Earner's up, look, the holiday season is supposed to be about joy and celebration, but let's be real.

Finances could take a serious hit this time of year.

Have you ever found yourself dipping into your savings or even adding to your credit card debt just to cover some holiday expenses?

I know I've been there. In those months of catching up afterward, they're not fun.

But what if you could approach this holiday season differently without the stress?

That's where a chime comes in.

With a time checking account, you get features designed to help you stay in control of your money,

like no monthly or maintenance fees, fee-free overdraft up to $200 with spot me and my personal favorite

getting paid up to two days early with direct deposit think about it no surprise fees draining

your account and the flexibility to handle those holiday expenses when they pop up let me tell you about

spot me i remember a time when an overdraft fee hit me just because

my timing was all for my paycheck. It was frustrating and unnecessary. With Chim, you don't have to deal

with that. Spot Me lets you overdraft up to $200 without fees and your next deposit just covers

the balance. And here's something unique.

Chime is all about community.

You can even get a boost from a friend to temporarily increase your SpotMe limit.

And when you help a friend out, they can boost you back.

It's a real give and take that makes managing your finances feel a little more supportive.

Millions of Chime members are making financial progress every day.

To date, Time has spotted members over 32 billion in transactions through SpotMe.

And with access to over 50,000 fee-free ATMs, you can take care of your money anytime, anywhere.

So enjoy the holidays while keeping your financial goals on track with time.

...