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Chime – Mobile Banking

Chime – Mobile Banking

Chime

Banking with no hidden fees, fee-free overdraft, and early payday.

4.7 Ratings 600K+ Reviews 10M+ Downloads

Ratings & Reviews

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  • img Community
    If you’re a full-time freelancer, you definitely have working skills but likely lack the financial wit and just looking at the numbers hurts. You can get a prepaid card and automatize savings so you can save those $500 per month for rainy days or the moment you retire.
    img by Antonio
    2 years ago
  • img Expert
    1. Receive your paycheck 2 days early with direct deposit
    2. Choose from over 30,000 fee-free Moneypass ATM's
    3. Pay Friends lets you instantly send money to anyone

    Reviewed by Kaylin on December 14, 2018

  • I LOVE this Bank!! Mar 12, 2020

    By HarmonyLynnSeidl1998
    I have been with Chime for quite some time now and let me tell ya, when I say they are amazing... THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in... yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give Chime a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know. I’m not gonna lie, at first I thought it was a scam, or just another ad on FB... but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining Chime. It’s worth it... I PROMISE!!
  • Oct 22, 2021

    By Christopher Hunnell
    LOVE THIS APP!!! This is the new way of banking. Too many awesome features to list...I get paid Wednesday PM, I have 3 different accounts within the same account (Checking, Savings, & CreditBuilder), there are plenty of fee-free ATM's, I can send checks out to pay my bills & I can send money to family/friends. Their security features are my favorite as I can turn my card on/off anytime & be notified of fraudulent transactions. No more lines at the bank. No chance of being in a bank robbery!
  • amazing if you live paycheck to paycheck Apr 14, 2021

    By Hellojennyfair
    i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit. the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together. it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.
  • Life saver Jun 9, 2021

    By Kat-75
    I don’t write reviews but I want to thank Chime for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life I just out of high school. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & knickknacks. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about Chime & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for chime being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over a year now & love everything about them. The app is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend Chime for any banking needs & Thank You Chime for being there when I thought all was lost.
  • Oct 1, 2021

    By Troy Will
    I have been with Chime for about a year. At first, everything was fine and I had no problems. Recently, within the past couple of months, Chime has not been accepting checks I deposit through their Mobile Check Deeposit feature. Even worse, I was never given any reasons as to why each deposit was denied. This is outrageous, and I will be taking my business someplace else. Chime is worthless as far as I am concerned. UPDATE Chime has resolved my issue. I am satisfied.
  • Great so far! Feb 6, 2021

    By Teh_Black_One
    Edit: still so great! I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using the app it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!
  • Oct 22, 2021

    By Katherine Frazier
    Ive had no problems at al all with this app. Until now. Ive'got 2 charges on my account done by a scammer. The proccess of this dispute seems that it will very lengthy, which really upsets me since i have 3 wonderful boys ( that make straight A& AB's ) and that missing money is coming out of thier christmas money. I just wish there was some kind of scam blocker, to prevent these situations. I know its really not Chime's fault but tbe lenght of the process upsets me even more.
  • Oct 16, 2021

    By Manda Fleet
    I absolutely LOVE Chime. I have had them for a long time now, and I have never had any issues. They are so amazing and I recommend them to all my friends. It's free. The overdraft is free. The savings is free. You cannot go wrong with them. You can set it up to round up each transaction, and put it in your savings. You can also have 10% taken out and put in savings for each direct deposit. There is a lot of benefits with Chime. Trust me. I recommend it to everyone. Thank you Chime!
  • I LOVE this Bank!! Mar 12, 2020

    By HarmonyLynnSeidl1998
    I have been with Chime for quite some time now and let me tell ya, when I say they are amazing... THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in... yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give Chime a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know. I’m not gonna lie, at first I thought it was a scam, or just another ad on FB... but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining Chime. It’s worth it... I PROMISE!!
  • Oct 22, 2021

    By Christopher Hunnell
    LOVE THIS APP!!! This is the new way of banking. Too many awesome features to list...I get paid Wednesday PM, I have 3 different accounts within the same account (Checking, Savings, & CreditBuilder), there are plenty of fee-free ATM's, I can send checks out to pay my bills & I can send money to family/friends. Their security features are my favorite as I can turn my card on/off anytime & be notified of fraudulent transactions. No more lines at the bank. No chance of being in a bank robbery!
  • amazing if you live paycheck to paycheck Apr 14, 2021

    By Hellojennyfair
    i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit. the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together. it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.
  • Life saver Jun 9, 2021

    By Kat-75
    I don’t write reviews but I want to thank Chime for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life I just out of high school. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & knickknacks. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about Chime & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for chime being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over a year now & love everything about them. The app is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend Chime for any banking needs & Thank You Chime for being there when I thought all was lost.
  • Oct 1, 2021

    By Troy Will
    I have been with Chime for about a year. At first, everything was fine and I had no problems. Recently, within the past couple of months, Chime has not been accepting checks I deposit through their Mobile Check Deeposit feature. Even worse, I was never given any reasons as to why each deposit was denied. This is outrageous, and I will be taking my business someplace else. Chime is worthless as far as I am concerned. UPDATE Chime has resolved my issue. I am satisfied.
  • Great so far! Feb 6, 2021

    By Teh_Black_One
    Edit: still so great! I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using the app it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!
  • Oct 22, 2021

    By Katherine Frazier
    Ive had no problems at al all with this app. Until now. Ive'got 2 charges on my account done by a scammer. The proccess of this dispute seems that it will very lengthy, which really upsets me since i have 3 wonderful boys ( that make straight A& AB's ) and that missing money is coming out of thier christmas money. I just wish there was some kind of scam blocker, to prevent these situations. I know its really not Chime's fault but tbe lenght of the process upsets me even more.
  • Oct 16, 2021

