Chime – Mobile Banking

Chime – Mobile Banking

Chime

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

4.7 Ratings 762K+ Reviews 10M+ Downloads

Ratings & Reviews

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    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
    3 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
  • What’s the catch? Nov 27, 2021

    By Jessie🤙🏻🤙🏻🤙🏻
    There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe.
  • May 18, 2022

    By Paige Spencer
    The app is easy to navigate. Ability to lock or unlock my cards & view my card information right through the app is super convenient. Also, easily transfer between checking, savings, &credit accounts. Being able to utilize the Spot Me feature on rainy days between paychecks was a huge relief. To top it off, it's stupid easy to send money to family & friends when they're in need, and vice versa with receiving money. Oh yea, and I get my direct deposit two days earlier than my original payday.
  • 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.
  • May 25, 2022

    By Chase Parrish
    Really like this app, and bank. But tbh the cards are really dull, flimsy and ugly. For an up to date online only bank the cards could use a little improvement, especially with features not offered like tap to pay. Also, you can't do joint checking accounts, which is a big negative to pretty much any married couple.
  • 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!!
  • Apr 20, 2022

    By M R
    Great Alternative Banking App for those of us with low Income or looking for a way to build credit without the hassle. All digital banking. All the benefits. No hidden fees. Great interest rates on their savings account, and the Credit Builder Card is a perfect way to build/ improve your credit without the pressure of high interest rates or paying the bill on time. Chime makes banking and credit building a breeze! I definitely recommend. I've been with Chime for nearly 6 years!
  • Apr 23, 2022

    By Timothy Allen
    I am always hesitant to make changes especially when it concerns financial matters, but changing to Chime has been relatively stress free. It was easy to apply and set up. It is easy to keep track of my spending and savings with daily notifications. It is easy to send a check to pay companies or banks that don't have online bill pay options. It is nice to see my direct deposit 2 days early. So far, it has been a relief after how complicated my old bank was making it to connect to my own money.
  • 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.
  • What’s the catch? Nov 27, 2021

    By Jessie🤙🏻🤙🏻🤙🏻
    There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe.
  • May 18, 2022

    By Paige Spencer
    The app is easy to navigate. Ability to lock or unlock my cards & view my card information right through the app is super convenient. Also, easily transfer between checking, savings, &credit accounts. Being able to utilize the Spot Me feature on rainy days between paychecks was a huge relief. To top it off, it's stupid easy to send money to family & friends when they're in need, and vice versa with receiving money. Oh yea, and I get my direct deposit two days earlier than my original payday.
  • 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.
  • May 25, 2022

    By Chase Parrish
    Really like this app, and bank. But tbh the cards are really dull, flimsy and ugly. For an up to date online only bank the cards could use a little improvement, especially with features not offered like tap to pay. Also, you can't do joint checking accounts, which is a big negative to pretty much any married couple.
  • 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!!
  • Apr 20, 2022

    By M R
    Great Alternative Banking App for those of us with low Income or looking for a way to build credit without the hassle. All digital banking. All the benefits. No hidden fees. Great interest rates on their savings account, and the Credit Builder Card is a perfect way to build/ improve your credit without the pressure of high interest rates or paying the bill on time. Chime makes banking and credit building a breeze! I definitely recommend. I've been with Chime for nearly 6 years!
  • Apr 23, 2022

    By Timothy Allen
    I am always hesitant to make changes especially when it concerns financial matters, but changing to Chime has been relatively stress free. It was easy to apply and set up. It is easy to keep track of my spending and savings with daily notifications. It is easy to send a check to pay companies or banks that don't have online bill pay options. It is nice to see my direct deposit 2 days early. So far, it has been a relief after how complicated my old bank was making it to connect to my own money.
  • 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.
  • Apr 28, 2022

    By Sarah E. Ferguson
    Makes banking, paying bills, friends, ect so much easier! No need to call the number on the back of your card to find out a balance or having to use a computer to access your account. With this app I can access all my information on the go! Along with putting money away in savings and take care of all my needs in life with this app and card! I also love the fact that when I need to add money to my card, I can add money without being charged for it. LOVE IT!!!
  • 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!
  • Crap customer service Jan 24, 2022

