Raymon discovered about Chime by means of his daughter and his girlfriend. His daughter had simply gone to school, and Raymon typically wanted to ship her cash. And his girlfriend lived in one other state on the time. It was simpler to ship cash backwards and forwards as soon as all of them had Chime.

“It got here from two individuals I like and belief,” he says of his Chime origin story.

For Raymon, the enchantment of Chime was having the ability to simply ship cash to family members by means of Pay Anybody.¹ Outdoors of that, he didn’t find out about all of Chime’s different useful options. Actually, he first discovered about SpotMe accidentally, when he spent greater than he had in his Chime account.

“At some point, I believe I had $15 on my Chime Debit Card,” Raymon remembers, however he swiped his card for a bigger buy with out realizing it. “And it went by means of! And I used to be like, ‘How!?’ That’s how I discovered about SpotMe – by Chime recognizing me.” 

As Raymon found, qualifying Chime members can overdraft as much as $200 with out charges, on each debit card purchases and money withdrawals.*

“It’s like asking a good friend for cash,” Raymon jokes. “I don’t even must make a telephone name. It’s like, ‘Hey, Chime, can I take advantage of $50?’ And Chime says, ‘Yeah, positive!’”