn't produce affidavits or the like from the elderly, who are challenged at their age. Looks like they don't care. When you ask questions, in my opinion, they are rude. Not worth it I believe. Save money on some other sites where you can really build up a reserve.