    By cabenZee
    I’ve been with a lot of banks and I’ve never had somebody tell me that I’m not able to cancel my cards based on me not knowing the last settled transaction. I recently had my cell phone and wallet stolen so naturally I called to cancel my cards and the customer service guy said that I couldn’t cancel my cards even though I gave him every piece of information you could think of Social Security name etc. except I didn’t know that last settled transaction naturally having my phone which is basically my computer and my cards stolen . To make matters worse I couldn’t even understand what the guy was saying he sounded like he was hung over or some thing but he basically said that I couldn’t cancel my cards and I just have to let them linger and let them get fraudulent charges charged to them which is exactly what happened. Once I got my phone in the mail I was able to download the app and cancel them I also noticed all the fraudulent charges that happened during the time I was not able to cancel my cards and they haven’t refunded me for any of them .I emailed them and called multiple times and it’s just mine blowing that I wasn’t able to cancel my cards and that the guy on the phone was so inconsiderate and unhelpful there Hass to be a solution I said but apparently not . other than this experience they’ve been pretty good so if you’re a clumsy like me and lose your stuff I would think twice about this place.
  • Chime review Nov 17, 2021

    By kshudbd
    I’ve had chime for over a year and loved it. However here lately on “pay day” I have sat all day waiting my check to deposit. Sometimes it comes as early as 11am. Others as late at 5pm. Unfortunately today my chime is unable to track my deposit and it’s not listed under “on its way”. Once I have gotten it at as late as 12am which means only 1 day early and that is fine but what is inconvenient is how inaccurate the time slots are and have been for arrival of and now not being able to track my deposit throws me back. A lot of other banks do not associate with online banks. Meaning if someone tried to send money from a credit union to your account for chime. It won’t work. You can not go directly deposit a personal check yourself. You have to go to a gas station and jump through hoops. Chime doesn’t offer loans or grants like real banks. I suggest this for teens who are just starting out however as you age and get a career you shouldn’t use chime do to all the faults snd it being unreliable. Credit builder is nice but you only build credit. There is no interest with a savings,banking, or credit account as real banks offer. The spot me feature is also nice. However it tends to come and go and only allow access when it wants. Planning to switch banks again bc they also do not file disputes as I have had to do over ATM transactions. I still haven’t gotten my money back from this and it happened in April of 2021
  • 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.
  • May 8, 2022

    By Routine Particular
    This app's been working well for me for years, but I think now it's time I changed banks. I lost my debit/credit builder cards a month or so ago, and put in several orders to replace it: AND NOT ONE CAME. And I keep getting emails saying its "definitely" here and it should be activatrd. 3 failed deliveries so far. I must have called customer service about 5 times so far, and all they could do was send it again. Each time though, for whatever stupid reason, it never shows up. Frustrated
  • Scammers Paradise May 25, 2022

    By J.Quamaine
    The world we live in the today they’re scammers everywhere…literally!! And you would think a bank would help you if you ever came across a situation where you were scammed or your card was stolen right ? I been with chime 4 years probably more and I was a victim of having my card being stolen twice. The first time I really don’t know how scammers accessed my card but they didn’t use my physical card because I had it on me when the transactions were coming thru and then I go to the dispute the transaction I get declined!!!! I was heated but I say heck you know what whoever did it may needed the money more than I did so I’ll get over it but however the second time my wallet was stolen and my card used miles away from me and I caught the transactions within the 24 hours I was told to wait until they stop pending then call back even tho it put me in the negatives and the transactions were fresh when I called I waited to call again when they settled which was 3 days later just to get declined again and they said they found no errors….No errors? You don’t see an error when you see someone’s card being used across state lines miles away ? All I’m going to say is if you like getting paid 2 days early and having free fee overdraft yea chime may be the bank the for you but it’s always a catch, just don’t be a victim during the 1st of the month when rent is due and your card is being used in another state or you might be homeless!!!!
  • Stupid policies & customer support May 19, 2022

    By Danaecp
    I’ve had chime for over 2 years and loved it tremendously, from the no overdraft fees to early pay day … up until this week. I was supposed to get my direct deposit on Tuesday as I always do so I went to check my account and got a notification that my account was locked for “security reasons” no explanation via email or anything. So I email the review team which responded right away & they say I need 2 forms of identification & a piece of mail .. not just any mail .. a bill of some sort , insurance, credit card .. within the past 60 days. Well I just recently moved & have no mail at all but I didn’t provide mail that just wasn’t dated within 60 days. Well they kept emailing me back asking for the mail document after I explained why I couldn’t provide more recent mail. They closed my review on the day I was supposed to receive my direct deposit causing it to bounce and get sent back to pay roll. So at this point I’m beyond frustrated because I have bills and a child to take care of. After rambling through my email I find a pdf of my BGE bill. I finally send all the documentation they ask for and they have yet to respond back to me with an update 2 DAYS later. It’s frustrating and inconvenient because why hasn’t anyone reached out just as fast as my first time emailing? Once I get in and retrieve my funds I’ll be canceling my chime and getting my direct deposited elsewhere !!! Don’t use chime for direct deposit.
  • Chime is a joke. Aug 18, 2021

