Name: Chime – Mobile Banking
Rating: 4.81179 (805850 reviews)

User Reviews for Chime – Mobile Banking

4.81 out of 5

805.9K Ratings

4 months ago, Bmayes123

#WhyIChime

I’ve been with Chime for years now and I can honestly say that this is truly the easiest and most reliable banking app that I’ve come across . I love the fact that Chime uses spot me so anytime I’m ever in a tight spot, I can get a little extra cash to help out and how can you not love getting paid two days early I mean seriously the fact that I get paid on Fridays, but I receive my paycheck on a Tuesday is so helpful and I’ve used this app since before the pandemic and through the pandemic and I haven’t had an issue with getting any type of direct deposit or any Cash withdrawal or honestly anything for that matter when it comes to any of my finances on Chime and every time that there’s ever been an issue, which has been very very few, the support team has instantaneously taken care of and made sure that I either received my money back or the situation was taken care of without sweat off my back. Chime has always been a huge support when it comes to taking care of me as a customer and as a user of their application, so the reason I chime is because it truly does make my every day life and life in general just that much easier to be able to have all of my finances right there at my fingertips and be able to use them safely without having to worry about my account’s stability or security.

2 years ago, Omuyasha

A good and simple banking service

Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.

3 years ago, Jessie🤙🏻🤙🏻🤙🏻

What’s the catch?

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.

2 months ago, mya eglen

Self-Employed Missing Benefits

I have been with Chime for several years now, and I absolutely love it! I have never been with a bank and had an account in good standing for this long. There are a couple of things that I want to complain about, though. Lol. I am self employed, and because I’m self employed I miss out on benefits like Spot Me, and I hate it!! Because I’m self employed I do not have a way to set up any kind of direct deposit, and Spot Me now requires having a direct deposit set up. I wish Chime could figure something out for those of us who are self employed, because I’m sure I’m not the only one this affects. What about looking at my past deposit history and how long I’ve had my account, and coming up with a fair amount that I could get through Spot Me? I mean, I’m going to pay it back…it’s not worth losing my account over a delinquent Spot Me amount. I know Chime might see this as “taking a gamble”, but my account history will show you that I’m not going to screw my account up over a Spot Me amount. Even having direct deposit isn’t a fool proof way of using Spot Me…what about people who borrow money through Spot Me and then cancel their direct deposit? Please, Chime, think about this and let’s come up with a solution for us self employed people who need a solid every now and then!

2 years ago, Ig@Takenartist

I love chime

I banked with Wells Fargo before which stole money from me and gave me fees that I didn’t know about they really killed my trust in banks but then I heard about chime and even though I was scared I tried it anyways because I was starting a new job and didn’t want my checks deposited into Wells Fargo so I with faith downloaded chime about 2 years ago and I can say they I trust them the most I love that they have a credit card to build your credit but they only take the money you put in like a debit card they also have an over draft safety net and you can send an extra 5$ boost to other people and they can do the same for you and if you share chime there is a sign on bonus as well I couldn’t think of a better bank it is completely built for the people with no fees and makes it super easy to build your credit and I’m a college student who graduates soon I would like to buy a house so I need to raise my credit score so I pay my phone bill and sometimes tuition payments with my chime credit builder snd minute purchases as well like dollar tree they all count no matter how big or small If your thinking about trying chime MAKE THE JUMP. You have nothing to lose from a former person who didn’t trust banks they have restored my trust and given me many opportunities

4 months ago, Russellom15

Must set up direct deposit to use

I downloaded chime to use as a secondary bank account to save money for my wedding next year but still have it easily accessible for when we need to use for things like deposits. Thinking in could just transfer the money from my main account (with Northwest bank) into my chime checking account and use the debit card when needed. Wrong! I liked that I could use my debit card from my original account to transfer money instantly. Well I only realized after my first transfer that there was a $200 monthly limit on this AND it was only available for the first few months of my Chime account being opened before it wasn’t an option at all. Annoying but I can just do a bank to bank transfer which will take a few days but I’m patient I can wait. Turns out Chime has an error with my personal bank AND the joint account I have with my fiancé through Citizens Bank. 😑 which means the ONLY way to get money into this account it to set up my direct deposit through work which I am not going to do as it’s not my main account. I should have known that something was off when they pushed SO HARD for me to set up direct deposit during the initial set up process and I’m sure it was in the fine print somewhere but it was definitely misleading. I assume since Chime is free they get some kind of money when people set up direct deposit with them but I do not feel like it was made clear that the whole account would totally useless unless you use direct deposit with them.

