Chime Financial, Inc.Chime® – Mobile Banking Customer Service
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Chime® – Mobile Banking App Comments & Reviews
Chime® – Mobile Banking Positive Reviews
Chime really is #1Chime has changed my life in so many ways I never knew a bank could. From getting my checks earlier to there totally awesome spot me that lets you overdraft without the worry of any hidden fees. The amount grows in time and it don’t take long at all. They even have and additional get your check earlier where it allows you to get up to 500$ of your next weeks check. I don’t know how many times where I got into a hard spot and I knew that chime had my back. I’ve also learned that my credit score went from a 610 to 755 in a year of using chime. That was before I even used chime credit builder. Chime is all around a great bank I have had them for 5 years now and they keep coming up with ways to surprise me. They have an amazing customer support, very easy to work with very professional. I could sit here all day listing all that chime has to offer and I’m being for real. I’m not paid by chime for this review. Chime has just been there for me and I feel like I should return the favor. You won’t loose anything from trying them out. They even have referral offers. You refer a friend and they will give you and your friend 150$ sometimes more then that. Person you refer has to sign up for direct deposit through work and receive your first check on it, then money is yours. I can go on and on but I have said enough. Welcome to chime. I hope you have the same experience as I have had. Have a good day!!!.Version: 5.269.0
I love Chime!Chime has been a huge help for me for the past 5-6ish years I believe. I’ve been using them for a while with direct deposit. They are massive help when you are in a tough spot. Not only do they have the Spot Me fee free feature, they have also came out with the My Pay feature, allowing you to borrow a lump sum of your paycheck before pay day! Fee free! You of course have to build up your limit that you are allowed, but nevertheless it is a massive help in tough spot. It’s absolutely worth building. It did not take me long to max out at all. Another worthy note, you can boost friends in order to raise your Spot Me even higher. It’s such a great way to mobile bank, and I highly recommend it if you’re looking into mobile banking. Although there are some features you won’t get like you would a regular banking account (minimal, such as bigger loans), and VERY RARELY do I come across certain places I cannot use Chime for (because these places do not support it currently) but it’s still definitely worth using in my opinion. There is always hope for future improvements of course. ☺️I will continue to use Chime, and it will be recommended to anyone that may need it or who are searching. Thank you for having mine and millions of others back, Chime! 😁😁a fat 5 stars for you..Version: 5.263.0
A good and simple banking serviceChime 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..Version: 5.144.0
OverdraftI like Chime for the most part besides the overdraft limit comes in day by day so if you get $500 over draft you technically only get like so much of that overdraft daily starting out it’s like $25 I been with Chime now for over a year and just now getting $50 a day overdraft limit it’s just ridiculous. Especially when you need to pay a bill or get groceries. Rather than that easy to use. I didn’t like a big Money transaction amount of a dispute that was wrongfully charged for a car that was even fixed Chime denied my dispute when I sent in screenshots of text messages receipts documents thru emails pics and videos for evidence and proof I just paid for services that the car place did not fix at all. I even ask them to give me my money back before contacting my bank they said no that they would have a mechanic take a look at it. They lied about test driving it too I didn’t get 2 miles down the road before my engine shot to overheating out of nowhere and almost cause even more damage’s to my vehicle luckily I acted quickly and had to sit for an hour two miles down from the shop to wait for them to bring a tow truck right down the road to bring it back. So future Reference Chime dispute team my claim of my dispute was black and white with all the proof so the fact my bank who holds my money should protect my money at all cost especially for something that is straight up crooked and that didn’t receive services that I had paid for!.Version: 5.260.0
Great, but…I recommend this app to people all the time, but suddenly disqualifying me from SpotMe because I had a couple light checks and just keeping my money has got to go. There shouldn’t be any qualifying conditions other than receiving a direct deposit OF ANY AMOUNT. Why does two paychecks of $197 mean I’m less trustworthy than someone who’s had two paychecks of $201? $4 is the difference between whether or not you’re certain you’ll get your money? If I get no direct deposits for a while, yeah, sure, do that; but if I’m getting direct deposits of like $180, I’m pretty sure that means I can get you back your little $20. How about you just look at monthly income, if you’re gonna look at anything at all? Demanding every single direct deposit be at least $200 is ludicrous and insane, and it’s gonna run you out of business. Your credit builder card is an awesome service, and you’re absolutely my go-to for banking— don’t ruin that. You put me in a really difficult position by disqualifying me with no warning— and before you say “you knew the limit”, there are no provided guidelines on how many times you can fall below $200; also, I get paid weekly buster. If my checks were biweekly, I’d qualify, which is just another failing of your qualification system. Take a tip from CashApp, before you start hemorrhaging customers to the competition. No qualifications. Debt collectors exist for a reason..Version: 5.249.1
