Hey MVP! Great question. Yes, Instant floats always incur a cost of $4. The reason is, we use a third party to quickly get you the cash and they have a fee for using their service.
If you'd like to avoid these fees, we recommend you choose a Standard Float, which will be delivered in three (3) business days or less. If you'd like to plan ahead, you can set up account balance alerts in the app to give you a heads up when your account is nearing your limit.