I've had Chime for about a year now and it's the best banking experience I've ever had.
I get my paycheck before all of my coworkers. Our original payday is Tuesday, I get paid the Friday before. Checking your balance is a breeze and you get notified as soon as a deposit is made. I have 2 places that don't take prepaid cards as payment and they both accept Chime with no problem because it's an actual bank.
I'm a person that liked Netspend's overdraft protection that only covered a reasonable overdraft and the fee was minimum compared to banks and you didn't have to pay a fee at all if you paid it back in 24 hours.
Chime's SpotMe is even better because there is no fee. You can leave a tip, which I do at times, but it's not necessary.
The only downside is how you can load cash but that's only because of how much green dot charges. Since I have direct deposit I don't have to load cash anymore.
Bottom Line: Yes, I would recommend this to a friend