*Set individualized time for balance notification!!! I've just opened an account. Needed it in a pinch, my friend suggested a solution to a problem and chime was right on schedule. Free sign up, morning balances, easy transfer, and many money tools. That being said I would give it five stars. I have given it 1 for now to hopefully be noticed by the creators because I really need to be able to set my own time for balance notification, I am most likely not alone 0900 is not right for my lifestyle.