    By Manda Fleet
    I absolutely LOVE Chime. I have had them for a long time now, and I have never had any issues. They are so amazing and I recommend them to all my friends. It's free. The overdraft is free. The savings is free. You cannot go wrong with them. You can set it up to round up each transaction, and put it in your savings. You can also have 10% taken out and put in savings for each direct deposit. There is a lot of benefits with Chime. Trust me. I recommend it to everyone. Thank you Chime!
  • Love my chime account! Jul 23, 2021

    By Deshae5151
    I absolutely love my chime account! I’ve been with chime for years, at least 5-7 years. I’ve always loved it but now I extra love it. They have a “credit builder” card , you transfer your own money from your checking on to that account and then when you use the credit builder card it reports to the credit bureaus! They also started the “spot me” feature a few years ago where you can basically go in the negative without any type of fee. It gets paid back with your next deposit. You can also round up your transactions and the extra change can be sent to your savings account so you end up accumulating some money with basicaly no effort and you barely notice it . They also recently came out with the boost program. You can send up yo 4 other chime members a $5 spot me boost, so their spot me account allows them to go negative an extra $5! But the very best part is getting paid early! I get paid on Friday at midnight through my work, well everyone else does. I get my check on Wednesday! I had my most recent check around 5pm on Wednesday. Also when the stimulus checks got sent out I got mine super early. I didn’t even know they had passed the checks until after it hit my account!
  • Great bank but I’d like to see some improvements in the future. Jul 8, 2020

    By Kryptic Arrow
    *This bank has been really good so far. No fees like it says and I got my card very quickly. Just two issues I have with it so far. One is that they go through Green Dot for cash deposits. Green Dot charges 4.95 and requires a minimum of 20 to deposit. I hope that they eventually make a kiosk or something that eliminates these fees. Also it doesn’t update your account balance right away. For those of us with bad memory it makes it a little more difficult to budget. I recommend using a notepad app to keep track of your funds until the app updates your account info. It seems to update approximately 3 hours after the transaction. It would be nice to have it be immediate. If they fix these two issues I’d say it would be a five star service. Another small gripe is that you can only get the no fee overdraft with direct deposit. Though if you budget correctly it’s not an issue. Just a small quality of life thing. Otherwise I’d say this bank does everything better than most other banks. *My previous rating was three stars but I realized that one of the issues wasn’t the banks fault but rather the third party company Green Dot’s. I don’t like having to pay such large fees just to deposit cash but it’s Green Dot policy.
  • Oct 19, 2021

    By Sherri Cook
    Worst Customer Service EVER!!!! I have been with Chime for 7 years and it has gotten progressively worse each year. I thought I would try their new Credit Builder Card and someone stole my wallet and I disputed the transactions. It has been over a month and they have no updates on when my money will be returned to me but they will conclude the investigation by December! DECEMBER?!!! ARE YOU KIDDING ME? Talking to a Supervisor is a joke. Dont trust them with your money!
  • I used to love Chime Nov 25, 2020

    By b.groves99
    I’ve been with Chime for years now. It was the second bank I’ve ever used. It was awesome in the beginning, I enjoyed the perks like no atm fees and the well designed app. But lately it has gone downhill fast. Starting when they disabled spot me without any notice and at this time I’ve lost my job due to COVID-19. So lately to make ends meet I’ve been making my money through Doordash and instacart and if you do either you know it can be very little amounts you make during certain times of the week. So I had my money transferred into my Chime account, witch was in the negative as it has been a lot lately for me. Well the amount I made witch was only $43 wasn’t even enough to cover my negative balance, witch wasn’t an issue because I had spot me. Well since I never got a notification that they had disabled spot me that $43 I had for the next day or two was gone and I went without the things I needed. I contacted Chime and explained my situation for them to only tell me that there was nothing they could do. After about 30 minutes of arguing, I finally gave up because I was getting no where. So I felt useless to my family and they were perfect okay with that. Now we’re here today, where I need to get the things I need and I cannot access my money yet once again. I’m just going to cut my loss and go back to the bank I first started with. It’s just a shame that they treat they’re loyal customers like this.
  • Waste of Time Mar 3, 2021

    By Cheykim
    So I opened my chime account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through the app, they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their account.
  • Oct 16, 2021

    By Ruthie Phelan
    It was amazing for almost a month. However, I recently got a new phone and cannot login for The life of me. It goes to a loading screen and nothing else. I've reset my password twice. Nothing seems to help. I can still log in through my old phone, just not my phone. I have no access to my account. No way to transfer my money out of there, and no way to view my balance. Hopefully a new update comes out soon that fixes it back to the way it was.
  • Oct 16, 2021

    By Jon Maximus
    I was able to deposit checks and then suddenly lost this feature. After having a call with support (who really tried his best) it seems I'm at the mercy of "the system" which assesses my eligibility for using the feature and they can't manually restore it. Because I had one bad check from my health insurance, I'm seemingly permanently blocked from using a very basic feature of any bank with no recourse. This is an unfortunate deal-breaker for me because everything else about chime was great.
  • Chime is a joke. Aug 18, 2021

    By monelxc330
    I’ve had chime for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where chime has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is chime and their lies, I’ve never had an issue with chime but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old.
  • Oct 17, 2021

