I've had a Chime account for about 2.5 years with direct deposit set up and a $200 SpotMe limit. A few days ago they dropped my SpotMe from $200 to $5 and when I called they claimed I didn't have enough money deposited per paycheck to get that limit- even though it's the same deposits I've always had, nothing changed. Really disappointed and pretty insulted to be honest. Transferring banks as we speak.