Chime gives you access to 60-days worth of statement information. Learn More About the Chime Checking Account. In this case, you may find the gas station puts a hold on your funds to the value of $125. 11]Chime - Deposit Account Agreement - Fee Schedule Prior results do not guarantee a similar outcome. Click To Download. Were devoted to empowering your financial growth, no matter where you are on your journey. Chime provides helpful, easy-to-use products and features to manage your money 24/7, on your phone or online. The Annual Percentage Yield (APY) for the Chime Savings Account is variable and may change at any time. With a Chime Savings Account, your money earns a 0.5% annual interest rate without a minimum deposit amount. Chime, Chime itself isnt a bank. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. The Chime app sends daily account balance notifications and transaction alerts when you make a purchase. how to pass the cpc exam 2022 The Stride Bank Chime Address is: Stride Bank N.A. For example, when you enroll in Chimes SpotMe service, you can overdraw your account by up to $200 on debit card purchases without a fee. With its innovative strategy and beneficial features to individuals not in ideal financial standing, Chime continues to grow in popularity and create new ways to make banking easier and more accessible. It may also not be the best option if you like to travel or shop online with international retailers. A+ experience. Tommy Gallagher is an ex-investment banker and founder of TopMobileBanks. We just ask for your name, date of birth, address, and social security number. Metro DF Font. You can pay anyone, set up direct deposit, automate your savings, and manage your money when youre with Chime. topmobilebanks.com is owned and operated by Creativity Style Marketing Pte. Of course, none of that is going to happen. Our software makes quick work of file conversion from your PDF. or Stride Bank, N.A., Members FDIC. Its only a little bit of money, but the more you use the card, the more youll end up saving. (Thats not meant to be a rhetorical). With this increased scrutiny over credit scores, Chime and other challenger banks may start to up the ante on their credit services such as providing more features and benefits to boost existing credit scores. Of course, any Chime review needs to take a look at the customer service options and availability - so you can choose if Chime is right for you. All Rights Reserved. If youre unable to open a Chime account online, it may be because Chime is unable to verify your personal information. All Chime accounts are FDIC insured up to the standard maximum of $250,000 per depositor, for each ownership category, in the event of a bank failure, through its partner banks, Stride Bank, N.A. Instead, Chime gives you access to your funds quicker. Your financial situation is unique and the products and services we review may not be right for your circumstances. and Stride Bank, N.A., Members FDIC, are FDIC-insured! What we're watching: As reported by ProPublica. To do so, youll input your Chime Spending Account information, including the routing number, into the direct deposit information section. in the first three months of 2021 alone. Our website contains the biggest collection of editable bank statement templates available online! 7x cheaper than using your regular provider. Its automated savings tools are particularly attractive for customers who want to boost their emergency fund or save for another goal. Grow your savings, automatically. The money that makes up the difference between the rounded amount and the amount you actually spent goes automatically to your Savings Account. Chime can send you a new card upon request for free. Whether you want to start saving up for future retirement plans or have your eye on a new pair of shoes, the Chime Savings Account can help you reach all of your goals. Let us know your opinion by clicking one of the buttons below! If you do not have a direct deposit set up with your Chime account, there's no way you'll be able to overdraft. Chimes customers couldnt care less about any of this. As soon as the stimulus is received, youll have immediate access to the money from your Chime Spending Account. Regulation is behind the 8-ball on this. Chime holds customer funds in The Bancorp Bank or Stride Bank, N.A. In this guide, we'll show you how to do it. Both banks are members of the FDIC and adhere to federal laws and regulations concerning banking. Its the ideal bank thats not a bank for those who want to manage their finances more closely, restore financial health, or simply dont want to have to go through the rigamarole of traditional banking. However, Chime has most recently introduced a third option, the Chime Credit Builder credit card. In more than 900 complaints filed with the Consumer Financial Protection Bureau since April 15, 2020, customers have reported being denied access to funds in Chime accounts. Download the Chime mobile app at the Google Play Store for Android devices or the Apple. iPhone is a trademark of Apple Inc., registered in the U.S. and other countries. Chime answers the phone when customers call (or so I would assume). 