    By Dmitry Shats
    I could not register due to google Maps' suggested home address they use via new account registration did not match USPS verification. After multiple attempts, I was able to manually provide the "acceptable" address format that USPS uses sometimes; however, Chime rejected my application, after all, despite excellent credit history. This made me curious that it could be related to my mail address issue and no options to address this issue.
  • Customer Service Apr 12, 2020

    By dollfaccmd
    The app is great. It’s banking with Chime that sometimes really annoys me. They have really great features with the overdraft protection and it being completely free no fees. But i honestly dread calling chime to get any issues resolved. The people in SF who answers the phone are always pleasant and knowledgeable! When i get someone overseas i always find myself repeating myself. I have had to escalate and speak with managers but people are refusing to connect me with their supervisor. I always end up having to hang up and call back to just get some help. The claims department haven’t really been helpful at all. I keep getting charged for stuff and no one is able to provide me with an explanation and i am trying to block certain transactions that i never authorized and no one is ever willing to understand what i am trying to say or help. The customer service is HORRIBLE! I don’t get why i have to repeat myself being transferred from person to person then they ask me how i can help first then ask me to verify myself. I wish they just verify people first then all focus can be on helping me. By the time I’m done verifying they always make me repeat myself and then I’m irate. Please work on customer service and verify people FIRST and make sure people overseas work on requests and how to respond to people. They come off extremely rude ! I want to file a complaint for how i have been treated.
  • Oct 13, 2021

    By Corey Keller
    Inconsistent, cannot transfer my money from outside banks anymore (worked fine first few times, now it's been months and I still cannot transfer my money and chime support has given me zero help). Also cannot connect to Venmo to transfer my balance from there to my chime account. When it did work those first times, transfers take almost a full week to go through and chime will pull the money from one account but it won't appear in the chime account for days after that. Closing my account asap.
  • Liars Jan 20, 2020

    By lliicciiaa
    They do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45.
  • img Community
    If you’re a full-time freelancer, you definitely have working skills but likely lack the financial wit and just looking at the numbers hurts. You can get a prepaid card and automatize savings so you can save those $500 per month for rainy days or the moment you retire.
    img by Antonio
    2 years ago
  • img Expert
    1. Receive your paycheck 2 days early with direct deposit
    2. Choose from over 30,000 fee-free Moneypass ATM's
    3. Pay Friends lets you instantly send money to anyone

    Reviewed by Kaylin on December 14, 2018

  • I LOVE this Bank!! Mar 12, 2020

    By HarmonyLynnSeidl1998
    I have been with Chime for quite some time now and let me tell ya, when I say they are amazing... THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in... yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give Chime a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know. I’m not gonna lie, at first I thought it was a scam, or just another ad on FB... but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining Chime. It’s worth it... I PROMISE!!
  • Oct 22, 2021

    By Christopher Hunnell
    LOVE THIS APP!!! This is the new way of banking. Too many awesome features to list...I get paid Wednesday PM, I have 3 different accounts within the same account (Checking, Savings, & CreditBuilder), there are plenty of fee-free ATM's, I can send checks out to pay my bills & I can send money to family/friends. Their security features are my favorite as I can turn my card on/off anytime & be notified of fraudulent transactions. No more lines at the bank. No chance of being in a bank robbery!
  • amazing if you live paycheck to paycheck Apr 14, 2021

    By Hellojennyfair
    i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit. the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together. it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.
  • Life saver Jun 9, 2021

    By Kat-75
    I don’t write reviews but I want to thank Chime for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life I just out of high school. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & knickknacks. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about Chime & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for chime being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over a year now & love everything about them. The app is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend Chime for any banking needs & Thank You Chime for being there when I thought all was lost.
  • Great so far! Feb 6, 2021

    By Teh_Black_One
    Edit: still so great! I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using the app it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!
  • Oct 22, 2021

    By Katherine Frazier
    Ive had no problems at al all with this app. Until now. Ive'got 2 charges on my account done by a scammer. The proccess of this dispute seems that it will very lengthy, which really upsets me since i have 3 wonderful boys ( that make straight A& AB's ) and that missing money is coming out of thier christmas money. I just wish there was some kind of scam blocker, to prevent these situations. I know its really not Chime's fault but tbe lenght of the process upsets me even more.
  • Oct 16, 2021

    By Manda Fleet
    I absolutely LOVE Chime. I have had them for a long time now, and I have never had any issues. They are so amazing and I recommend them to all my friends. It's free. The overdraft is free. The savings is free. You cannot go wrong with them. You can set it up to round up each transaction, and put it in your savings. You can also have 10% taken out and put in savings for each direct deposit. There is a lot of benefits with Chime. Trust me. I recommend it to everyone. Thank you Chime!
  • Love my chime account! Jul 23, 2021

    By Deshae5151
    I absolutely love my chime account! I’ve been with chime for years, at least 5-7 years. I’ve always loved it but now I extra love it. They have a “credit builder” card , you transfer your own money from your checking on to that account and then when you use the credit builder card it reports to the credit bureaus! They also started the “spot me” feature a few years ago where you can basically go in the negative without any type of fee. It gets paid back with your next deposit. You can also round up your transactions and the extra change can be sent to your savings account so you end up accumulating some money with basicaly no effort and you barely notice it . They also recently came out with the boost program. You can send up yo 4 other chime members a $5 spot me boost, so their spot me account allows them to go negative an extra $5! But the very best part is getting paid early! I get paid on Friday at midnight through my work, well everyone else does. I get my check on Wednesday! I had my most recent check around 5pm on Wednesday. Also when the stimulus checks got sent out I got mine super early. I didn’t even know they had passed the checks until after it hit my account!
  • Oct 9, 2021