    By monelxc330
    I’ve had chime for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where chime has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is chime and their lies, I’ve never had an issue with chime but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old.
  • The worst banking app ever! Dec 11, 2021

    By 🌹sydh_1206 🥀
    I turned 18 recently and in an effort to become an adult I decided to go with Chime to help build my credit. The sign up process was incredibly easy and seemed legit, I ended up getting a card and getting access to my account. After a couple of days, I went to the app to transfer money and found that I was not able to log in because my account no longer existed. At first I thought I just dreamed signing up for the app, but that’s ridiculous because I had the card. I ended up calling support and the lady I talked to informed me that my account was suspended. I had no money in the account and I only had it for a couple of days, in order to lift the suspension I had to send my ID and proof of insurance which would be all fine and dandy if I hadn’t already put my ID in the app and felt like it was a little sketchy. She said that my account violated a term of their bank but I hadn’t violated any terms and I wasn’t even able to close the account because she wasn’t able to do that for whatever reason. Absolutely upset that now some company that had been recommended to be had screwed me over and took my information, thank god none of my money, but after looking it up I found a lot of people have had this problem. 100% do not recommend and if you do have it, look into Chime closing accounts for no reason and close your account. Put your money somewhere else.
  • 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.
  • 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
    3 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
  • What’s the catch? Nov 27, 2021

    By Jessie🤙🏻🤙🏻🤙🏻
    There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe.
  • May 18, 2022

    By Paige Spencer
    The app is easy to navigate. Ability to lock or unlock my cards & view my card information right through the app is super convenient. Also, easily transfer between checking, savings, &credit accounts. Being able to utilize the Spot Me feature on rainy days between paychecks was a huge relief. To top it off, it's stupid easy to send money to family & friends when they're in need, and vice versa with receiving money. Oh yea, and I get my direct deposit two days earlier than my original payday.
  • 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.
  • 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!!
  • Apr 20, 2022

    By M R
    Great Alternative Banking App for those of us with low Income or looking for a way to build credit without the hassle. All digital banking. All the benefits. No hidden fees. Great interest rates on their savings account, and the Credit Builder Card is a perfect way to build/ improve your credit without the pressure of high interest rates or paying the bill on time. Chime makes banking and credit building a breeze! I definitely recommend. I've been with Chime for nearly 6 years!
  • Apr 23, 2022

    By Timothy Allen
    I am always hesitant to make changes especially when it concerns financial matters, but changing to Chime has been relatively stress free. It was easy to apply and set up. It is easy to keep track of my spending and savings with daily notifications. It is easy to send a check to pay companies or banks that don't have online bill pay options. It is nice to see my direct deposit 2 days early. So far, it has been a relief after how complicated my old bank was making it to connect to my own money.
  • 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.
  • Apr 28, 2022

    By Sarah E. Ferguson
    Makes banking, paying bills, friends, ect so much easier! No need to call the number on the back of your card to find out a balance or having to use a computer to access your account. With this app I can access all my information on the go! Along with putting money away in savings and take care of all my needs in life with this app and card! I also love the fact that when I need to add money to my card, I can add money without being charged for it. LOVE IT!!!
  • 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!
  • Apr 17, 2022

    By Cody Dalton
    Awesome. Easy to use easy to transfer money to and from. I have been using other online banking apps and Chime is so refreshing after those experiences. If you are looking for a simple to use online banking app then this is it. I have been using the credit-builder card and went from literally no credit to Good credit in just under two months. Very happy with product.
  • May 25, 2022

    By Chase Parrish
    Really like this app, and bank. But tbh the cards are really dull, flimsy and ugly. For an up to date online only bank the cards could use a little improvement, especially with features not offered like tap to pay. Also, you can't do joint checking accounts, which is a big negative to pretty much any married couple.
  • 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.
  • It’s ok May 7, 2022

