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The days of digging up cash when you owe money to a friend or family member are long gone. But the way you use your favorite peer-to-peer payment app might not be the best move for your finances.

About four in five Americans use mobile payment apps, according to a new survey from NerdWallet. And two-thirds of payment app users said they have kept a balance in their payment apps. Just how much may surprise you: 46% said they keep more than $100 in their account. And the average for how high users will let their balance get before withdrawing it? $287.

That money doesn’t stay there forever—half of respondents said they cash out at least once per month, and only 6% said they never cash out.