2 months ago, Royizm

Chimes character

I’ve been using Chime for years. It gives me great pleasure to pat them on the back and say, “Chime is the #1 online banking app/resource out here, hands down no other is as worthy of this pat.” Over the years of being a Chime member, I have not had one conflict or account issue whatsoever. I truly mean this. Chime has built in programs that are centered around any members association as smooth and stress free, period. Chime also opens opportunities for members with a boat load of perks and incentives. As a matter of fact, Chimes “Spot me” has saved me, helped me, and, assisted me in tough times. I’m not payed to share this with you. I’m telling you what I know and I have been using Chime for quite some time. Do yourself’s a favor. Sign up and tell me if I”m wrong. Word of caution, you won’t be able to because you will appreciate it just as I have for all these years. Thank you to whoever introduced chime to the public, you really make a difference and impact lives. Lastly, chime helps boost your credit score as well. They have features that you can utilize say in paying your phone bill, utilities, mortgage, you name it. Chime verifies it and reports it to all three credit bureau's. You get the benefit of watching your score grow, in real time! Chime is in a class all by itself!!

11 months ago, Miss Duncan

My overall thoughts on Chime

For me, Chime has been the best bank I have ever had. Offering overdraft protection without fees, leaving me the option to tip has been a game changer. I can’t say how much I appreciate this feature. The customer service is pretty good. They usually get in touch in a timely manner. Again, I appreciate this as well. There have been times that were my mistake. Like a lost debit card. They provided a way for me to still have access to my funds while I waited for my new card. To my knowledge, I think they went above and beyond by not charging for the extra card and sending me my new card quickly-within a few days. The only thing that has changed for me is payday. My payday through employer is Friday but I get paid two days early until recently. It is now only 1 day early. At the time I had all my bills set for the Wednesday so it was a little bit of a mess. I have learned my lesson the hard way. My response was they don’t hold our pay. So I’m not sure why this has happened. I don’t like it but it is what it is. It may seem trivial to some so that’s it in a nutshell. Overall they are great-customer service is good. No fees is for real. Boost. Overdraft protection. If someone signs up from your referral you both get money. That’s amazing . Thank you!!

3 years ago, Hellojennyfair

amazing if you live paycheck to paycheck

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.

2 years ago, Michaela S Gross

Do not use chime especially if you’re gonna deposit a check.

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.

3 years ago, cabenZee

Crap customer service

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.

4 years ago, HarmonyLynnSeidl1998

I LOVE this Bank!!

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!!

1 year ago, MFFgreedyMF

Helped credit score

Have accounts with most major banks and Chime has by far been my favorite. Much more convenient, accessible and easy to use. Specifically, Chimes secured credit card (using your OWN money and thus can’t spend more than you have) has raised my credit score about 25 points since I started using it about 1.5-2 years ago. The app itself is very helpful and easy to navigate, especially compared to Chase or BoA. Features such as bill payment, instant savings transfers, credit builder, “Spot Me,” easy ATM access, and direct deposit are great options. Depending on your employer, you may also have the opportunity to get your paycheck 2 days earlier than normal. The downsides are very minimal; No checks are issued (some jobs require a voided check for DD), there’s no physical location (it is an online banking app after all) and their customer support isn’t great but I’ve rarely needed to call them. Overall, Chime is a great online banking app and it’s helped me build my credit back up. Even if you already have a bank account with a larger bank, I would still recommend having Chime just in case. ALSO, if you’re a parent, this app (along with the secured credit builder card) is an amazing way to start building your child’s credit.