    By Talkslick
    Not a bad app to bank with sometimes they have their issues but nothing major on my behalf that wasn’t handled immediately so far my lady had an issue that took to long to get resolved because it was a communication issue the people who she dealt with couldn’t comprehend what she was explaining but for the most part it’s pretty good take a little long to receive your new cards when you order them but ultimately the system they use has a lot of perks and when it’s running good it’s running good . When the app has issues it doesn’t affect your card use and they handle it quickly and it back up and running in minutes if not sooner so I give them 4 stars . Much better than most banks trying to sneak in fees to manipulate you out of money these guys keep it simple and the credit card you get with them is definitely a plus, helps you get back on track if your credit is not so good and keeps you informed and easy to use and understand . Gotta say the chime guys are good at what they do and the only reason they didn’t get the 5th star was the minor issues . Most of the people I know have it after dealing with shyest banks and I’ll admit I’ve promoted it to my friends and convinced many to get chime
  • 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.
  • ChimeHas Been There For Me When No Other Bank Would Oct 26, 2021

    By Cdimmons
    Chime was there for me when no other bank would even deal with me. They not only get you your checks early that soon as your check shows that it is available through direct apposite they make it available within minutes. I have never in my 54 years had a bank make sure that right before Thanksgiving my check came on the 23rd so that I can provide a Thanksgiving dinner for my family. It may not seem like a big thing to other people but when you’re on a fixed income and you don’t have a lot of money having your check available for you to buy dinner or pay a bill early it’s a blessing. They make sure that they do your disputes on time and faster than any other bank. Personally Chime has been a godsend to me over the past few years and I think God that they help me. They also have a spot me feature that you provide a tip when your direct deposit comes in and you have a multipleOptions on the percentage of a tip that you pay for them covering you anywhere from $45 to 200 depending on your monthly direct deposit amount . Thank you Chime bank
  • Convenient, gets the job done. Nov 26, 2019

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

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

    By YOUNG FROYO THE 3RD
    it’s simple to use and helpful but customer service needs improvement you guys should add a direct call option so when a problem occurs customers could handle it easier i found it hard to find the customer service number and I know new customers will also and I would also like an option to donate to charities through chime and other tax write off programs should be added in a simple way that also teaches customers ways they could save money while helping the community I would like to see chime partner with the blm movement and use this as a chance to help Implement Financial techniques in a simple way while also teaching the benefits of financial understanding and also have a direct link to directly donate to blm movement and become the bank of black America and urban America and I also want to see a money lock savings program where if The customer put money in that particular account The customer would not be able to remove that money until a set day
  • May 3, 2022

    By Angela Burnham
    April 16th of this year I was at work and a purchase of $110 and some change was made through the Walmart App. My billing address is Virginia, there was a pick up in El Paso, TX. I have never been to Texas. I contacted Walmart and they stated I needed to contact my banking establishment, no problem. Chime had been great, they credited me a portion of the purchase. I recently received a message stating that there was no error found and they would be taking the credit back. Unacceptable.
  • Apr 30, 2022

    By Todd Kingsdale
    I hate to give a 3 star review but I have to after today. The app is great, the banking is great however, Chime has a problem with it's either customer support or mailing team. It's been a few months since doing the metal card promotion and having it shipped to me. For months now, I haven't been able to use my credit builder card because they deactivated my original one when they shipped out my metal one, and my metal one keeps getting mailed to the wrong address.
  • Apr 16, 2022

    By Utsh4k Fragrant
    I like the app, but I would like to have ability to make automatic repeating transfers from checking to savings. not just 10%, but any amount. I want to transfer some amount from my another account to chime savings every month, but I don't have separate account number for savings, so I can't transfer money directly to it, so I have to transfer them to chime checking and then manually move them to savings every month.
  • Chime App / Direct deposit consistency Apr 21, 2021

