Name: Jessica
Chime member since: 2020
Favorite Chime features: SpotMe, direct deposit
*Real Member. Sponsored Content.
Building savings with SpotMe
Before Jessica switched to Chime, her bank came with a bunch of overdraft fees – and she was constantly getting slammed with them. It was hard for her to open a bank account because her financial profile was less than perfect. With Chime, she could avoid several types of fees and put most of her money into savings.
“I do like how there’s not… any limits to how you transfer your savings to your checking because [some] banks only give you six transfers. And then, after that, you’re pretty much cut off. So that’s pretty cool. And the no hidden fees part is pretty… awesome, because, like I said, [I] couldn’t have a bank account without all those hidden fees adding up.”
Jessica gets paid weekly at her job as an assistant manager of a gas station. To stay clear of overdraft territory, she uses SpotMe for unplanned expenses and puts most of the money she earns at work into her savings, so her paycheck is “out of sight, out of mind,” according to her.
Paying it forward
Because SpotMe has long been a huge money helper to Jessica, she gives optional tips every time she gets her deposits on payday, which drops weekly. “I literally use it every payday,” she says. “It just saved my life. It really did.”
Chime shoutout: Among the many things Jessica loves about Chime, she also appreciates how there aren’t any fees or limits to how many times you can transfer money between your checking and savings accounts.
She also feels comforted that her money is protected. (FYI: funds in your Chime accounts are FDIC-insured through our bank partners up to $250,000.³) “I feel like my money is secure with Chime,” she says.
“I love Chime, my daughter Chimes, most of my friends Chime. My deposits are always two days early², and sometimes even earlier. I also love SpotMe. I don’t mind leaving a tip because SpotMe helps me and others on Chime!” –$Marcia-Williams63