    By Bill Knapp
    After 6 years, STILL 5 Stars LOVING my Chime!! And the app is awesome! I only have feature request to consider. We have the ability to lock our cards, that's spot on awesome!! Now how about the ability for X amount to be spent until you go back in the app and reset!! Example: I give my wife my card and say she can spend $100. I set my spending limit to $100 and hand her the card. I don't have to worry about her going over. When I get my card back I go to app and reset. That would be TOPS!!!!!!!!
  • CHIME > other banks Nov 28, 2020

    By ishh16
    Have you ever been charged an overdraft fee ? Just because you went over a dollar and you didn’t realize and now your bank is like, “ohh you don’t have a dollar now we’re gonna charge you 35$(or more).” Like who ever thought of that bright idea lol. Here’s where our buddy’s at chime come in hand, chime let’s you set up a “spot me” option for any of us that tend to go over with out looking or if we’re out here struggling needing some extra dollars before our next pay day. The spot me feature starts with 20$ and it can go up to 100$ based on the your personal account I’ve had mine before at 100$ slowly but surely got back on track financially and is now down to 20$ chime was there for me and has done for me what no other bank has done before. They also just started their credit card account which means you can fix your credit with them, also you can open up a savings account directly through the app. I can continue spoiling chime for you, but that wouldn’t be fun for you so I’ll let you download it and explore it for yourself. Click that download button and get started today ohh did I mention they pay you 2 days early ? Come join the chime family you won’t regret it.
  • Oct 1, 2021

    By Troy Will
    I have been with Chime for about a year. At first, everything was fine and I had no problems. Recently, within the past couple of months, Chime has not been accepting checks I deposit through their Mobile Check Deeposit feature. Even worse, I was never given any reasons as to why each deposit was denied. This is outrageous, and I will be taking my business someplace else. Chime is worthless as far as I am concerned. UPDATE Chime has resolved my issue. I am satisfied.
  • Great bank but I’d like to see some improvements in the future. Jul 8, 2020

    By Kryptic Arrow
    *This bank has been really good so far. No fees like it says and I got my card very quickly. Just two issues I have with it so far. One is that they go through Green Dot for cash deposits. Green Dot charges 4.95 and requires a minimum of 20 to deposit. I hope that they eventually make a kiosk or something that eliminates these fees. Also it doesn’t update your account balance right away. For those of us with bad memory it makes it a little more difficult to budget. I recommend using a notepad app to keep track of your funds until the app updates your account info. It seems to update approximately 3 hours after the transaction. It would be nice to have it be immediate. If they fix these two issues I’d say it would be a five star service. Another small gripe is that you can only get the no fee overdraft with direct deposit. Though if you budget correctly it’s not an issue. Just a small quality of life thing. Otherwise I’d say this bank does everything better than most other banks. *My previous rating was three stars but I realized that one of the issues wasn’t the banks fault but rather the third party company Green Dot’s. I don’t like having to pay such large fees just to deposit cash but it’s Green Dot policy.
  • It’s wonderful. Dec 17, 2020

    By WTFisfritopie
    I’ve been using Chime for a couple of years. I just don’t go into a bank anymore. The only reason why I am going to open up a separate account with a brick and mortar is because in the next few years I want to get a decent home loan and usually being a member of the bank will help with that. Other than that this is perfect especially for people that aren’t ready to make a major purchase yet. I have had issues in the past and they have been resolved quickly and customer support is quick to ask. For those that are having issues with the chatbot, you can just type “human” and you can submit something to them and they usually get back to me within less than 12 hours probably about four. There have been times where the system has been down. This is why I’m removing a star. The system has been down several times in the past year by several I mean like maybe three but that’s still too many times. I have a credit card as back up. Working in IT myself I can’t actually be too upset. Things happen. I am prepared. I would not recommend this for somebody that is old-school but if you never really go into your bank or use checks anymore… (You CAN send a check from the app and it is mailed) this is for you.
  • Oct 17, 2021

    By dee cummings
    I have had no problems with this app, they are very helpful if you have questions they have a chime bot whom is very helpful ! This app is pretty great ! 10/17/22 Ive been using chime for 2 years now and it has only gotten better , and i use app at least 3 or more times a day , i can send money to my kids, pay bills put money in savingsabd lots more yoy should really check it out !!
  • Amazing, almost. Nov 18, 2020

    By L Lew
    Chime is the bank of the future and it’s done an amazing job. I love banking with Chime. It’s incredibly simple through its reliable app. The platform is simple, well laid out, pleasant to view, and gives you just the right info at your finger tips. Each time I spend from my account Chime alerts me with the transaction amount and remaining balance. Not to mention NO FEES! When I think of how much procrastination has cost me in fees?? That payment that cleared when I wasn’t expecting it ... then auto withdrawals stack one on top of another?? $$$ I’m sick. Chimes new credit builder is like a gift program for you. Here! Here is a great way to build your credit without even trying! Chime will even “spot you” some cash over time to help cover your expenses. You earn your spot amount over time and it comes out of your next deposit. Easy. Wonderful! Downsides include no checks. ( I hate checks and thought I’d never need any, but have found sometimes you just do.) The “Chime Bot” in the app is not helpful. It’s infuriating not being able to get answers. It’s kind of like You last Alexa over and over and she has no answer to anything. Overall though Chime is very satisfying and I am so happy to have it.
  • Convenient, gets the job done. Nov 26, 2019

