Facebook_pixel
Chime - Mobile Banking

Chime - Mobile Banking

Chime

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

4.7 Ratings 346K+ Reviews 5M+ Downloads
Featured on Top Apps to Organize Your Budget as a Full-Time Freelancer

About Chime - Mobile Banking

Banking with no hidden fees, fee-free overdraft, and early direct deposit.
see more about Chime - Mobile Banking

Ratings & Reviews

4.7
346.4K+ Ratings
  1. 5
    86%
  2. 4
    8%
  3. 3
    2%
  4. 2
    1%
  5. 1
    4%
  • I LOVE CHIME May 7, 2020

    By Stewe66
    I have banked with suntrust and Wells Fargo through my early financial years I started banking and I was 15 I believe under a joined account with my mom after being a irresponsible kid and over drawing my account countless time paying fee after fee I was tired of regular banks and that’s where chime came in they are absolutely amazing cute little features like telling me my balance in the morning with emojis 😹actually allowing for overdraft with a feature called spot me it allow you to overdraft up to$75 with no fees for when your like one day away from payday and you need some gas to get to work or just a extra cup of coffee to get your morning going chime literally has your back I would definitely recommend the app to any young people who want to start banking that may not have a lot of experience budgeting, saving , or spending money in a bank account they send you a card that is compatible with Apple Pay which makes it so convenient and user friendly their customer service line is always responsive and very nice if I had to change one thing with chime it would be to add a feature to be able to search for through your transactions and maybe add Zelle to the app or a feature that would allow me money directly from my bank account to other people who don’t have a chime account without having to use cashapp or PayPal other than that they are doing totally awesome
    more
  • Sep 24, 2020

    By Casey Albanito
    I've never had an easier time with a banking app than I've had with Chime. Everything is clear, concise, and user friendly. Not to mention the stellar service. You can use a temporary card for purchases while you wait for your new card to come in, they give you a breakdown of your balance every day, and they make saving easy with automatic transfers or rounding up. I had a more difficult time closing my old bank account to switch to Chime than I had creating my new account. Never going back!
    more
  • Pretty good, takes too long to transfer money though May 12, 2020

    By Zldnosnsk
    I really do like this app. I am one that hates banks and how they allow accounts to go over then charge people overdraft fees. It’s literally taking money from people who have none and that should be a crime. Chime doesn’t do that and they actually do prioritize their customers. I think this is a revolutionary app for banking. I hope it picks up traction and changes how banking is done completely. The direct deposit is fantastic. You do get your money early thanks to Chime and it definitely helps. They also have the “round up & save” feature for people who struggle to save money. My only problem with it is that it takes far too long to transfer money. Like a week to transfer. And they have a very small daily limit for transferring (like $200). It can become frustrating when I’m trying to budget my money by separating bill money from spendable money. They keep saying it’s just the banking system, and I know they must have to make some sacrifices in order to be able to provide such great services without all the fees banks drop on us. I just wish there were options to pay a fee for an instant transfer to your bank like Venmo or Ca$h App. I’m sure with increased popularity eventually somewhere along the line of updates will be an option for instant transfers. It just doesn’t exist now.
    more
  • 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!!
    more
  • Sep 11, 2020

    By J Romano
    Great card. It get my paycheck early, no overdraft fees, no monthly fees and no fee atm's available. Plus, they offer a credit builder card that you control. Just put the amount of money you want into it every month and it is reported as a line of credit. 4 stars only because if you loose it and you want cash, you have to wait for another card. It would be nice to have temporary access through the app just in case.
    more
  • 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.
    more
  • 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.
    more
  • Sep 27, 2020

    By Athena Goddess of War
    If I could give 0 stars I would. When I first got the bank account I loved it. The moment I needed a new card because someone was trying to use my account, things went very very wrong. I have tried to have 5 new debit cards sent to me. None have made it to my home. I can not access the money in my account because I don't have a debit card. Found out that you can not transfer money to any account that is from another online bank I have tried all of the ones they have suggested. It has been a year
    more
  • 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.
    more
  • Sep 25, 2020

    By Jason Holley
    Annoying To Use. Each time I attempt to log in using my fingerprint it says Oops! and I have to enter my email and password, which defeats the purpose of the the fingerprint option. I then have to enter and reenter a four digit PIN each time I log in. It then kicks me out of the app and I have to do it all over again just to check my balance. This happens each time I open the app. I've never had so much trouble logging into an app before and it is major annoyance.
    more
  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 CHIME May 7, 2020

    By Stewe66
    I have banked with suntrust and Wells Fargo through my early financial years I started banking and I was 15 I believe under a joined account with my mom after being a irresponsible kid and over drawing my account countless time paying fee after fee I was tired of regular banks and that’s where chime came in they are absolutely amazing cute little features like telling me my balance in the morning with emojis 😹actually allowing for overdraft with a feature called spot me it allow you to overdraft up to$75 with no fees for when your like one day away from payday and you need some gas to get to work or just a extra cup of coffee to get your morning going chime literally has your back I would definitely recommend the app to any young people who want to start banking that may not have a lot of experience budgeting, saving , or spending money in a bank account they send you a card that is compatible with Apple Pay which makes it so convenient and user friendly their customer service line is always responsive and very nice if I had to change one thing with chime it would be to add a feature to be able to search for through your transactions and maybe add Zelle to the app or a feature that would allow me money directly from my bank account to other people who don’t have a chime account without having to use cashapp or PayPal other than that they are doing totally awesome
    more
  • Sep 24, 2020

