It's ok if you want to use it for spending and saving money but trying to figure out sending money to Venmo has me going insane because I just keep getting an "oops" message.. Even after an hour and a half of looking up what the issue might be.. But it will let me transfer money from Venmo no problem. Also, customer service is either unknowledgeable or the Pay Anyone feature doesn't seem to work like it says when sending money to non Chime members (CS rep told me you can't do it).