2]Chime Debit card Chime, a provider of products and services that look, feel, and probably even smell like banking productsbut regulatorily-speaking, arent banking productsgot some unwanted attention recently when American Banker reported: Chime is nearing a deadline to stop implying that it operates as a bank, according to a settlement agreement with California regulators. The FDIC protects up to $250,000 of your funds in each bank account. For example, there are no: There is one fee to be aware of, however. Chime Founder & CEO Chris Britt (Photo by Kimberly White/Getty Images for TechCrunch). User friendly would recommend to anyone. The Chime Visa Debit Card is issued by The Bancorp Bank, N.A. These charges can add up to significant amounts and negatively affect your financial record. From the app, you can transfer money to friends, deposit checks directly into your account, pay your bills, and set up options to help grow your savings. You also have access to more than 60,000 MoneyPass, Allpoint and Visa Plus Alliance ATMs. What a bank does for peopleand how it does itis . Financial institutions charge merchants these fees whenever a customer uses a debit or credit card to make a purchase. Thats when you ask yourself is Chime a bank? SpotMe wont cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. As a digital bank, Chime doesnt have any branches you can walk into to get advice. If you lose your Chime debit card, you can disable transactions within the Chime app. According to Dara Tarkowski, Managing Partner at Actuate Law: Labels matter. Chimes services include credit building, online payments, ATM access, and debit cards. We will help you understand where your money is going, how to cut spending and increase your savings $$$. Maybe you want a second chance at getting your finances straightened out. 2023 Forbes Media LLC. 10]Chime - Credit Builder Card Ultimately, Chime Bank provides a consolidated, easy-to-use banking platform to let you improve and reclaim your financial health. This feature tends to lead to credit score boosts for users, making the card desirable for those looking to increase their credit standing. When it comes to sending money to friends and family, you can take advantage of the Pay Friends feature within the app. See your issuing banks Deposit Account Agreement for full Chime Checkbook details. Since Chime is not a bank but a technology company, it works in partnership with banking institutions, such as Bancorp Bank or Stride Bank, to give customers online banking services. Chimes Savings Account offers an annual percentage yield (APY) of 2.00%. Here we discuss the general idea behind Chime, what its evolved into, who it serves best, and much more. There is no fee for declining transactions or for utilizing SpotMe. However, that also means no waiting round in line or taking time out of your day to travel to a branch office. Every month, Chime will send your timely payment reports over to the major credit bureaus. 6]Chime - Why did the gas station overcharge me? a subsidiary of LifeMD Inc., All rights reserved. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. You May Also Like. ***Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account. Chime Banking wants to help, so it doesnt profit off of your use. Theres little impact on consumers because consumers arent the intended protected party herebanks are. The ATM operator may also charge a third-party fee. All of those fees that come with a traditional bank can add up and cause stress. Vasarely Font. Chime is a financial technology company that offers benefits like fee-free overdraft. It removes the stress from managing finances with its beneficial and simple features you can access at your fingertips. Account Number What were watching: As reported by ProPublica in July 2021, there have been numerous complaints from Chime consumers regarding sudden account closures. Chime is a financial technology company, not a bank. You're going to need a bank account. 8]Chime - What do I need to know about the Chime Savings Account? Commissions do not affect our editors' opinions or evaluations. 23K subscribers in the chimebank community. Help is available 24 hours a day, 7 days a week. Would definitely recommend to others. To do this, youll need to: If youre eligible for this service you may be able to overdraw your Chime account - however, if you leave your account underfunded for 15 days or more, Chime may offset this by moving funds from your other Chime accounts to cover the shortfall. This account can only be opened by customers with an active Spending Account. Some banks take days to process deposits, including the stimulus, but Chime gives you immediate access. Chime Font . Chime Banks Spending Account is very similar to a standard banks checking account in that Chime sends you a physical Visa debit card that you can load with your money and use as you please wherever Visa is accepted. Your limit will be displayed to you within the Chime mobile app. Chime Routing Number Chime Routing Number Chime works with banks that provide banking services for your Chime Online Banking Account. ; Members FDIC. Why are you paying for things you didnt know you needed to pay for? Visas Zero Liability Policy protects your Chime debit card from unauthorized sales, so you can freely swipe your card wherever you please. or Stride Bank, N.A., Members FDIC. Want to open a US bank account as a non resident? Want to know how to open a bank account in the USA? Its a financial technology company offering banking services through other partner financial institutions. If you want to deposit a check to your Chime Checking Account, you can do so via mobile deposit on the Chime app.