    By A. A. H.
    It is true that people write a bad review before a good one. Overall I enjoy chime, I get paid early and with it being a holiday week I got paid EXTRA early which was a pleasant surprise. They did have a recent shut down that did decline our cards when we tried to use them for 2 days which was inconvenient and kind of embarrassing but the issue was fixed and they continued to show remorse. My only suggestion is I wish it showed the ending balance as purchases are made on the statement. I don’t like not being able to look back on purchases of deposits and not see what it brought my balance to at that time. I work at financial institutions and sometimes that’s what we require for proof of payment, so the fact that my bank doesn’t provided that is something that definitely sticks out for me; and in general it would help me keep track of my spending a lot better to know what I keep my balances at throughout the weeks. They seem good at looking at reviews, not sure if this is a concern for anyone else to make it a change but it would be nice if that be involved in a near future update.
  • Definitely getting there Jan 29, 2018

    By louxycharms
    Update: changed my review to four stars. Would have been three but they’ve expanded support for other banks since my last review. Disappointed that you can’t do a 10% automatic savings on direct deposits lower than $500, I don’t have my entire check deposited to Chime, so that will never be an option for me. More importantly though, I’m extremely disappointed you can’t mobile deposit checks from other bank accounts that you own as a way of transferring money. No other bank account I’ve owned has had that restriction. To send money from my other checking account would be 1-5 business days to verify the account and then probably another few days for the money to transfer. I hope they change this. I love getting my paycheck early and the round up feature, but it's not compatible with a lot of banks and apps. I can't link it with my local credit union. Stash, venmo, PayPal all say it's not supported so it's kind of hard to use it as your main checking account. Hopefully they expand their support with other institutions soon.
  • Review Sep 25, 2020

    By YOUNG FROYO THE 3RD
    it’s simple to use and helpful but customer service needs improvement you guys should add a direct call option so when a problem occurs customers could handle it easier i found it hard to find the customer service number and I know new customers will also and I would also like an option to donate to charities through chime and other tax write off programs should be added in a simple way that also teaches customers ways they could save money while helping the community I would like to see chime partner with the blm movement and use this as a chance to help Implement Financial techniques in a simple way while also teaching the benefits of financial understanding and also have a direct link to directly donate to blm movement and become the bank of black America and urban America and I also want to see a money lock savings program where if The customer put money in that particular account The customer would not be able to remove that money until a set day
  • Best Bank Ever... BUTTTTT Dec 11, 2020

    By RareSincere🌺
    Love Chime and really don’t want to bank anywhere else BUT... There are a few difficulties. 1) When the app goes down and you’re in the middle of shopping, can’t use your CARD or see balances. 2) I have direct deposit but if I cash a paper check the only way to add funds is at a payment center (CVS, Walgreens, etc) and you are CHARGED money to put money on your account. You see they want to be a bank but they want to operate like a those alternative bank card accounts people get that have issues with banks and can’t obtain a real bank account! They need free standing ATMS that accept cash/check deposits and WITHDRAWALS! 3) The only way to GET CASH is cash back at stores. AGAIN making it beneficial for them to have free standing ATMS. I don’t have to have CHIME. I also have BoA and WELLS FARGO, CHIME is a choice for me mainly because of no fees are associated. I LOVE the SAVINGS ACCOUNT & just started CREDIT BUILDER ACCOUNT.... So far so good... Although there are some minor nuances, quirks and hiccups I’M HERE TO STAY 😎
  • Oct 5, 2021

    By Hey Dude
    The online banking and app is convenient and there's a lot of features that are very useful. It's been a big help for me. They returned money to me from a dispute after i was scammed, took 2 months but nonetheless. Negatives are I don't particularly like not having access to all my money if I ever needed it, there's a daily withdrawal limit of $500. They don't tell you this up front. SERVICE DOWN several times (like when the stimulus dropped) with no access to money for hours or sometimes days.
  • Chime App / Direct deposit consistency Apr 21, 2021

    By Cmssas03
    Your application is awesome. It’s easy to use and I love the easy access to move money between checking and savings. The only frustration I have with chime is the timing of my direct deposit. The consistency of direct deposits are very good or very bad! Meaning there usually 2 days before payday. Which is very appreciated. Then there’s the direct deposits that don’t get posted to my account until I call several days after my payday has come and gone asking customer service when is my direct deposit going to be posted? And I’m given the same old excuse of we post it when we get it? And then magically after telling customer service the amount of my direct deposit not being posted to my account it magically is posted. The bank I used before I can to chime always posted my direct deposit to my checking account the same time for over 20 yrs! I came to Chime because I learned that my bank was holding my direct deposit for 2 days to make interest off of my paycheck before posting it to my account. But my previous bank always posted my direct deposit on payday for over 20yrs. I love my chime app but loathe your customer service and untimely direct deposits. Honestly if the direct deposits were always timely I would rate your app with five stars. Sincerely Scott Stewart
  • Loved it and then..... Jan 14, 2021

    By JM5376
    I got Chime originally as another “direct deposit” alternative to my regular bank account. Bonus, you could get paid 2 days early!! That was at the beginning and it was fantastic up until the last month or so. I never had issues with getting my direct deposit or mobile check cashing, again until recently. I used to mobile deposit and my money was available right away and best of all no fees for anything and I even had the overdraft. Which if I had a short week, it was just perfect for gas or groceries, but not so much to take my next paycheck. Recently, things have started to change. I’ve had to call more than once about my money and check cashing. My direct deposit always hit the same time because payroll always sends the same time. But it still is not posted and that’s even with the direct deposit receipt from chime to my employer. It’s sad really, I truly enjoyed the ease but when getting my money means I have to use the bot to get a call, it’s time to move on. I also had the credit builder and am glad I waited because if I have issues with getting my direct deposit, I can only imagine what would come up with the credit builder.
  • It’s ok! Jan 18, 2018