Great for what it isPerfectly reasonable and useful app and service. I've used this service for 2 years and rarely see bugs or glitches in the app. Typically my paycheck is deposited on the same day that it is processed by my payroll (2 days before traditional banks). There is no option for joint accounts at this time, but it's very easy to move money to or from another Chime user. The credit builder service is excellent, particularly when used in "safe" mode. The app allows you to set out a portion of each deposit for Credit Builder and Savings automatically, which makes setting up auto-pay super easy for recurring bills. Spot me is a nice plus for the occasional overdraft, and the MyPay loan option is useful for tight weeks as long as you budget appropriately around paying it back. Mobile check deposit is easy to use and typically processes quickly (often same-day) unlike other banking apps I have used. I deducted one star due to the fact that a not-insignificant amount of other money/budgeting services do not work well with Stride bank, but that is not a reflection of the app. Overall, I would recommend this app to people who either do not have any mingled finances but do frequently send money to friends/family and to those who have mingled-but-not-merged finances as it allows easy transfer between users (and non-users) while maintaining an individual account..Version: 5.240.0
My overall thoughts on ChimeFor 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!!.Version: 5.187.0
Great Online Banking App!I have been using Chime for my payroll direct deposit for many years. I have always received my paycheck 2 days early. I really love the Spot Me option, where you can go negative up to a certain amount & Chime will cover you with no fees! You can also send up to 4 other Chime users a $5 “boost” & when you receive one back, you get an extra $5 of Spot Me (up to $20 extra in Spot Me per month). You can send money to anyone with or without a Chime account with no fees by using the “Pay Anyone” feature. The recipient receives an email containing a link where they enter their card details & the funds are instantly available! Chime also offers an Instant Loan, which you pay back in monthly installments. Chime also offers “My Pay”, where you can get up to $500 of your paycheck early & you just pay it back with your next direct deposit. The only downfall to My Pay is you are not able to access the entire $500 at one time. Each day, you are able to request a small amount to be deposited into your Chime Checking Account. My Pay does charge a $2 instant fee, which you pay with your next deposit. They do offer a free option, but can take 2-3 days to be deposited into your account. Overall, I highly recommend Chime as an online bank! I just wish they would allow larger My Pay deposits..Version: 5.265.0
I love chimeI banked with Wells Fargo before which stole money from me and gave me fees that I didn’t know about they really killed my trust in banks but then I heard about chime and even though I was scared I tried it anyways because I was starting a new job and didn’t want my checks deposited into Wells Fargo so I with faith downloaded chime about 2 years ago and I can say they I trust them the most I love that they have a credit card to build your credit but they only take the money you put in like a debit card they also have an over draft safety net and you can send an extra 5$ 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.Version: 5.144.0
Chimes characterI’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!!.Version: 5.224.0
Amazing if you live paycheck to paycheckI 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..Version: 5.71.0
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..Version: 5.123.0
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!!.Version: 5.31.0
Helped credit scoreHave 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..Version: 5.179.0
AwesomeSo I’ve had time I think for roughly around 2 years now as a second bank and man, they are so awesome! Truly and I think this is the first review I’ve ever left on an app in my life🤣. And I also bank with navy federal, and I have always been under the impression and still feel to some degree that is the best bank you can have as far as a traditional bank goes because they are fee free and you can get great loans and great discounts but obviously you have to be ex military or have a close family member who is military. Chime I feel is changing the game of banking and just to see the growth and new measures and features they put into the bank and the app itself within these past two years really shows that this bank has a big future, and will change banking forever. I think they will be doing loans as well in the future but for some reason the only bad thing about this bank is that if you try to get a loan through a company, they will not work with you if you use your chime bank, and a few other institutions out there look at Chime as if it’s one big scam witches truly unfortunate. But I still give it five stars. Because it’s not their fault I’m sure that these a holes look at Chime the way they do and don’t want to work with them..Version: 5.249.1
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!!.Version: 5.161.0
ABSOLUTELY AMAZING!I can’t began to tell you enough how much I truly appreciate Chime and am blessed to still be a member and have for over 3 years now . I do have a Wells Fargo account as well b/c I need a real bank for my PrizePicks deposits. But other than that I use chime for everything, my savings and direct deposit. My credit score has went up 100+ points with using chine credit builder. Thank you for the creators because so many times I have used the spot me feature and was able to put gas in my car, get food etc. and try to make a way until next pay day!! Chime is definitely an app for the people❤️! And does try to support you financially even if in a hardship. I had direct deposit with chime for my job I had been working for 9 months I got laid off & chime gave me a boost of $160 for a month after they noticed my scheduled deposits had stopped. Luckily I was able to obtain another job within a month so I was able to keep my benefits- (let me clarify) —> They give you a certain amount of time to set up ur next direct deposit before your spot me goes back to $0 and any boosts. (Everyone situation can be different, this depends on the amount of $$ coming into ur account also how frequently and however chime calculates those things..Version: 5.267.0