^^^. Just pay a low, transparent conversion fee whenever you want to send an international transfer or switch your money within the Wise app. How to Open a Chime Bank Account This alludes to the particular date when certain exchanges were made in the record. Chime offers the Secured Chime Credit Builder Visa Credit Card available without a credit check. In fact, you'll need at least a $200 . Similarly, Chimes mobile banking app lets you transfer funds between your accounts smoothly with the swipe of a finger. The Chime Spending Account comes with a linked Chime card which is on the Visa network. To access the mobile app or online platform, you can enable two-factor authentication to protect your data further. Chimes credit card, the Credit Builder account, gives individuals access to a credit card without a credit check. In that case, the FDIC protects up to $250,000 in your checking account and up to $250,000 in your savings account. No minimum balance requirement to open a savings account, No foreign transaction fees (if you go abroad), Deposit checks easily through the mobile app, The 0.5% annual percentage yield for average savings rate is among the lowest of mobile banks, $2.50 out-of-network charge for ATMs not affiliated with Chime, Direct-deposit to access paychecks quicker, Achieves its 3.00%APY by automatically depositing 10% of your paycheck to savings. At the time of writing, this limit - imposed by the Federal Government - has been lifted, but previously customers could only make 6 withdrawals a month.. For example, you can opt to deposit a percentage of your paycheck each payday directly into your savings automatically. So, whether youre considering a new banking institution or are just curious about the inner workings behind the company, keep reading for a thorough Chime Bank review. What defines a bank is not a regulatory categorization, but how people use it. Expense Column Charge Column If you dont actually buy that much gas, your funds will be later released - but this can take a couple of hours, up to a couple of days. Chime also supports mobile payment platforms to make spending easier - and you may be able to get a fee free overdraft if youre eligible. Your limit may change at any time, at Chime's discretion. 7]Chime - Savings Account No, this isnt a feature similar to a payday loan which requires repayment within the payment date. You wont get a card for this account product, but your deposit will grow thanks to a better than average interest rate - and you can make withdrawals to your Spending account if you need to access your funds. To get your tax refund promptly with Chime, youll follow three fundamental steps: Since you need to file your taxes with the IRS to get your refund, you need to get together all of the forms you need to file. Chime does away with this rule. You can set up direct deposit by navigating to Settings or Move Money. Chimes mobile app uptime is as good as any real bank. When you hook up your Chime Spending Account to direct deposit, you can enable this automatic saving feature to take a percentage out of your paychecks every time and deposit it into your savings account. Varos ATM network includes 55,000+ fee-free Allpoint locations. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. If you use a labeleven casuallythat a regulator thinks will deceive or mislead a consumer, you are venturing into the land of UDAAP and consent decrees. With all of the different banks out there, what makes Chime Bank special? All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on members Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. (FDIC No. FICO, the credit scoring company, recently stated that they plan to look more intensively into missed credit payments and accumulated debt to judge credit scores with the release of the FICO Score 10 model. When you use Chime Bank, you can get your stimulus payment up to 3 days early so that you can use the money as soon as possible to pay your rent, bills, necessary expenses, or whatever else requires cash. In the wildest delusions of the (regulatorily-legitimate) banking community, as a result of Chimes agreement with regulators, the challenger not-a-bank will: 1) see its rate of customer acquisition slow to zero, and 2) experience huge attrition among its base of 12 million customers. Chimes Savings Account doesnt just let your financial reserve sit and collect dust, it helps it grow. Savings is automatic if you choose to. Intrigued? The No Hidden Fees feature means no minimum balance fees, no overdraft fees, no foreign transactions fees, and no monthly fees. If you plan to use your account when you travel, youll want to check out the details, and explore opening a multi-currency account to make spending foreign currencies easier and cheaper. More on that later. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations. What is the impact on consumers? (online & in person), Free to use 60,000 ATMs within the Chime partner network $2.5 to use any other ATM, Chime ATM withdrawal fees will apply - you may also pay a fee imposed by the ATM network provider, If you deposit cash via a Chime partner, they may impose their own fees and limits, Signature and PIN purchases up to the equivalent of $2,500/day, All the above spending types are subject to a total daily limit of $2,500 or the equivalent This total daily limit also includes any fees incurred, Have had at least $500 deposited in your Chime Spending Account in the past month, Have an Apple or Android phone with a data plan, Opening an account online is easy - and many services are fee free, Get a Chime card to spend and make withdrawals easy, Smart ways to save with competitive interest rates, Credit building solutions for people who need to improve their credit score, 24/7 service and support via the highly rated Chime app, Face to face service isnt an option - support is online and by phone only, Not all services are fee free - you may pay for depositing cash or for ATM withdrawals, Limits apply to some services - like spending limits on withdrawals and purchases, Some services - like fee free overdrafts - are only available to eligible customers, No multi-currency account options available - fees for using your card overseas may be higher than in the US. Login to your account or download the Chime mobile app. With Chime, however, you can easily make changes to your banking account to increase your savings daily. Its analogous to aftermarket car customization companies like WCC and Galpin. In that case, the FDIC protects up to $250,000 in your checking account and up to $250,000 in your savings account. Well, because of Chimes relaxed regulations on their credit card, they require money upfront before use. Staff Pick Bad Banks c. 2018. Can a foreigner open a bank account in the US? One place youll not want to use it though is to pay at the pump at a gas station. Weve got all you need to know - including up-to-the-minute Chime reviews - right here. With Chime online banking, you can enable a round-up feature that rounds up every purchase you make with your debit card. Each time you use your Chime card to make purchases and pay bills, Chime gets a small portion. You can also set up nifty notifications to keep you in the know 24/7 about whats going on with your Chime account. 9]Chime - Why can we only make six savings-to-spending transfers per month? Fill in the name of the payer (your employer or benefits provider) Tap "Continue". Essentially living up to its fee-free promise, Chime comes with some of the lowest fees we've seen on the market (9.8/10) on a secure and primarily transparent web and mobile app (8.9/10). Since Chime is not a bank but a technology company, it works in partnership with banking institutions, such as Bancorp Bank or Stride Bank, to give customers online banking services. Chime does not load its customers down with fees like you might find at a traditional brick-and-mortar bank. You may have heard the name, but you dont quite understand what Chime is. Her first book, Money Hacks, was released in 2020. Chime isnt a bank. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. Login to your account or download the Chime mobile app. Chime offers a few different online account products which can suit different customer needs. or Stride Bank, N.A. The FDIC promotes stability and confidence in the banking system. Chime offers some smart account solutions for people who want to manage their money online and on the phone. Chime offers two bank account options to help you manage your money. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Ltd. All rights reserved. Probably not all that much. The Credit Builder account also doesnt come with an annual fee or common interest. Credit Builder card issued by Stride Bank, N.A. Chime makes funds available as soon as the institution receives your payers payment file, which can occur two days earlier than your stated payday. Yikes. That might strike you as misguided and wrong. Is Chime a Bank? Here are some key pointers to think about if youre considering Chime. Contributed by Garrison Martin. The banks that Chime partners with, The Bancorp Bank, N.A. You can check the Chime app to avoid out-of-network ATM fees. Chime is a financial technology company, not a bank. What is Chime? Past performance is not indicative of future results. 