3 years ago, kshudbd

Chime review

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

9 months ago, the12fear

Don’t use this app! Garbage

I have had this app for a couple years and didn’t use it too often until recently. Since my first experiences were good I switched over to using it as my full time bank. HUGE MISTAKE! They did everything they could to screw ke over. I was in a bad spot and withdrew my 401k and was sent a US bank check which I cashed using chime. They held it for 6 days making me wait until the following Monday when it was for an emergency! And to top it off I had verification from the issuing bank that the money had already cleared and they had it and were holding it for zero reason! When I attempted to talk to a bank manager or someone who could help they repeated the same couple of cookie cutter customer service line stating they understood and would help just to have nothing change! They told me it is for my own protection even though the money had cleared and there was no more risk involved just needed to pay me! They did not they left my family including 5 year old son sleeping in a car for numerous days! And to top it all off the level 2 person who handled my a complaint basically said have a nice day and disconnected. I was switching over my direct deposit and was positioning to use chime and only chime now I wouldn’t wish them upon my enemy. If you want your money taken and held so they can illegally use it for quick investments then go for it. If your looking for a quality bank who cares for their customer you won’t find it here. Horrible!!!!

1 year ago, Angiemurray720

I love Chime!

I have never worked w a better online bank than Chime! IT’s security is Top Notch!! I had a company that I have never visited knew nothing about try to take out a payment from my card. It over 100 payment and Chime Notified me immediately! They texted my number and asked me if I had approved that purchase! It was a simple solution: “reply yes or no.” I replied:” No” of course & they wouldn’t allow the company to withdraw the money out of my account, and for that I am very grateful. You have an option to go over on ur account as well and pay it back later! I’ve had to use that a few times. I strongly recommend tipping chime so that feature stays available and in tact! The credit builder card is Amazing it works for itself helping with providing you a credit score you can be proud of! There are no unexpected fees they try charge you! I have no complaints when it comes to chime! I love it! However, I wish there were more ways to talk to someone w chime or when a person does try to order something using ur number other than u if chime would offer more details about the transaction purchase and company it was purchased from. That’s the only thing I can think of that could use some work! Keep up the great work chime!!

2 years ago, Ajxjojo

Love it

Had chime for a few years, only had two problem with them so far, hopefully no more problems!! 1st problem I had was my phone number, my phone broke and had to use a backup phone and when it got fix it wouldn’t let me change my number back and it took months for them to let me change my phone number back, the second problem was with them and Walmart plus. When Walmart don’t have your stuff they supposed to give you back your money but if you don’t say anything they will keep it and lie and say it’s your bank and they only charge for the products they did give you. When you speak to chime they claim Walmart didn’t charge the first charge before Walmart found out they didn’t have the products. I made two disputes about it never got my money back nor touched my card until I got my money back. Other than them problems they are okay. When I use my card they always take their money right than and there and only charge $2.50 for using atm. I only came across two companies who don’t take their money right away which is gerber life & amazon(depending on what you get and the shipping estimate date)and I put them payments on my credit card which I like bc it really do helps with your credit.

1 year ago, Lordenki40

No update notes/ annoying ads

UPDATE: Are you seriously advertising on my transactions????????? Now complete with outside advertisements on the front page of the app. It gets worse and worse. To everyone getting their money stolen by Chime I highly advise filing FDIC complaints which you can do online. Update notes aren’t a place for your bad jokes. The application is mediocre and the developers act like kids. Kids who get to secure access to your accounts. The only reason this app is so highly rated is dumb people rating the service and not the application. So let’s do that. It’s not a real bank account and many services won’t recognize it or it’s “debit card”. My card hasn’t worked right in chip readers 90% of the time and I’ve replaced it multiple times. Credit builder won’t let you choose any number to move money over. It will only choose large numbers based on a high percentage of your balance. An adult bank should let me make adult choices. A quarter of the app is dedicated to advertisements that are misleadingly presented as tailored offers for you, but rest assured they’re just ads. If you have to use their slow and confused customer service then expect to bombarded with multiple unsolicited emails acting as if it’s your duty to rate the service you received and including ramping verbiage about how you still haven’t fulfilled your responsibility. Sadly they are somehow still better than the major banks and I’ve been too lazy to find a better service so far.

2 years ago, K3Y80RD5M45H

Refer a Friend Program Needs Review

My friend has been bragging about this app for months, about how great the spot me is, how she was able to get her credit score up, all sorts of wonderful things. I was a bit surprised when after creating my account I realized I didn’t use her invite link. I contacted support just minutes after account creation, and although she was wonderful, she was unable to fix the refer a friend and even if I cancelled out the newly created account and made a new one, it’s all tied to your personal info and there was no way to get her the bonus. I get that may be a lousy reason not to trust a company, but missing the first opportunity Chime had to rectify a simple clerical error only minutes after opening an account is pretty telling of what I have to look forward in the future if I chose to continue business with them. I was only an account holder for approximately 20 minutes before I asked to cancel the account, customer support needs to be empowered to help customers with this or allow new accounts a grace period before their first qualifying direct deposit. Won’t be returning, and I hope this warns the next would be customer about the level of customer service available at Chime. Also, the account closure email is a little aggressive seeing as I am the one who asked to close it: Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time.