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

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

    By RoyalBossBee-ha!
    If your looking for a mobile bank this is what I recommend. I have tried other ones and so far this is the one I have stuck with. I get paid two days early, wich I love. The app is great and easy to work. I did have an issue with withdrawing money from an ATM machine at US BANK, which is where I go withdraw cash from. I withdrew $400 it gave them to me with that transaction I chose “Print Receipt” so I found out the limit to withdraw is $500. I then started to withdraw $100 more I chose “Not to Print a Receipt” bad idea because then the machine sounded like it was pulling the money and it was ready to dispense. When I get an error message on the screen saying “There was an error dispensing my money to please call my financial institution.” Which I did I called them they asked me for the receipt number which I didn’t have because I chose not to print a receipt. If I had a receipt they could of helped me faster. What happened next was they filed a dispute. I had to print out some forms, fill them out and fax them to them. Then it took 15 business days for them to review and finally credit me back those $100. The good thing is I did get my money back it just took some time.
  • Everything this great, but 1 major issue Mar 14, 2021

    By lisasweetpea777
    I started using this banking because of an issue with my other bank of 25+ years. I really love Chime except there was one major flaw in the system. If your phone breaks your screwed. I had like about $100 in my checking and about $200 in my savings and then my phone broke and I was without a phone for over 2 weeks. Well in order to pay for my replacement phone I was going to need to transfer the $200 from my savings to my checking, so I went onto my laptop to open it there but I had never used it on my laptop before or anywhere except my phone. In order to verify my identity they only have it available to do that with your phone! Yup that’s right broken phone equals no verification. When I called the bank to get them to transfer the money they couldn’t do that at all. So they had to close my savings account so the money would then transfer automatically to my checking. So if you get Chime make sure that you open it up on more than one device. Oh and the customer service was like talking to a 13 year old.
  • Love hate relationship Mar 20, 2019

    By no nick name today chime!
    I originally went with Chime to get paid 2 days earlier. It’s their main selling point that three quarters of their client base was sold on. After having chime for almost 2 years I have to say I’m happy for the most part. Any time I want to make a cash deposit it costs me $5. Despite Chime saying they accept $1000 per day, the vendors that actually take the cash usually only accept $500 a day. I was given a large sum of cash from family and I had to spend a week depositing it and about $100 in fees for depositing it. Say I have $5000 in my account and I find a car I want to buy... it’s impossible since there’s a daily limit of $1000 at ATM’s, not to mention most ATM’s only let you take out $200 max per visit. Have fun paying your rent via money order. You’ll stand at the ATM for 10 minutes. The upside is that there’s no overdraft. Basically, if there’s not enough cash in the account it won’t even let the debit go through. I love getting paid two days earlier, but I always regret not having a physical location I can bank with. My suggestion is to just put up with the extra 2 days to get your paycheck.
  • Loved it til… Sep 7, 2021

    By LuckDragon422
    This was seriously the best banking experience ever. Ever. Had all my peeps sign up. They loved it. All of us needed to cash US treasury checks. Absolutely dreamy. Practically instant. Until one day, my fiancé went to his app to cash his long awaited refund check from the irs, and he can’t. No mobile deposits unless you have direct deposit. What?!? I cashed 3 checks from the irs. My app gives me the option of mobile check deposit and asks which kind of check it is. His doesn’t even give him the option. Just leads him to sign up for direct deposit. We called customer service, the girl had no answer. No reason why. Even suggested we do some self pay from another account like it’s a direct deposit WHICH IS ACTUALLY NOT ALLOWED AND STATES IT IN YOUR RULES so why this rep even suggested it also just whoa. Really bad. So yeah. Why. Why’d you have to ruin my favorite app ever. With the little funny emojis every day telling me my balance. Also, why the days and days waiting for a transfer from my big bank? Cash app it’s available immediately. You guys, a week. Boo!
  • Crap customer service Jan 24, 2022

    By cabenZee
    I’ve been with a lot of banks and I’ve never had somebody tell me that I’m not able to cancel my cards based on me not knowing the last settled transaction. I recently had my cell phone and wallet stolen so naturally I called to cancel my cards and the customer service guy said that I couldn’t cancel my cards even though I gave him every piece of information you could think of Social Security name etc. except I didn’t know that last settled transaction naturally having my phone which is basically my computer and my cards stolen . To make matters worse I couldn’t even understand what the guy was saying he sounded like he was hung over or some thing but he basically said that I couldn’t cancel my cards and I just have to let them linger and let them get fraudulent charges charged to them which is exactly what happened. Once I got my phone in the mail I was able to download the app and cancel them I also noticed all the fraudulent charges that happened during the time I was not able to cancel my cards and they haven’t refunded me for any of them .I emailed them and called multiple times and it’s just mine blowing that I wasn’t able to cancel my cards and that the guy on the phone was so inconsiderate and unhelpful there Hass to be a solution I said but apparently not . other than this experience they’ve been pretty good so if you’re a clumsy like me and lose your stuff I would think twice about this place.
  • Chime review Nov 17, 2021