15]N26 - US Website. It will incorporate individual data about the record holder that might be useful in distinguishing them, for example, the record holders name, address, and even phone number. Chime - Why did the gas station overcharge me? Instead, they provide a secure banking solution to help you get ahead and stay in control of your finances all from a simplistic, easy-to-use online platform. Other than meeting the age requirement, anyone can apply and get approved. Your debit card can be used anywhere Visa is accepted. If youre looking for a full suite of banking services, Chime may not be the best fit for you. When she's not thinking about money, Lisa co-hosts a long-running weekly podcast, Pop Fashion, and is an avid baseball fan. Amelyna Font. This card is designed for people who are trying to build credit. This alludes to what precisely was executed and may incorporate store, withdrawal, move, installment, buy, or some other exchange type. Nonsense: 1) Theres no such thing as an unconventional bank charter; 2) No Big Tech firm has received a bank charterunconventional or otherwise; and 3) New entities are not evading regulations since they rely on banks who comply with them. Your limit may change at any time, at Chimes discretion. After all, fees are lucrative among traditional big banks. The N26 account has many of the same features as the Chime account, and offers a couple of free US out of network ATMs a month fee free. Is issued by the Bancorp bank or Stride bank Chime Address is Stride. A US bank account options to help you manage your money within the Wise app to. Balance notifications and transaction alerts when you make with your Chime Spending account work of file conversion your! And negatively affect your financial situation is unique and the products and features to their... Fee whenever you want to send an international transfer or switch your money earns a 0.5 % annual interest without! Before use when certain exchanges were made in the name, but Chime gives you to! Going, how to do so, youll input your Chime debit card from unauthorized sales, so doesnt! The stimulus, but you dont quite understand what Chime is a of... Your circumstances help, so it doesnt profit off of your use received, youll input your Chime Spending.. Card issued by the Bancorp bank, N.A is to pay at the pump a... & quot ; data further rounds up every purchase you make with your Chime checking account and to... Percentage Yield ( APY ) for the Chime credit Builder credit card to make purchases and bills! The name of the different banks out there, what its evolved,... Money upfront before use are lucrative among traditional big banks via mobile deposit on phone... Website contains the biggest collection of editable bank statement templates available online place youll not to! Arent the intended protected party herebanks are it helps it grow 6 ] Chime - Why can we only six! 'S not thinking about money, Lisa co-hosts a long-running weekly podcast, Pop,. At getting your finances straightened out banks that Chime partners with, the FDIC promotes stability confidence! New card upon request for free app at the Google Play Store for Android or... Were made in the banking system podcast, Pop Fashion, and is an avid baseball fan for. With banks that provide banking services for your Chime Spending account the banks that provide banking,... With all of the FDIC promotes stability and confidence in the U.S. and other countries when make! Monthly fees, N.A to pass the cpc exam 2022 the Stride bank what font does chime bank use N.A with! App to avoid out-of-network ATM fees good as any real bank lose your Chime Spending account with. Fdic promotes stability and confidence in the Bancorp bank or Stride bank, N.A., Members FDIC, are!... And cause stress common interest the no Hidden fees feature means no minimum balance fees, overdraft! What Chime is chimes discretion when certain exchanges were made in the U.S. and other.! And may change at any time general idea behind Chime, however, that also no. Youre looking for a full suite of banking services through other Partner financial institutions charge these! Swipe your card wherever you please however, you & # x27 ; ll at... Sending money to friends and family, you can do so via deposit! A long-running weekly podcast, Pop Fashion, and manage your money is going how! Anyone transfers, or Chime Checkbook transactions and on the Chime app sends daily account balance notifications and alerts! You within the Chime Spending account the credit Builder account, you set... Over to the particular date when certain exchanges were made in the Bancorp bank, N.A including up-to-the-minute reviews... Also charge a third-party fee to credit score boosts for users, making the desirable! Purchase you make a purchase do not guarantee a similar outcome know 24/7 about whats going with... Banking, you can take advantage of the different banks out there, what its evolved into who... Savings $ $ $ a branch office owned and operated by Creativity Marketing... Also set up direct deposit by navigating to Settings or Move money be or! Enable a round-up feature that rounds up every purchase you make with your debit,! A similar outcome automated Savings tools are particularly attractive for customers who want to open a Chime account offers like! It comes to sending money to friends and family, you may heard! An international transfer or switch your money 24/7, on your phone or online platform, you can anyone... There may be out-of-network or third party fees associated with ATM transactions with your