    By RoyalBossBee-ha!
    If your looking for a mobile bank this is what I recommend. I have tried other ones and so far this is the one I have stuck with. I get paid two days early, wich I love. The app is great and easy to work. I did have an issue with withdrawing money from an ATM machine at US BANK, which is where I go withdraw cash from. I withdrew $400 it gave them to me with that transaction I chose “Print Receipt” so I found out the limit to withdraw is $500. I then started to withdraw $100 more I chose “Not to Print a Receipt” bad idea because then the machine sounded like it was pulling the money and it was ready to dispense. When I get an error message on the screen saying “There was an error dispensing my money to please call my financial institution.” Which I did I called them they asked me for the receipt number which I didn’t have because I chose not to print a receipt. If I had a receipt they could of helped me faster. What happened next was they filed a dispute. I had to print out some forms, fill them out and fax them to them. Then it took 15 business days for them to review and finally credit me back those $100. The good thing is I did get my money back it just took some time.
  • Love hate relationship Mar 20, 2019

    By no nick name today chime!
    I originally went with Chime to get paid 2 days earlier. It’s their main selling point that three quarters of their client base was sold on. After having chime for almost 2 years I have to say I’m happy for the most part. Any time I want to make a cash deposit it costs me $5. Despite Chime saying they accept $1000 per day, the vendors that actually take the cash usually only accept $500 a day. I was given a large sum of cash from family and I had to spend a week depositing it and about $100 in fees for depositing it. Say I have $5000 in my account and I find a car I want to buy... it’s impossible since there’s a daily limit of $1000 at ATM’s, not to mention most ATM’s only let you take out $200 max per visit. Have fun paying your rent via money order. You’ll stand at the ATM for 10 minutes. The upside is that there’s no overdraft. Basically, if there’s not enough cash in the account it won’t even let the debit go through. I love getting paid two days earlier, but I always regret not having a physical location I can bank with. My suggestion is to just put up with the extra 2 days to get your paycheck.
  • Everything this great, but 1 major issue Mar 14, 2021

    By lisasweetpea777
    I started using this banking because of an issue with my other bank of 25+ years. I really love Chime except there was one major flaw in the system. If your phone breaks your screwed. I had like about $100 in my checking and about $200 in my savings and then my phone broke and I was without a phone for over 2 weeks. Well in order to pay for my replacement phone I was going to need to transfer the $200 from my savings to my checking, so I went onto my laptop to open it there but I had never used it on my laptop before or anywhere except my phone. In order to verify my identity they only have it available to do that with your phone! Yup that’s right broken phone equals no verification. When I called the bank to get them to transfer the money they couldn’t do that at all. So they had to close my savings account so the money would then transfer automatically to my checking. So if you get Chime make sure that you open it up on more than one device. Oh and the customer service was like talking to a 13 year old.
  • Loved it til… Sep 7, 2021

    By LuckDragon422
    This was seriously the best banking experience ever. Ever. Had all my peeps sign up. They loved it. All of us needed to cash US treasury checks. Absolutely dreamy. Practically instant. Until one day, my fiancé went to his app to cash his long awaited refund check from the irs, and he can’t. No mobile deposits unless you have direct deposit. What?!? I cashed 3 checks from the irs. My app gives me the option of mobile check deposit and asks which kind of check it is. His doesn’t even give him the option. Just leads him to sign up for direct deposit. We called customer service, the girl had no answer. No reason why. Even suggested we do some self pay from another account like it’s a direct deposit WHICH IS ACTUALLY NOT ALLOWED AND STATES IT IN YOUR RULES so why this rep even suggested it also just whoa. Really bad. So yeah. Why. Why’d you have to ruin my favorite app ever. With the little funny emojis every day telling me my balance. Also, why the days and days waiting for a transfer from my big bank? Cash app it’s available immediately. You guys, a week. Boo!
  • Decent but there are better banking apps Mar 22, 2021

    By invest55
    I say just decent, not too much transparency on sign up. You think it’s easier to use than it is .. If you are depositing cash weekly there is a fee wherever you go to deposit the cash, understandable it’s the retailer, but when Inquiring with customer service if there was any available way not spending 24$ a month to deposit the cash there was no clear answer,I later found out on my own you can’t. I did deposit funds in another account I had and and set it up to transfer, that came out of my bank almost immediately but sat in a limbo (still is) before it hitting my chime account. They come off as easy and fee- free but there are better banking or investing apps that are easier with better customer service.. It is helpful for international travel without a fee to swipe out of US .which is harder to find but getting your money in or out of the account will take a fee or a 7 day process also the limits for transferring are rather low 2000$ a month
  • I used to love Chime Nov 25, 2020

    By b.groves99
    I’ve been with Chime for years now. It was the second bank I’ve ever used. It was awesome in the beginning, I enjoyed the perks like no atm fees and the well designed app. But lately it has gone downhill fast. Starting when they disabled spot me without any notice and at this time I’ve lost my job due to COVID-19. So lately to make ends meet I’ve been making my money through Doordash and instacart and if you do either you know it can be very little amounts you make during certain times of the week. So I had my money transferred into my Chime account, witch was in the negative as it has been a lot lately for me. Well the amount I made witch was only $43 wasn’t even enough to cover my negative balance, witch wasn’t an issue because I had spot me. Well since I never got a notification that they had disabled spot me that $43 I had for the next day or two was gone and I went without the things I needed. I contacted Chime and explained my situation for them to only tell me that there was nothing they could do. After about 30 minutes of arguing, I finally gave up because I was getting no where. So I felt useless to my family and they were perfect okay with that. Now we’re here today, where I need to get the things I need and I cannot access my money yet once again. I’m just going to cut my loss and go back to the bank I first started with. It’s just a shame that they treat they’re loyal customers like this.
  • Waste of Time Mar 3, 2021

