So I've been banking with chime for years but still I have to depend on 4 other people whom also bank with chime for my overdraft protection limit to be a reasonable limit everymonth. I should only have to depend on my bank not everyone else. Spotme is the dumbest thing I've ever heard of. So your statement of if it ain't broke don't fix it doesn't apply to this banking app. Because it's definitely broken. Spotme only helps chime not chimes customer s. They only want us to market for them.