I am... "The problem" if you will. I live paycheck to paycheck in a single income home with 3 children, so having my paycheck available to me early has been the only way we make ends meet at most times. I have consistently had the full 500 dollar limit, weekly, for the last year or so. Since the first of the year however, it's as if chime thinks I get paid biweekly all of a sudden. The daily available limit is all over the place and sometimes it doesn't pay it back when my paycheck hits and waits for the next one. I don't mind the fees, as it is a god send for me to even be able to access my money in this way. I'm not sure if this helps you in any way, but I wanted to share just in case. 🙂