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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 544K+ 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!!
  • Jul 29, 2021

    By Rebecca Jayne Rogers
    I love the fact that I get my paycheck one day early, sometimes before 5:00pm!! And I'm grateful for the spot me free overdraft protection! I also like the way it can be linked to other apps such as Cashapp, Venmo, Afterpay and Affirm. This is, by far, the most user friendly bank I have had the pleasure of dealing with!
  • 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.
  • Jul 29, 2021

    By Stephanie Lynn
    I have been using Chime for years and I love it. My only complaint is the app loads very slowly. Often times, I have to make a transfer quickly while waiting in line to pay. Its very awkward being at the front of a line of people waiting to pay for their stuff, and having to stand there awkwardly for 60+ seconds while the Chime app opens.
  • 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!
  • Jul 20, 2021

    By stafford Rector
    No bank fees!!! No overdraft fees!!! No ATM fees!!! Who wouldn't want to bank with a no fees bank! I haven't had a bad experience the 2 years I've been a member with Chime. Even Spotme has helped me out a lot. And now their Credit Builder Card can be used at the ATM. Thats even better! I can use it as a credit card or at ATMs. I love banking with Chime.
  • Jul 29, 2021

    By Evan
    I've been a user for 7 years now, and what I can tell you is I absolutely love Chime. You can tell from using Chime that they care about the small things. I've never had another bank that has an app where you can refresh your balance on the app, without having to close it and reopen it. They truly do pay you 2 days early, but also when a company posts a refund to your account, you get it that same day. It's insane. I've been there since Chime started, and I will forever be a customer of 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!!
  • Jul 29, 2021

    By Rebecca Jayne Rogers
    I love the fact that I get my paycheck one day early, sometimes before 5:00pm!! And I'm grateful for the spot me free overdraft protection! I also like the way it can be linked to other apps such as Cashapp, Venmo, Afterpay and Affirm. This is, by far, the most user friendly bank I have had the pleasure of dealing with!
  • 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.
  • Jul 29, 2021

    By Stephanie Lynn
    I have been using Chime for years and I love it. My only complaint is the app loads very slowly. Often times, I have to make a transfer quickly while waiting in line to pay. Its very awkward being at the front of a line of people waiting to pay for their stuff, and having to stand there awkwardly for 60+ seconds while the Chime app opens.
  • 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!
  • Jul 20, 2021

    By stafford Rector
    No bank fees!!! No overdraft fees!!! No ATM fees!!! Who wouldn't want to bank with a no fees bank! I haven't had a bad experience the 2 years I've been a member with Chime. Even Spotme has helped me out a lot. And now their Credit Builder Card can be used at the ATM. Thats even better! I can use it as a credit card or at ATMs. I love banking with Chime.
  • Jul 29, 2021

    By Evan
    I've been a user for 7 years now, and what I can tell you is I absolutely love Chime. You can tell from using Chime that they care about the small things. I've never had another bank that has an app where you can refresh your balance on the app, without having to close it and reopen it. They truly do pay you 2 days early, but also when a company posts a refund to your account, you get it that same day. It's insane. I've been there since Chime started, and I will forever be a customer of Chime.
  • Jul 29, 2021

    By Stacy Parker
    Greatest Pre-paid Card since sliced bread! Allows you to go over if you mis calculate, and the best thing is they report to the credit agencies and let them know how good your doing! Works everywhere I've tried using it and there are free atm's all over the place! Would be lost without it now that I have it! Awesome Card!
  • 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!
  • 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.
  • Jul 20, 2021

    By Monique Watson
    Love the card service but the app itself is a hassle, how are they not allowing me to enter my # password to get into my account when they're adding an extra number in? Not the log in part, the second part before you enter. I installed an reinstalled the app many times an still can't get into my app. I've been a customer for a while now, an these last 2 months makes me change mind about chime because this is my money we talking about, an it's nothing to just play with. Smh
  • 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.
  • Jul 21, 2021

    By tieyameka huey
    Chime was great until just recently, it logged me out of my account on its own then I have reset my password over 7 times and Everytime I get the same response password and email don't match their records and when you talk to someone from customer service the only option they give you is to close out an account but you have to wait a minimum of 90days before opening it back up .... Before I would have recommended this app to everyone but now NOPE!!!!!😡.
  • Jul 24, 2021

    By Breanna Miller
    I agree I've been having trouble with this app that's why I deleted and when you contact the person it's like no help or nothing how log out and you can log back in that don't make no sense in that ATM stuff that's a lie they charge you believe it or not all lies because on Gmail you have to talk to more than one person then they have a operator they send me two operators they should send you directly somebody to talk to make no since you should be able to get into your account with no problem
  • 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.
  • Jul 23, 2021

    By Briina Monroe
    Just signed up finally got my card and my direct deposit went through, however there are so many tech issues goin on cany even see my balance . The app is all jacked up and crashes all the time . I honestly regret using this "bank" got mu direct deposit .seriously thinking about closing this account and going back to good old green dot. Edit: Just when I thought all was well . I made a purchase yesterday, went to return it today and the money has not been refunded.
  • Jul 22, 2021