    By Cheykim
    So I opened my chime account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through the app, they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their account.
  • Oct 16, 2021

    By Ruthie Phelan
    It was amazing for almost a month. However, I recently got a new phone and cannot login for The life of me. It goes to a loading screen and nothing else. I've reset my password twice. Nothing seems to help. I can still log in through my old phone, just not my phone. I have no access to my account. No way to transfer my money out of there, and no way to view my balance. Hopefully a new update comes out soon that fixes it back to the way it was.
  • Customer Service Apr 12, 2020

    By dollfaccmd
    The app is great. It’s banking with Chime that sometimes really annoys me. They have really great features with the overdraft protection and it being completely free no fees. But i honestly dread calling chime to get any issues resolved. The people in SF who answers the phone are always pleasant and knowledgeable! When i get someone overseas i always find myself repeating myself. I have had to escalate and speak with managers but people are refusing to connect me with their supervisor. I always end up having to hang up and call back to just get some help. The claims department haven’t really been helpful at all. I keep getting charged for stuff and no one is able to provide me with an explanation and i am trying to block certain transactions that i never authorized and no one is ever willing to understand what i am trying to say or help. The customer service is HORRIBLE! I don’t get why i have to repeat myself being transferred from person to person then they ask me how i can help first then ask me to verify myself. I wish they just verify people first then all focus can be on helping me. By the time I’m done verifying they always make me repeat myself and then I’m irate. Please work on customer service and verify people FIRST and make sure people overseas work on requests and how to respond to people. They come off extremely rude ! I want to file a complaint for how i have been treated.
  • Takes days to pay anything. Jul 24, 2021

    By brewergamer
    I tried out Chime for about 2 years. Previous bank being a traditional brick and mortar bank. Chime has caused me a lot of issues by taking way too long to process transactions. I recently got a fee charged to me of 150 dollars by the DMV for declined transaction because Chime typically takes 3-5 days to pay bills. An issue I never had with Chase. Chase withdraws the amount from your balance immediately even if it’s not yet fully posted, as a courtesy for customers. Chime will wait the full posting period before actually taking the amount off your account. Being low income and living paycheck to paycheck this caused me a great many issues taking way too long to deduct the amounts from my account. Sometimes over a week. I do the same exact payment on my Chase card and it happens instantly. We almost had our utilities cancelled because Chime took over a week before they attempted to process the payment and by then I had spent what I had because I thought it had went through. This has happened to me so many times when I got fined 150 dollars by the DMV that was the last straw for me. Had to go into the DMV and pay with my regular bank card and it went through right away. Going back to a bank that processes debits instantly rather than waiting days. Cancelling this account
  • Third party transfers shouldn’t take 1-3 days Sep 11, 2019

    By Mike193725
    My biggest critique would be that third party transfers shouldn’t take 1-3 days. You name it Zelle, Venmo, PayPal, Popmoney heck even wirefas the worst of them all has instant third party transfers to your bank account. I transferred money off PayPal to my chime bank account and it cleared via PayPal. However, now I’m sitting 1-3 days hoping I’ll see my money soon. Let’s all be real though when they say 1-3 days they may as well say 3 days because there is no such thing as a range in banking. I really like the platform this bank offers but it’s practically useless for me because third party transfers are everything to me with a bank account. With all that being said, I’m not sure if I’ll stick around I just hope people read my review before they cash out via anywhere third party to their bank account. I just see it as highway robbery I mean what’s my money doing sitting there in transit. Shouldn’t I get interest on my loan I’m giving chime to hold onto for three days? Probably not.... but I hope they fix this because I’d move all my money on their platform if they could fix this.
  • Temporary card Oct 13, 2020

    By SySy Miller
    NEVER received my temporary card. I also had issues adding my temp card to my virtual wallet despite my entering all of the numbers correctly. I can’t set up allotments to pay my bills which means I have to go to the stores physically and hope they have tap to pay because I have no physical card. Chime was supposed to make my life easier and ended up being more difficult than using my bank. I will be switching my direct deposit back to my original bank. I only switched because my bank hadn’t issued me a new debit card or fixed my account issues by the time my first check came for my new job. I needed somewhere to place my new direct deposit funds because I had bills to pay ASAP that I couldn’t afford to allow to be slowed by my original banks process. I since have received my debit card from my original bank but STILL NO PHYSICAL CARD FROM CHIME & in the app it says it was mailed out in the beginning of October. I am not really happy with the kinks. I had to google to find out that I wouldn’t be able to add Chime to my apple wallet at all and had to sync it to my cash app.
  • Spammy feeling app! Apr 16, 2021

    By E.Alr.
    I literally just opened an account and I’m already looking for a new bank. On paper Chime seems great but I found the app to be incredibly obnoxious. I don’t get direct deposits where I work, it’s not a choice. The app has huge ads that you can not get rid of telling you to sign up, you are not allowed to see your spending account transactions until you sign up for direct deposit, over all it is very annoying, makes it less intuitive to navigate and the “used car salesman” vibe totally undermines my trust in the safety of my money here. I understand they want everyone to do direct deposit but they should just be up front that it is required, because I absolutely can not live with this amount of spam in an app that I would be using daily. I am also weirded out that when you transfer money to Chime (from Venmo, PayPal or another bank) it can take a full 7 business days. I see that some other reviewers love it for the simplicity and no fees...and that’s great for them, but if you can’t or don’t want to do direct deposit then I would look elsewhere.
  • Oct 19, 2021