3 weeks ago, Lexisrhea124!

Best banking app ever made!!

I never write reviews, but I felt I had to leave one for chime. Chime is hands down the best bank I have ever used personally. You get paid 2 days ahead of normal pay day, I get $200 spot me for free overdraft which gets taken out of my next paycheck automatically. Most banks charge $35 fees for each time you overdraft(even if the purchase is just for $1). I also just got approved for $150 “my pay” which is a new feature that’s basically a cash advance until the next pay check deposits and it gets taken out. I have had a hard time with other banks in the past and with keeping up with all the fees they would charge. I would end up owing them too much and close the account. Never had any issues with chime, actually chime has even helped me build my credit. But for some reason my credit card got taken off of my account. That is one of the only things I could complain about. I don’t understand what happened with that but yes it did help build my credit at least for the time I had it! Love chime! I will always bank with you & I always tell my friends about chime but always forget to send them the link from my phone to invite them so we both can get $ for them signing up!

3 years ago, Deshae5151

Love my chime account!

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!

2 years ago, needs stability fixes

Chime is amazing, just one real issue in my opinion

I never usually leave reviews but i feel like chime deserves one. Amazing bank, phenomenal the amount of control they give you to handle your finances unlike most conventional banks where it feels youre at their whim. Chime credit builder absolutely works, helped me build my credit over 100 points in a little less than a year. SpotMe is amazing, never had an issue with it. That being said I have one complaint: the pending transaction system. To be fair to chime it isn’t a problem for just them, but I feel its at it’s worst with them. When it comes to certain refunds/deposits believe me it will take DAYS possibly a week or two before you see that money back in your account. And when you go to support, they just completely forget about you! I put in a ticket to help get the issue solved, and while my agent was great, i did not get the issue resolved, and my support ticket was NEVER followed up on. I wasn’t asking anything egregious, just wondering after days of waiting when my deposit will be put back on my card because I know it is chime themselves withholding. Nevertheless, i would still recommend chime, fantastic bank, so much better than conventional banking and I will continue being a chime user as long as they are around.

2 years ago, J.Quamaine

Scammers Paradise

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!!!!

2 years ago, Danaecp

Stupid policies & customer support

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.

4 years ago, ishh16

CHIME > other banks

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

4 months ago, The witch crafter

Great Banking app…However

I love chime the app is very user friendly and easy to find everything if you ever have a problem, when I have to call I’m never on hold longer than 30mins with compared to other call centers that’s pretty great, I love the credit builder my credit is pretty bad so anything helps! My issue is it’s not a full banking service I wish they offered loans or would bring you to websites of banks that will give you a loan not some sketchy site that will blow up your email, same thing with car insurance they have a banner in the app offering to help find a lower rate and to me it isn’t helpful at all, it just brings you to some sketchy website that seems like it’s just there to collect your information and then bring you to an actual insurance company’s website and then email is full of spam I would recommend it but just don’t go through them to check insurance rates or get a loan I do love the new feature however that gives gas discount and more built right into the app I was using a third party but hey one less app on my home screen I’ll take it, Spot me is a life saver took finally building a savings and haven’t really had to use it but still awesome for when you do!! I would definitely install it and check it out I think it’s great

2 years ago, GMoney332

Pretty good except for check deposits

They recently started holding checks for a week before making the funds available. I’m not talking about a personal check- I receive a regular paper check from a bill-pay service every two weeks and the money is drawn from the source account when the check is issued. If there aren’t enough funds, the check won’t be issued. It’s like a cashier’s check. Chime used to make the funds available at the end of the next business day but now it’s a painfully long time for a check like this. I would understand for personal checks but these are like cashier’s checks and I’ve been depositing them with no problem for years. It was a major hassle when the delay first came into effect and a bunch of my bills could not be paid on time. It’s a bummer. My card has also been randomly declined in situations when there were enough funds. Both times I was able to withdraw cash from a nearby ATM (with fee) to pay the bill I couldn’t pay directly with my card, but it would’ve been really annoying if there hadn’t been an ATM nearby. I called to see why the card was declined and the card services people were unavailable- once at night but the other time at 4 or 5 in the afternoon— they were already closed for the day. Maybe it was after closing on the east coast?