    By Casey Albanito
    I've never had an easier time with a banking app than I've had with Chime. Everything is clear, concise, and user friendly. Not to mention the stellar service. You can use a temporary card for purchases while you wait for your new card to come in, they give you a breakdown of your balance every day, and they make saving easy with automatic transfers or rounding up. I had a more difficult time closing my old bank account to switch to Chime than I had creating my new account. Never going back!
    more
  • Pretty good, takes too long to transfer money though May 12, 2020

    By Zldnosnsk
    I really do like this app. I am one that hates banks and how they allow accounts to go over then charge people overdraft fees. It’s literally taking money from people who have none and that should be a crime. Chime doesn’t do that and they actually do prioritize their customers. I think this is a revolutionary app for banking. I hope it picks up traction and changes how banking is done completely. The direct deposit is fantastic. You do get your money early thanks to Chime and it definitely helps. They also have the “round up & save” feature for people who struggle to save money. My only problem with it is that it takes far too long to transfer money. Like a week to transfer. And they have a very small daily limit for transferring (like $200). It can become frustrating when I’m trying to budget my money by separating bill money from spendable money. They keep saying it’s just the banking system, and I know they must have to make some sacrifices in order to be able to provide such great services without all the fees banks drop on us. I just wish there were options to pay a fee for an instant transfer to your bank like Venmo or Ca$h App. I’m sure with increased popularity eventually somewhere along the line of updates will be an option for instant transfers. It just doesn’t exist now.
    more
  • 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!!
    more
  • Happy customer! Sep 7, 2019

    By cmb101009
    Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with Chime. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in the app, it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.) Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. Chime has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with chime and I hope that it never does. Not revenant to the app or bank- but cashiers at the store always say the card is a cute color lol.
    more
  • Sep 11, 2020

    By J Romano
    Great card. It get my paycheck early, no overdraft fees, no monthly fees and no fee atm's available. Plus, they offer a credit builder card that you control. Just put the amount of money you want into it every month and it is reported as a line of credit. 4 stars only because if you loose it and you want cash, you have to wait for another card. It would be nice to have temporary access through the app just in case.
    more
  • 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.
    more
  • Great so far! Jan 29, 2020

    By Teh_Black_One
    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!
    more
  • 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.
    more
  • Sep 26, 2020

    By Tre Miller
    Exactly what banking should be. I'd rate it 5 but since I activated credit builder, the amount I chose to move to the credit builder account didn't move when my direct deposit hit. Same for my 10% savings. Hopefully I don't have to manually do it, but it really wouldn't be a deal breaker.
    more
  • Sep 11, 2020

    By Tracey Harmon
    Decent app, not happy that there is a limit on sending from one account to another. Also I have overdraft protection and I attempted to use it for the first time ever since having it and my card was declined and the money I did have in there was placed on a hold for a week before being released back into my account. Was very upset. So only giving 3 stars.
    more
  • 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.
    more
  • 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.
    more
  • Sep 27, 2020

    By Athena Goddess of War
    If I could give 0 stars I would. When I first got the bank account I loved it. The moment I needed a new card because someone was trying to use my account, things went very very wrong. I have tried to have 5 new debit cards sent to me. None have made it to my home. I can not access the money in my account because I don't have a debit card. Found out that you can not transfer money to any account that is from another online bank I have tried all of the ones they have suggested. It has been a year
    more
  • 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.
    more
  • Sep 25, 2020

    By Jason Holley
    Annoying To Use. Each time I attempt to log in using my fingerprint it says Oops! and I have to enter my email and password, which defeats the purpose of the the fingerprint option. I then have to enter and reenter a four digit PIN each time I log in. It then kicks me out of the app and I have to do it all over again just to check my balance. This happens each time I open the app. I've never had so much trouble logging into an app before and it is major annoyance.
    more
  • False advertising Jul 14, 2020

    By sjlsl jekskckxkc
    I’ve been a user of Chime for over a year now and I wish I could be pleased with this company. The $100 limit for SpotMe is impossible to attain no matter how frequently your paychecks come or the amount they come in. I’ve been a faithful repaying customer in SpotMe over the last year and my limit only reached $45, then fell to $20 when I lost my job due to Covid. I referred over five friends who signed up for chime through my link. The link my chime app gave me was faulty and didn’t give me proper credit for the incentive, so I forwarded Chime plenty of screenshots and emails proof so that they would see I was the reason for those new users and get the incentive. Chime did not apologize for the faulty link, did not accommodate any type of manual incentive, and the agents who responded closed all of my issues and told me they couldn’t do anything. If you have any type of issues with SpotMe or the friends incentive, chime agents can do nothing for you. They give you long wordy excuses about how there’s many factors involved and how nothing can be done and close their issue. What’s the point of having representatives if there is nothing they can do, even to keep a loyal customer. This company is a scam, go to a trusted bank if you want to see them follow through with advertised benefits because this isn’t for you.
    more

What’s Groovy

What’s Subpar

Loading...

Ask