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Chime - Mobile Banking

Chime - Mobile Banking

Chime

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

4.7 Ratings 290K+ Reviews 5M+ Downloads
Featured onTop Apps to Organize Your Budget as a Full-Time Freelancer
Banking with no hidden fees, fee-free overdraft, and early direct deposit.
see more about Chime - Mobile Banking

Ratings & Reviews

4.7
289.5K+ Ratings
  1. 5
  2. 4
  3. 3
  4. 2
  5. 1
  • 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
  • Jul 6, 2020

    By Irma Osorio
    I like how easy and convenient the Chime app is. They remind me every morning how much funds I have which is nice cause I dont have to call a number to check my balance. I can transfer and move money from the comfort of my home. They are the friendliest and most giving bank I have ever been with.
    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
  • Jul 1, 2020

    By Kari
    so far, so good. have used chime for years but went exclusively with chime the past 6 months and am thrilled. I get deposits days sooner, most retailers accept it, no fees, even has a savings account attached with 1.0% apr interest. I haven't had any issues at all. even used an out of network ATM and only the ATM fees applied, none from chime.
    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
  • Jun 28, 2020

    By - -ωєѕт- -
    Didn't let me open an account I saw reviews on YouTube about this app and I went to register online once I put my information and SSN it just gave me a warning saying I can not access the chime app since we are unable to open an account for you "Unfortunately, based on the information provided, we were unable to open a Chime Deposit Account for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information."
    more
  • I don’t even know they have 4.8 Mar 31, 2020

    By juanCMercedes
    You are the worst! All of you should do yourself a favor and dip out ASAP. I am dealing with a fraud and it is taking more then 60 days for them to complete. Every time I try to get a hold of them they keep telling me 45days on the 47th day and 45days after. Always 45 days. They refuse to return my funds and never have a live representative to talk too. Their Resolution department does not have a phone number and refuses to talk to anyone. Their HORRIBLE. I just went out and got a new bank account. This bank can ruin someone’s life with all the loop holes you have to go through if 1 thing goes wrong. You have no protection on your card and info. Good luck if your trying to speak to someone who speaks proper English. Your dealing with someone else’s money you should know how to talk so they understand. I was also lied too and told by A representative that I would have my money back into my account on November 30. I saw that it was never there so I called back and was told again, 45 days. I will never use them again. I had the case reopen and been waiting with PROOF and all. I refuse to put any money into that account until it’s solved. But I just went out and got another bank account that is much better. Do yourself a favor don’t deal with the hassle and get something that will protect you.
    more
  • Jul 1, 2020

    By braxton powell
    Was great until recently I had money used from my account without my permission. Told me there was no foul play and it's been a month and a half and I'm still fighting for my money back. Chime doesn't care about their customers as I can say from being a member for 2+ years I'm ending that partnership as we speak. Hope this is an eye opener. Chime has been hacked on multiple occasions and would suggest anyone to look up their history before banking with them
    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
  • Jul 6, 2020

    By Irma Osorio
    I like how easy and convenient the Chime app is. They remind me every morning how much funds I have which is nice cause I dont have to call a number to check my balance. I can transfer and move money from the comfort of my home. They are the friendliest and most giving bank I have ever been with.
    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
  • Jul 1, 2020

    By Kari
    so far, so good. have used chime for years but went exclusively with chime the past 6 months and am thrilled. I get deposits days sooner, most retailers accept it, no fees, even has a savings account attached with 1.0% apr interest. I haven't had any issues at all. even used an out of network ATM and only the ATM fees applied, none from chime.
    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
  • Jul 3, 2020

    By Paris Chantelle
    Had acct for abt a month it has been a 50/50 experience. My 1st paycheck came 4 DAYS EARLY!! i haven't had a 2nd check to see if this is a trend. There are no overdraft fees bcz if you don't have enough $$, it won't allow the charge to go. BUT, it is lacking in features. NO Zelle support. NO depositing money at approved ATMs. Getting human help is hard. UPDATE 6.27.19 - checks now only coming 2days as advertised. I still wouldn't ask a friend to join, even though they ask me to in emails.
    more
  • Jul 4, 2020

    By Lissa Howe
    I love it no fees no hassel it is better than any other bank I have ever used. The spot me over draft feature is a life saver ,when money gets tight. Although I dont under stand why they stoped this on my account. My job was shut down for three months due to the covid 19 pandimic. I have just recived my first pay direct deposited to my account sence returning to work and the spot me feature is not working.
    more
  • Jul 5, 2020

    By E Potts
    I just put money into my account for the first time. Four hours later I check to see if my correct balance shows. It doesnt and I see according to them it shows up in two hours. UPDATE- the ap is working fine. The mistake to my account was from the store where I added money to account. It took more than one attempt to deposit a check by photo.
    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
  • Jul 4, 2020

    By Eric
    I like the Chime but be aware that the card might not work everywhere. Some businesses may see it as a prepaid card. I can't use it for gas at Sam's Club unless $100 is on the card. Having access to my money a day and a half earlier is nice. The biggest complaint I had was with the login process but now it works with the phone's fingerprint reader. I like the transaction text notifications when it's working.
    more
  • 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.