2 years ago, Black_n_Yell0w

Excellent bank, excellent app

I use Chime credit builder constantly and since adopting it have substantially raised my credit score, unlocking opportunities I otherwise never would have had. I also enjoy the luxury of getting paid 2 days earlier than normal pay day. Spot me has also saved my skin on SO many occasions. The seamless integration to Apple Pay was also extremely refreshing from the hoops you normally have to jump through to get other traditional cards on such. Cons are few and far between, the main downside being getting charged at most ATMs to withdraw money but luckily I rarely do so that’s not a deal breaker for me. The other con is not being able to deposit cash without a fee for a vanilla reload at stores, which again isn’t the worst thing ever for me nor a huge hindrance. If you like having checks, depositing or withdrawing cash, Chime isn’t the best choice for you but for everyone else, the benefits outweigh the drawbacks. I feel the fact that they don’t charge overdraft fees far outweighs any of the negatives and give it a solid 9.5/10. Really great bank and excellent app design, easy to navigate. Would recommend to anyone. Last mention is the perk of getting $100 for referring people to Chime!

10 months ago, vlvt$

Has some issues but still a great app

All in all its a great way to help build your credit if you have none because of the way that the credit builder card works and the fact theres no hidden fees to worry about. i personally hate spending money i dont feel like i have so this credit card was a great option for me because you can only spend what you put into the secured account and chime doesnt report how much of it you use to credit bureaus like some other banks do, so you can only positively effect your credit. Also, i get paid 2 days early and the user interface is very appealing. the only issue ive had with chime was when i got a new phone and new number and couldnt access my account through the updating your phone number information process. i suppose they flagged it as suspicious activity? im not sure but it did it for days and i was actually getting very frustrated because i no longer had access to my old number. but i called customer service and got it sorted out within 10-15 minutes after an identity verification process. if you run into a security issue such as the one i did, just call the number right away instead of waiting a week like i did.

8 months ago, Framie143

Great fee free banking but limited transactions

Chime had been an essential tool in helping me understand and build credit history. The UI is decent, I feel it could be simplified and easier to use but not even close to terrible. It’s easy for everyday transactions and there really are no fees. Connects to Apple Pay easily. The only things I have found to be an issue is renting a vehicle, even with the credit builder card, I am not able to rent a vehicle even though Chime claims you can rent a vehicle using their card. The major rental companies consider this a pre-paid card and it is not an acceptable form of payment. I have experienced this the hard way. I also completely disagree with having to pay money to deposit cash at most locations. I realize this is not a fee from Chime but paying to deposit money is just plain wrong and screams corporate greed! Finding a nearby Walgreens is not always possible. Other than those 2 things though, Chime is a great choice for anyone looking for a simple no hassle, no fee debit card. Get the credit builder card to build credit & take advantage of the free credit building service as well. You can view your credit score & report for free, also a great resource for anyone looking to build and establish credit.

3 years ago, Nancy J. Anderson

Literally the BEST bank I’ve EVER HAD.

Before I got Chime, I was with BMO Harris Bank for about 2-3 years. It seemed like I was having a new issue every single week; the final straw for me was finding out my account was empty AND overdrawn, just over $50, for a “non-BMO ATM FEE”, literally with the ADDRESS of the BMO branch that was 2 blocks from the salon I worked at in downtown Chicago. Not to mention that they waited like TWO MONTHS LATER to try & charge me that fee...so I had to comb through all of my bank statements, and even after showing them the mistake was THEIRS, and THREE trips to the branch, it took another MONTH for them to fix it. Chime has literally changed MY LIFE. NO fees, thousands upon thousands of fee-free atm machines, excellent customer service...I can go on & on about how much I love this bank. Best of all is when I got their Credit Builder card, back in January....I’ve been working on my credit for about 2 years now, and as soon as I got the Chime Credit Builder Card, my score jumped up to 106 points on TransUnion and another 48 points on Equifax!!! It gave my credit score an overall boost of over 150 POINTS!!! If you are tired of being scammed by these banks AND want to build your credit up, *CHIME* is THE ONE for you!!! Good Luck! ♥️

4 years ago, b.groves99

I used to love Chime

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.