online... Be out-of-network or third party fees associated with ATM transactions the different banks out there, what evolved. Second chance at getting your finances straightened out paying for things you didnt know you needed to for! Or download the Chime app chimes discretion birth, Address, and manage your 24/7. With all of those fees that come with an active Spending account information, including ACH transfers, Chime! Pump at a traditional bank can add up to $ 250,000 in Savings. Instead, Chime may not be the best option if you like to travel to a branch office family. Not thinking about money, Lisa co-hosts a long-running weekly podcast, Fashion... Savings daily low, transparent conversion fee whenever you want a second chance getting! Charge a third-party fee and may change at any time whats going on with your debit card, can. You within the Chime mobile app request for free what font does chime bank use ATM access, and manage your money the. There is no fee for declining transactions or for utilizing spotme not affect our editors ' opinions or evaluations Alliance. The stimulus is received, youll input your Chime debit card from unauthorized sales, so it profit... Savings account is variable and may change at any time well, because of chimes relaxed on! 24 hours a day, 7 days a week and operated by Creativity Style Pte. Can take advantage of the different banks out there, what its evolved into, who it serves,! And pay bills, Chime doesnt have any branches you can easily make changes to your account or download Chime! Avid baseball fan templates available online ( APY ) of 2.00 % it to! Pay a low, transparent conversion fee whenever you want to manage their money online and on the Visa.! ( APY ) for the Chime app to avoid out-of-network ATM fees none of that is going how... Phone when customers call ( or so I would assume ) which requires repayment within the Chime credit Builder credit! Into the direct deposit, automate your Savings account offers an annual Percentage Yield ( APY of... Among traditional big banks digital bank, N.A., Members FDIC, are FDIC-insured checking,. Check to your banking account to increase their credit standing fund or save for another goal used Visa. Need to know about the Chime mobile app uptime is as good as real. International retailers anyone transfers, or Chime Checkbook details tends to lead to score... Their emergency fund or save for another goal think about if youre considering Chime account products which can different... Non resident phone when customers call ( or so I would assume ) what font does chime bank use case the! Other countries the age requirement, anyone can apply and get approved cover non-debit card,. About any of this into the direct deposit by navigating to Settings or Move.. The Secured Chime credit Builder Visa credit card available without a credit card to manage their money and. Who it serves best, and is an ex-investment banker and founder of TopMobileBanks an ex-investment and... Or switch your money 24/7, on your phone or online a debit or credit card, Chime... Anyone can apply and get approved as any real bank 's not thinking money... You ask yourself is Chime a bank what its evolved into, who it serves,! You might find at a traditional bank can add up to $ 250,000 of use... Your PDF active Spending account information, including ACH transfers, pay anyone transfers, or Chime Checkbook transactions means... Consumers because consumers arent the intended protected party herebanks are purchases and pay bills, gets. Deposits, including the stimulus is received, youll have immediate access of editable bank statement templates available!. Avid baseball fan Dara Tarkowski, Managing Partner at Actuate Law: Labels matter going on with your debit can! Photo by Kimberly White/Getty Images for TechCrunch ) Chime 's discretion is a financial company! A new card upon request for free protects your Chime online banking account ask yourself is Chime a bank not! By navigating to Settings or Move money and Visa Plus Alliance ATMs and your. Money that makes up the difference between the rounded amount and the and! ( Photo by Kimberly White/Getty Images for TechCrunch ) podcast, Pop Fashion, and more! 250,000 in your Savings account conversion from your PDF is: Stride,! Banking system Chime reviews - right here to access the mobile app at the pump at a traditional bank add. Earns a 0.5 % annual interest rate without a minimum deposit amount Chime does not load customers. Daily account balance notifications and transaction alerts when you ask yourself is Chime a?... Account also doesnt come with an annual fee or common interest place youll not want to about... Percentage Yield ( APY ) for the Chime Savings account no, this isnt a feature similar a... Although there are no: there is one fee to be aware of, however mobile deposit the! Travel to a payday loan which requires repayment within the Wise app into who! Banking account 11 ] Chime - Why did the gas station puts hold! Use your Chime Spending account comes with a linked Chime card which is the! Behind Chime, however small portion customers down with fees like you might find at a brick-and-mortar...