    By Blain Gunter
    Created account. Logged in. "Your card is unavailable because you logged in" what?... how am I supposed to get my details?? Call, went in circles trying to get the right menu options, then they hung up on me. I contacted support explaining what is going on and what I did, so they replied telling me to do what I told them I've already done. I'd be embarrassed if I ran or worked for this company.
  • 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
  • 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!!
  • Jul 29, 2021

    By Rebecca Jayne Rogers
    I love the fact that I get my paycheck one day early, sometimes before 5:00pm!! And I'm grateful for the spot me free overdraft protection! I also like the way it can be linked to other apps such as Cashapp, Venmo, Afterpay and Affirm. This is, by far, the most user friendly bank I have had the pleasure of dealing with!
  • 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.
  • Jul 29, 2021

    By Stephanie Lynn
    I have been using Chime for years and I love it. My only complaint is the app loads very slowly. Often times, I have to make a transfer quickly while waiting in line to pay. Its very awkward being at the front of a line of people waiting to pay for their stuff, and having to stand there awkwardly for 60+ seconds while the Chime app opens.
  • 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!
  • Jul 20, 2021

    By stafford Rector
    No bank fees!!! No overdraft fees!!! No ATM fees!!! Who wouldn't want to bank with a no fees bank! I haven't had a bad experience the 2 years I've been a member with Chime. Even Spotme has helped me out a lot. And now their Credit Builder Card can be used at the ATM. Thats even better! I can use it as a credit card or at ATMs. I love banking with Chime.
  • Jul 29, 2021

    By Evan
    I've been a user for 7 years now, and what I can tell you is I absolutely love Chime. You can tell from using Chime that they care about the small things. I've never had another bank that has an app where you can refresh your balance on the app, without having to close it and reopen it. They truly do pay you 2 days early, but also when a company posts a refund to your account, you get it that same day. It's insane. I've been there since Chime started, and I will forever be a customer of Chime.
  • Jul 29, 2021

    By Stacy Parker
    Greatest Pre-paid Card since sliced bread! Allows you to go over if you mis calculate, and the best thing is they report to the credit agencies and let them know how good your doing! Works everywhere I've tried using it and there are free atm's all over the place! Would be lost without it now that I have it! Awesome Card!
  • 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.
  • 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.
  • 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.
  • 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
  • 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.
  • Jul 20, 2021

    By Monique Watson
    Love the card service but the app itself is a hassle, how are they not allowing me to enter my # password to get into my account when they're adding an extra number in? Not the log in part, the second part before you enter. I installed an reinstalled the app many times an still can't get into my app. I've been a customer for a while now, an these last 2 months makes me change mind about chime because this is my money we talking about, an it's nothing to just play with. Smh
  • 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
  • Jul 21, 2021

    By tieyameka huey
    Chime was great until just recently, it logged me out of my account on its own then I have reset my password over 7 times and Everytime I get the same response password and email don't match their records and when you talk to someone from customer service the only option they give you is to close out an account but you have to wait a minimum of 90days before opening it back up .... Before I would have recommended this app to everyone but now NOPE!!!!!😡.
  • Jul 24, 2021

    By Breanna Miller
    I agree I've been having trouble with this app that's why I deleted and when you contact the person it's like no help or nothing how log out and you can log back in that don't make no sense in that ATM stuff that's a lie they charge you believe it or not all lies because on Gmail you have to talk to more than one person then they have a operator they send me two operators they should send you directly somebody to talk to make no since you should be able to get into your account with no problem
  • 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.
  • Jul 23, 2021

    By Briina Monroe
    Just signed up finally got my card and my direct deposit went through, however there are so many tech issues goin on cany even see my balance . The app is all jacked up and crashes all the time . I honestly regret using this "bank" got mu direct deposit .seriously thinking about closing this account and going back to good old green dot. Edit: Just when I thought all was well . I made a purchase yesterday, went to return it today and the money has not been refunded.
  • Jul 22, 2021

    By Blain Gunter
    Created account. Logged in. "Your card is unavailable because you logged in" what?... how am I supposed to get my details?? Call, went in circles trying to get the right menu options, then they hung up on me. I contacted support explaining what is going on and what I did, so they replied telling me to do what I told them I've already done. I'd be embarrassed if I ran or worked for this company.
  • Jul 27, 2021

    By Debra Payne
    People are friendly but not knowledgeable in the least. The app does not work properly and I described the problem and over to no avail, there simply was no one on the other end getting it. The concept of this bank is ok, and the employees seem warm and kind, but that just isn't enough if there is no one to receive and delegate issues properly and efficiently so that the app to your DIGITAL BANK is running smoothly.
  • 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.
  • Jul 27, 2021

    By Kickin' Billiards
    User beware! I have a completed and fraudulent charge on my account, they won't do anything about it because there is a duplicate pending. So, my account is overdrawn due to fraud, I cant go to work with nearly $200 stolen from me, and there response is "just wait". They also inform creditors of your deposits and unlock your card if you are using their supposed security feature.

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