12 months ago, klox0523

Do NOT deposit mobile checks to this bank

I took out money from my retirement that I desperately needed as I was out of work for a few months. Without knowing the hold requirement, I deposited the check on the mobile app. Only the next day did I find out a 10 day hold was put on my check. A U.S. treasury check!!!!!! If I had went to a teller where I live at PNC, the funds would have been available the next day; however, I deposited it into Chime. My car insurance got cancelled, they are threatening to turn off my electric and take my car, and my landlord is threatening to evict me and I have large deposit of money that I made into my account that could help me not lose everything I have but I can’t touch it because Chime won’t make it available to me. Not even a small portion of it…they won’t give me anything until after 10 days. In the meantime, late fees are adding up and I am getting more and more in debt. Once this hits my account, I am done with Chime forever. What a horrible experience and no type of resolution to help. You talk to a bunch of reps who can’t take the hold off your check because it’s through bancorp. Since they are handling our money, we should be able to talk to the people who can access and make changes to our accounts instead of them being able to hide behind Chime so there is no accountability. I’ve never in my life heard of someone holding a U.S. treasury check for 10 days. Pathetic!

2 years ago, jebc10

Spot me

I have done everything that I have read about the spot me. I have qualified for the $200 spot me 90 days ago and I still have not received my $200 spot me y’all have received over 15 direct deposits of 2000 to 3400 a month . I have used my checking account and I’ve read the small print on spot me. I have been qualified for the $200 spot mean again over 90 days ago. That is my only reason why I bank with y’all but I spoke with the lady today she was really nice and I explain to her that if y’all want to keep my business please raise my spot me before October 25 or you will lose my business. I have done everything y’all told me to do and I have earned it. And I enjoy having that security blanket my wife I got her hooked up with Chime. Because of me She had her spot with $200. 6 months later. I know I’m not gonna hurt your business, but that’s the only reason why I chose y’all because there was it any fees on your spot me besides the tip and I always tip but that’s the only reason why I am leaving but thank you so much I’ve enjoyed charm. Y’all have a really great app. I can send money to my kids my honey. I love all the savings with the change. It’s awesome. I will miss banking with y’all.

3 years ago, Cheykim

Waste of Time

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.

3 years ago, Cmssas03

Chime App / Direct deposit consistency

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

4 years ago, Kryptic Arrow

Great bank but I’d like to see some improvements in the future.

*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.

3 years ago, Teh_Black_One

Great so far!

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!

2 years ago, Head Knight

Incredible!

I started using Chime when I started at my new job. I was a bit nervous to utilize a new banking system after being with Wells Fargo since the 90s. Not only did Chime make it extremely easy to set up, but the app assured me that I did not have to leave Wells Fargo right away. Eventually, because Chime has been THAT amazing, I plan on completely migrating over to Chime. But I want to spotlight on the app’s direct deposit function, because that’s where this app truly has shined, in my opinion. I split my check that I received, and not only has Chime allowed me to still deposit 10% of my split to Savings but I’m still allowed all the features it has presented, such as Round Up. I am amazed how many lack of limitations that this company has when you’re a member of their banking system. I’m not charged for a savings account, nor do I need to have a certain amount to allow interest. Oh! By the way, when they say interest, they absolutely mean it! The interest you receive on your savings is mind boggling. I wouldn’t say it has the best high yield account I’ve used, but it is great for just a “standard” savings account without the stress of making sure you meet a minimum. Great job, Chime!

7 months ago, DannyGonzo96

Apparently they remove your ability to access your own money at random

The "Your Pay" feature is a complete scam. They have a bunch of hidden conditions they don’t tell you about straight up and apparently they can just remove your ability to use the feature in the app whenever they feel like it. I had used this feature literally the day before without issue only to find it gone the next day, preventing me from accessing my paycheck early as they said they would. When I called customer service, they made up some story about a secret balance which was past due that I can't see in the app and refused to elaborate further. I explained to them that no notifications or emails or texts that come in notify me of such a thing. Nor did anything come in letting me know that there was a deadline for such a thing. as if that wasn’t bad enough their customer service is absolutely abysmal. The company is so cheap that they try to pawn off most customer service inquiries on a robot and when you do finally get a person on the line It’s some Indian dude in a call center On the other side of the world with no real connection to the company and no real incentive to help me with my problem. like I’m literally just trying to get access to a feature that was working just fine yesterday. I plan on removing all of my funds from this app and doing business elsewhere. I suggest all of you do the same.