    By Sherri Cook
    Worst Customer Service EVER!!!! I have been with Chime for 7 years and it has gotten progressively worse each year. I thought I would try their new Credit Builder Card and someone stole my wallet and I disputed the transactions. It has been over a month and they have no updates on when my money will be returned to me but they will conclude the investigation by December! DECEMBER?!!! ARE YOU KIDDING ME? Talking to a Supervisor is a joke. Dont trust them with your money!
  • Oct 16, 2021

    By Jon Maximus
    I was able to deposit checks and then suddenly lost this feature. After having a call with support (who really tried his best) it seems I'm at the mercy of "the system" which assesses my eligibility for using the feature and they can't manually restore it. Because I had one bad check from my health insurance, I'm seemingly permanently blocked from using a very basic feature of any bank with no recourse. This is an unfortunate deal-breaker for me because everything else about chime was great.
  • Chime is a joke. Aug 18, 2021

    By monelxc330
    I’ve had chime for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where chime has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is chime and their lies, I’ve never had an issue with chime but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old.
  • Oct 17, 2021

    By Dmitry Shats
    I could not register due to google Maps' suggested home address they use via new account registration did not match USPS verification. After multiple attempts, I was able to manually provide the "acceptable" address format that USPS uses sometimes; however, Chime rejected my application, after all, despite excellent credit history. This made me curious that it could be related to my mail address issue and no options to address this issue.
  • Oct 13, 2021

    By Corey Keller
    Inconsistent, cannot transfer my money from outside banks anymore (worked fine first few times, now it's been months and I still cannot transfer my money and chime support has given me zero help). Also cannot connect to Venmo to transfer my balance from there to my chime account. When it did work those first times, transfers take almost a full week to go through and chime will pull the money from one account but it won't appear in the chime account for days after that. Closing my account asap.
  • Liars Jan 20, 2020

    By lliicciiaa
    They do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45.
  • Oct 17, 2021

    By cosette barnes
    Chime and me has had a great relationship up until now, whatever is going this evening I can't log in to the chime app nor reset my password, the link they send to you is bogus and will keep kicking you out, try calling customer service to report the issues and they're asking me for my last transaction like what does my last transactions have to do with your link not working to reset my password, this is BS! And I'm UPSET but go and open me up a real bank account, this is a REAL inconvenience.
  • REAL REVIEW WORTH READING!!! Aug 31, 2020

    By Karima👏🏽
    Do NOT OPEN AN ACCOUNT WITH CHIME!!!! Go to local bank that have real walk-ins and actual have real people you can speak with face to face. I requested information on a transaction that was made and they decided to rather give me more information about the transaction they deactivated my card. I never gave them the agreement to close my card. I found out the hard way while i was shopping and trying to purchase my itmes and my card was declining. I called customer service multiple times to tell them that it was an error from their side. I requested a temporary card and THEY DO NOT GIVE YOU TEMPORARY CARD AT ALLL!!! You are stuck waiting two weeks for a new card to come! You can not even take out your money and they lie to you by telling you can transfer your money to another bank for “easy access” but once i link another bank and try to move my money, my money disappeared!!!! They lost my money and its not in my chime account and its not in my other bank account. Talking to customer service is the worst, they will just transfer you to another department and ask you the same three questions because they themselves dont know what they are doing. Worst bank ever! They dont help you when you need help! They dont value you as a customer! I SUGGEST you open an account with a local bank that gives you Temporary cards while your card is being shipped out.
  • So disappointed in chime Dec 7, 2020

    By stephens jessica
    I have been a chime bank for over two years I put a lot of money into this bank recently ,I had my card disabled because I couldn’t find it. And chime bank lead budget Rent-A-Car take out every single time in my bank account and $3200 on top of my unemployment and now I’m -$75 I called them to try to get some of my money back because it was an unauthorized transaction not only was the card disabled they had blocked this company in the past so they let them take my whole entire bank account I have a five-year-old and I don’t even have a dollar I told him that I wouldn’t be able to even feed my son they did not care and they told me I would have to wait till the 18th I don’t know what I’m gonna do I’m freaking out and I don’t even know how to feed my son so thank you so much chime bank as soon as I get my money back i’m going to be closing this bank account it’s really disappointing because I really like them but not answer the situation you don’t they should’ve never allowed I don’t care what company it is to take more than you even have in your bank account they -258 on my bank account but if I would’ve took my card in place order I would’ve got denied so someone made a state mistake no one will help me and they don’t care if me and my son starve! Thank you chime bank during a pandemic when. I’m laid off
  • Bank smarter May 26, 2021

    By Teddydagr8
    This is a great way to start out with your first bank while also getting the worse support. I filed for a credit card with them to attach to my main debit card and the card never came until I filled again with customer support for the second time to get a new card and that card never came in. Sadly enough the card is connected to my account and I can’t take it off. My wife filed and got hers on time and used it just for 4 months later that it drops her credit score. I used the pay friend feature and mistakenly sent the money to the wrong person. I filed a dispute after telling 4 different people the same story. They finally filed my dispute and investigated it 40 minutes later they email telling me is no error and it’s settled. Now I can’t my money back or credit for it. I added my card to my taxes. Nope bad idea. They asked for my information and I sent it in they held my account foot 3 weeks before asking for my information again then decided that they’ll investigate to see if I’m really who I say I am. Finally I receive my money after my wife and I called 3 times and complained to customer service about not receiving my money after a month later. Bank smart try BB&T or Navy federal because the customer support is horrible and they’re not serious about your money like you are.

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