I’ve tried quite a few banks in my area, even high profile banks and such. Chime is the best I’ve come across in all my years. I was constantly being charged overdraft fees but wasn’t even aware of it before. With chime, whenever I get charged for anything they notify me; Make sure the transaction is approved. They don’t charge you an overdraft fee, instead they just cover a certain amount of the bill for you, no fees or anything. There’s option to automatically save some of your paycheck, and to round up your purchases into savings as well so you can save while actively spending. It’s incredibly easy to find account info, as your banking AND card info is available on the app with just a simple click (and, Face ID of course to verify it’s you). The referral program is also incredibly easy. $200 (yes, two zero zero), for a referral. $100 to you, $100 to your friend. Do I sound like a spokesperson or what?? But seriously, my friend was on the fence because she didn’t want to switch her direct deposit info over and have her bills come out. I convinced her it was worth it to get $100 for free, and that she could switch it back over to her old bank if she didn’t like it. She ended up loving it, and now all her direct deposits come through chime as well as all her bills and her rent even comes out of chime now! If you think it’s a hassle, or not worth the time or effort, I assure you it is. This is hands down the BEST banking I’ve ever had. Thank you chime!