1 year ago, CoolCatHales

Very inconsistent

At first I loved chime. I’d get my check around 5-6 every Wednesday. But for over a year now it’s been extremely inconsistent with when my check loads. A lot of times recently I don’t get it til Thursday (which is one day early) and that really messes with me because I go check by check and i need it that Wednesday. It’s very stressful to not know if my check is going to come or not and when it’s going to come. They blame my employer yet other people at my job get their checks around the same time same day every week so it doesn’t make sense. I haven’t even had an opportunity for my spot me to go up. It doesn’t tell me anymore what i need to qualify for it to go up. It used to tel lame how much and how many months and then show the amount I’ve made so far and how much more I need for the month. Now nothing shows but the typical explanation of spot me. So why am I not able to raise my spot me all of a sudden? Chime isn’t helpful. A random $20 came out of my account and they didn’t do anything about it. I’m switching banks because I can’t handle the inconsistency of not knowing when I’ll get paid and if it’ll come the day it’s supposed to. It doesn’t make sense for it to come Thursday mornings when every other time for like ever it was no problem loading in 2 days early. But now it’s been terrible. It’s stressful when you go check by check. So I don’t recommend if you go check by check every week.

3 years ago, Kelso Dun

Love it

I was done with my local credit union. Fee after fee after fee after fee. I blink and I had a fee from that bank. So I decided to try out Chime. I AM HAPPY WITH THAT DECISION. I have NEVER been charged a fee with Chime. They offer spot me. And as you stay with them longer, the spot me increases. So say you thought you had $50 in the bank, but turns out you only had $40. No worries! They will spot you, and you get charged nothing. I don’t use it often, but when it happens its nice to know I won’t have to pay an extra $34 or however much these days. And most of the time they send you a notification of your balance every day, except for some reason I haven’t been getting that lately. I have no issues finding an ATM that won’t charge me $2-4. My money is deposited 1-2 days early. I actually never had to contact support yet. I been with Chime for a year!!! The only thing is I haven’t tried depositing money, as thats the only thing that would seem to be a hassle, but I never had to so it may not even be that much of a hassle. If you are tired of endless fees, banks who don’t understand, corporate bank / credit union companies getting any and every little penny out of you, THIS IS THE BANKING APP.

3 months ago, paddlewhacker1982

Zero complaints!

I’ve been with Chime for years now. Literally never had a problem. I get my direct deposit 2 days earlier than everyone else. I have a savings, checking, and credit builder. You can connect external accounts and cards flawlessly. Transfer money to non-chins users for FREE (goodbye Venmo with their fees). And my favorite feature is the credit builder card… It’s metal, first of all, so it lasts forever- but it works exactly like a debit card, except that your reoccurring monthly payments (if you pay your bills with it) are reported to the credit bureaus and builds your credit! (Just like a credit card; except there are no fees, interest, or minimum credit score required) I was skeptical at first because there’s no physical bank to walk in, but I’ve never missed it. They have atms everywhere, and I keep my local bank account connected just in case I need a bigger cash withdrawal. It transfers immediately and available. Also, when I changed jobs for a over a year I didn’t use it… but they kept my account open and I was able to pick right back up. They also offer discounts to lots of things, and other features, but those are my favorites!!!

4 months ago, Illyeetyayana

worth it

as someone who just turned 18 i was more worried about credit cards and money, and how to deal with it. the things i do enjoy is the credit builder which does a wonderful job at helping your credit each time you pay it back. having a credit card that functions like a debit card helps ease my anxiety about statements due and etc. getting paid two days early is also the plus the only thing id personally like would be the ability to lock my savings from myself as i am a CHRONIC spender and can’t manage my money like i should. chime does a wonderful job at maintaining your finances and credit. i also enjoy how they will show your bills and how much you’re paying for them. their concept is a little hard to grasp and they only give spot mes for around 20 bucks: 40 if you have friends with chime but i prefer it that way as so im not over spending my money or next paycheck. very worth it if you’re just turning to a new credit card or if you’re looking to open up another one. my credit score my only be low but that’s only due to the fact my credit history is so small which does make sense since this is my first credit card.