    By kshudbd
    I’ve had chime for over a year and loved it. However here lately on “pay day” I have sat all day waiting my check to deposit. Sometimes it comes as early as 11am. Others as late at 5pm. Unfortunately today my chime is unable to track my deposit and it’s not listed under “on its way”. Once I have gotten it at as late as 12am which means only 1 day early and that is fine but what is inconvenient is how inaccurate the time slots are and have been for arrival of and now not being able to track my deposit throws me back. A lot of other banks do not associate with online banks. Meaning if someone tried to send money from a credit union to your account for chime. It won’t work. You can not go directly deposit a personal check yourself. You have to go to a gas station and jump through hoops. Chime doesn’t offer loans or grants like real banks. I suggest this for teens who are just starting out however as you age and get a career you shouldn’t use chime do to all the faults snd it being unreliable. Credit builder is nice but you only build credit. There is no interest with a savings,banking, or credit account as real banks offer. The spot me feature is also nice. However it tends to come and go and only allow access when it wants. Planning to switch banks again bc they also do not file disputes as I have had to do over ATM transactions. I still haven’t gotten my money back from this and it happened in April of 2021
  • 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.
  • 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
  • May 8, 2022

    By Routine Particular
    This app's been working well for me for years, but I think now it's time I changed banks. I lost my debit/credit builder cards a month or so ago, and put in several orders to replace it: AND NOT ONE CAME. And I keep getting emails saying its "definitely" here and it should be activatrd. 3 failed deliveries so far. I must have called customer service about 5 times so far, and all they could do was send it again. Each time though, for whatever stupid reason, it never shows up. Frustrated
  • Scammers Paradise May 25, 2022

    By J.Quamaine
    The world we live in the today they’re scammers everywhere…literally!! And you would think a bank would help you if you ever came across a situation where you were scammed or your card was stolen right ? I been with chime 4 years probably more and I was a victim of having my card being stolen twice. The first time I really don’t know how scammers accessed my card but they didn’t use my physical card because I had it on me when the transactions were coming thru and then I go to the dispute the transaction I get declined!!!! I was heated but I say heck you know what whoever did it may needed the money more than I did so I’ll get over it but however the second time my wallet was stolen and my card used miles away from me and I caught the transactions within the 24 hours I was told to wait until they stop pending then call back even tho it put me in the negatives and the transactions were fresh when I called I waited to call again when they settled which was 3 days later just to get declined again and they said they found no errors….No errors? You don’t see an error when you see someone’s card being used across state lines miles away ? All I’m going to say is if you like getting paid 2 days early and having free fee overdraft yea chime may be the bank the for you but it’s always a catch, just don’t be a victim during the 1st of the month when rent is due and your card is being used in another state or you might be homeless!!!!
  • Stupid policies & customer support May 19, 2022

    By Danaecp
    I’ve had chime for over 2 years and loved it tremendously, from the no overdraft fees to early pay day … up until this week. I was supposed to get my direct deposit on Tuesday as I always do so I went to check my account and got a notification that my account was locked for “security reasons” no explanation via email or anything. So I email the review team which responded right away & they say I need 2 forms of identification & a piece of mail .. not just any mail .. a bill of some sort , insurance, credit card .. within the past 60 days. Well I just recently moved & have no mail at all but I didn’t provide mail that just wasn’t dated within 60 days. Well they kept emailing me back asking for the mail document after I explained why I couldn’t provide more recent mail. They closed my review on the day I was supposed to receive my direct deposit causing it to bounce and get sent back to pay roll. So at this point I’m beyond frustrated because I have bills and a child to take care of. After rambling through my email I find a pdf of my BGE bill. I finally send all the documentation they ask for and they have yet to respond back to me with an update 2 DAYS later. It’s frustrating and inconvenient because why hasn’t anyone reached out just as fast as my first time emailing? Once I get in and retrieve my funds I’ll be canceling my chime and getting my direct deposited elsewhere !!! Don’t use chime for direct deposit.
  • Chime is a joke. Aug 18, 2021

    By monelxc330
    I’ve had chime for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where chime has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is chime and their lies, I’ve never had an issue with chime but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old.
  • The worst banking app ever! Dec 11, 2021

