When guys sign up for mygirlfund, they are given 3 free message credits to use at their discretion. Since they are free, they do not have any cash value when they are sent to you. You will be able to see these zero cash value messages in your fund activity detail.
Although you do not receive a financial contribution to your fund for these messages think of them as hot leads. A contributor is interested in initiating communication with you and it is very likely he will be interested in contributing to your fund. To maximize your earning potential it is best to reply to every message that is sent to you in a timely manner.
Premium members also have the ability of sending live chat requests for free. These messages are also free and do not contribute money to your fund.