I discovered a debit of $19.99 on my checking account, when I open the "check" it reads ULS with a phone number. I called to enquire what the business was and found myself somehow signed up for this ultimate local savings. According to them I had apparently applied for a payday cash loan online and was simultaneously signed up for this whatever this is. I requested a refund and was given a number which I had to use to request an online refund, which I did and got an email confirming that the money would be returned within 10 days. Ten... read full review »