    By 🌹sydh_1206 🥀
    I turned 18 recently and in an effort to become an adult I decided to go with Chime to help build my credit. The sign up process was incredibly easy and seemed legit, I ended up getting a card and getting access to my account. After a couple of days, I went to the app to transfer money and found that I was not able to log in because my account no longer existed. At first I thought I just dreamed signing up for the app, but that’s ridiculous because I had the card. I ended up calling support and the lady I talked to informed me that my account was suspended. I had no money in the account and I only had it for a couple of days, in order to lift the suspension I had to send my ID and proof of insurance which would be all fine and dandy if I hadn’t already put my ID in the app and felt like it was a little sketchy. She said that my account violated a term of their bank but I hadn’t violated any terms and I wasn’t even able to close the account because she wasn’t able to do that for whatever reason. Absolutely upset that now some company that had been recommended to be had screwed me over and took my information, thank god none of my money, but after looking it up I found a lot of people have had this problem. 100% do not recommend and if you do have it, look into Chime closing accounts for no reason and close your account. Put your money somewhere else.
  • 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.
  • 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.
  • Beware of Chime. They steal your money Nov 30, 2021

    By Wtf35
    I’ve had Chime for over 4 years. I’ll be totally honest with you, I’ve loved them until recently. Chime will steal your money eventually. I had a dispute with a $600 purchase made on my Chime account. Chime denied my dispute without even investigating the situation and then refused to re-open the investigation. On that same denial with that merchant, the merchant gave me a full refund. Which shows how Chime made zero effort in the investigation. Then Chime kept my refund. I’ve been fighting Chime for over a year on my $600 refund. They refuse to give me my money. Denying any and all attempts at a dispute. How does a back keep my refund issued to me by the merchant? I have no idea how they get away with it but their is absolutely nothing you can do about it. Do your research on Chime. A simple Google search will prove that Chime will steal your money. They have mountains of legal action against them from their consumers. The law firms are so backed up with Chime clients that they can’t take any more victims. Be very careful on deciding to do business with Chime. They will steal your money and it won’t be a small amount. They won’t protect you from theft, fraud charges, or any type of dispute. They will hold your dispute for 3 month just to give you a denial and won’t even investigate the situation. Don’t put yourself in a situation with Chime. You will loose.
  • So disappointed in chime Dec 7, 2020

    By stephens jessica
    I have been a chime bank for over two years I put a lot of money into this bank recently ,I had my card disabled because I couldn’t find it. And chime bank lead budget Rent-A-Car take out every single time in my bank account and $3200 on top of my unemployment and now I’m -$75 I called them to try to get some of my money back because it was an unauthorized transaction not only was the card disabled they had blocked this company in the past so they let them take my whole entire bank account I have a five-year-old and I don’t even have a dollar I told him that I wouldn’t be able to even feed my son they did not care and they told me I would have to wait till the 18th I don’t know what I’m gonna do I’m freaking out and I don’t even know how to feed my son so thank you so much chime bank as soon as I get my money back i’m going to be closing this bank account it’s really disappointing because I really like them but not answer the situation you don’t they should’ve never allowed I don’t care what company it is to take more than you even have in your bank account they -258 on my bank account but if I would’ve took my card in place order I would’ve got denied so someone made a state mistake no one will help me and they don’t care if me and my son starve! Thank you chime bank during a pandemic when. I’m laid off
  • Do not use chime especially if you’re gonna deposit a check. May 16, 2022

    By Michaela S Gross
    I got my tax return check and tried to deposit it through the Chime App. They ask you to write to deposit to time only on the back of the check. I did so and then took pictures of it front and back clear as day and they rejected my check not once but twice. After calling in speaking with a representative twice they were unable to tell me why my check was rejected. I then called back on Monday and asked to speak with a supervisor who told me that they did not have the access to tell me why my check was rejected that I needed to email the chime support. After emailing the Chime support I was told that they could not tell me why my check was rejected. So now I’m stuck with a check that says to deposit of chime only on it and cannot deposit it with chime or anywhere else. They have ruined my check and failed to give a single reason of why. This banking app clearly does not care about their customers or their money. I will be sure to empty my account with them and delete it. Never will I use chime or suggest anyone to use them ever again. I even asked them where to file a complaint and they will not get back to me, so I leave this review instead in hopes other people won’t take a chance with their own checks and have the same issue as me.

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