I fukk with Chime, at one of my old spots it paid two days early now I'm back to just one day early but I'm not tripping, still a day faster to put it in the savings of my other bank or make moves if need be.
Was able to use it in Thailand n get money out, no issues.
Turn off the card when I'm not using it, throw it right back on with the tap of a button.
Done referred about 4 people n got $200, extra bread is always cool for something I'm gonna use regardless.
Only downfall is waiting for a replacement card since unlike a regular bank u can't just waltz into a physical branch n grab a new one, so if it's your only banking method u can either transfer bread to someone else with Chime or be assed out for a few days, but they're pretty quick with the delivery.
*** If anyone's here is gonna join, PM me for a referral link... we both get $
50 (off your 1st DD of $200+, can switch back after but you get paid early anyways), n I'll shoot you $10 extra for a total of $60 on your end ***