I lost card. While waiting for replacement the only way to access my money was to pay a friend that wasn't a Chime member, transfers were instant . All was well til friend opened a Chime account. When I did a small transfer $10 it went to her existing Credit Union account. When I sent $990 it went to chime. Now she can't access the funds til she gets her card. It's been 3 months since I lost mine in fire. Still don't have a working card. The card they sent me has an alleged faulty chip.