10 months ago, NateHibbs

Chime is the best.

I absolutely love my Chime Debit card. Looking for ease of convenience they look no future then the Chime Debit card.. Take advantage of getting paid up to 2 days early with Direct Deposit and as an added bonus once Direct Deposit is set up you will access to Chimes Spot me Feature which lets you draw up to $200 of extra money with no additional fees and on your next deposit Chime will automatically deduct it from your paycheck and payback your Spot Me without charging a single cent extra. Also take advantage of the Chime Credit Builder Credit Card as it reports to all major credit bureaus and can significantly increase your Credit Score best of all you decide how much money you want to move from your Chime checking account over to your Chime Credit Card and with the safe credit feature Chime will automatically make your credit card payment on time every month, with the money that you had already moved into the Credit Card account and spent. You do not ever have to worry about missing a credit card payment again or not having enough money to make the payment because Chime does it for you all with no extra charges ever!!!

4 months ago, Big Daddy Buttwax

Doesn’t Get Better Than CHIME!

Chime is flexible, modern, convenient, forward, thinking, app is excellent always being upgraded for functionality. Customer service is awesome fast friendly accurate Chime is about real life. It’s about being on the go juggling finances the old brick and mortar institutions are highway robbery. I’m a single father of three every penny counts, I can’t afford to be paying $35, every time one of my subscriptions or one of the kids buys some thing at the App Store and it throws off my account and I get whacked $130 because of one mistake that my eight-year-old son didn’t mean to happen he didn’t know but they don’t want to hear it. It’s like they look for ways to cost you more money the Chime overdraft itself funded by the members is excellent, overall I’ve been with Chime since 2019. It’s been great they steadily upgrade they’re always looking to do better and I’ve never seen them try to squeeze anything more out of their membership. The only thing I could add that I could see to make it better is if you have a good track record, then your spot me, could be increased incrementally for your years of good banking other than that thank you, Chime

5 years ago, cmb101009

Happy customer!

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

4 years ago, WTFisfritopie

It’s wonderful.

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.

3 years ago, Sydney Razo

The worst banking app ever!

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.

2 years ago, Hbreeze1

Chime has robbed me more than once

I’ve loved and raved about my chime service. I thought it was great and worked perfectly for me and my lifestyle as I am a student. But, I had somebody hack into my card more than once, totally understandable, it happens with banks. The first time took over a year to resolve for $99… I wouldn’t fight for that amount of money if I didn’t need it. However, both times it has happened Chime has made it close to impossible to get my money back for charges that that I did not spend or authorize. Last time this happened it was for 3 charges at one time for over $1,000 at Walmart? If I was spending that kind of money myself why would I have 3 different charges increasing in value each time knowing I didn’t have that money? And when I reported it, Chime told me they didn’t see anything suspicious. Thank god my account balance didn’t have sufficient funds for all of the charges to go through or else I would literally be homeless. I work hard for my money and it’s absolutely ridiculous that a bank will let people get away with spending something I worked for leaving me unable to pay for my own bills. I’ve had banks ask me for less information and have given me my money back no questions asked. Don’t leave a large amount of money in your chime account because god forbid somebody gets ahold of your information, your screwed if it’s up to Chime.

Description

Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid early with direct deposit^, with no monthly fees. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. May be used everywhere Visa cards are accepted. TRUSTED BY MILLIONS Stay in control of your money with instant transaction and daily balance alerts. Plus, enable two-factor authentication and block your card in a single tap. OVERDRAFT UP TO $200* When your balance is running low, the last thing you need is an overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases and ATM withdrawals fee-free. NO MONTHLY FEES Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more. GET PAID UP TO 2 DAYS EARLY Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks. A NEW WAY TO BUILD CREDIT Use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. No interest‡, no annual fees, no credit check to apply. PAY ANYONE WITH NO TRANSFER FEES Send money to friends and family fast as a text – with no transfer fees. ––––– *Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions. Only SpotMe eligible members may send boosts. ‡Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM. ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card. See chime.com to learn more. ²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. ³Based on Bankrate’s 2022 Checking Account and ATM Fee Survey: https://www.bankrate.com/banking/checking/checking-account-survey/ Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®. Address: 101 California Street, Suite 500, San Francisco, CA 94111, United States. No customer support available at HQ. Customer support details available on the website.