I encourage you to read the complaints and lawsuits against Chime. I have been a victim of their lack of business ethics. You will get your paycheck early but after a few months they will close your account, with a balance, and fail to give you answers regarding return of your funds. I have over $800 in my account. It was closed for no reason a week ago. I never filed a disputed and only received deposits from my employer. They accepted a direct deposit on Monday and closed my account on Tuesday, leaving me with no money. It is now a week later and all I get it a brush off and delay tactics. I am one of many many many victims.