R.HollandI love chime. I prefer this over a bank account any day! No worries of fees and it’s basically already set up for you as far as online banking that you normally have to set up with a physical bank. I’ve always had issues with fees even weather I set up the overdraft protection or not. I’ve had issues with every bank I’ve used over the years and then can’t access large sums of money when I need it. With this app, I easily set up direct deposit, I’ve had a great experience and even got a text instantly when I tried to make an online purchase that turned out to be a scam and they didn’t allow the transaction until I gave them permission to still make the transaction, giving me the opportunity to look into the site and determine if I still wanted to allow the transaction which saved me from having to dispute things later and be out of the $40 I almost gave to scammers ( not to mention my card info to a scam artist) this app/ card/ online banking has been a breath of fresh air!! 5 out of 5 stars and highly recommended!!! Thanks Chime! I will be telling my friends and family about this. I’ve already talked to a few. Every one needs a chime account. Best decision I’ve made about my finances and wish I knew sooner!.Version: 5.245.0
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!.Version: 5.229.0
Love itHad 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..Version: 5.142.0
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 $5! But the very best part is getting paid early! I get paid on Friday at midnight through my work, well everyone else does. I get my check on Wednesday! I had my most recent check around 5pm on Wednesday. Also when the stimulus checks got sent out I got mine super early. I didn’t even know they had passed the checks until after it hit my account!.Version: 5.85.0
Chime is amazing, just one real issue in my opinionI never usually leave reviews but i feel like chime deserves one. Amazing bank, phenomenal the amount of control they give you to handle your finances unlike most conventional banks where it feels youre at their whim. Chime credit builder absolutely works, helped me build my credit over 100 points in a little less than a year. SpotMe is amazing, never had an issue with it. That being said I have one complaint: the pending transaction system. To be fair to chime it isn’t a problem for just them, but I feel its at it’s worst with them. When it comes to certain refunds/deposits believe me it will take DAYS possibly a week or two before you see that money back in your account. And when you go to support, they just completely forget about you! I put in a ticket to help get the issue solved, and while my agent was great, i did not get the issue resolved, and my support ticket was NEVER followed up on. I wasn’t asking anything egregious, just wondering after days of waiting when my deposit will be put back on my card because I know it is chime themselves withholding. Nevertheless, i would still recommend chime, fantastic bank, so much better than conventional banking and I will continue being a chime user as long as they are around..Version: 5.135.0
CHIME > other banksHave you ever been charged an overdraft fee ? Just because you went over a dollar and you didn’t realize and now your bank is like, “ohh you don’t have a dollar now we’re gonna charge you 35$(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..Version: 5.55.0
Great Banking app…HoweverI 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.Version: 5.242.0
Pretty good except for check depositsThey 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?.Version: 5.144.0
Excellent bank, excellent appI 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!.Version: 5.142.0
Has some issues but still a great appAll 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..Version: 5.188.0
Great fee free banking but limited transactionsChime 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..Version: 5.196.0
Started out greatI am giving Chime three stars because it started out great. I got my check two days early, I was able to establish credit with their credit builder feature, and Spot Me is a great feature. However, then they introduced the My Pay feature. It started out as an awesome addition. It really came in handy when needed and although it wasn’t always accurate on my earnings, it was enough to actually help out. Then all of a sudden they announced it would be going away. This left lots of people in a bind who used the feature. Now it’s back and totally inaccurate, it’s basically a higher version of spot me and even though I used it for the whole time previously and all of my direct deposits go into this account, they are only offering small amounts. It does not track you to and from work which accounted for increases in the amount previously. So you basically have to rebuild to the actual $500 they advertise. It’s not based on your earnings because if it were that means they are only offering 7.5% of my earnings every two weeks. I get for new accounts but existing customers should be eligible if they have a great track records for more. Overall, its a feature that helps and many prepaid accounts do not offer. Just do Not expect more than $100. Otherwise, I am happy with Chime!!!!.Version: 5.241.0
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! ♥️.Version: 5.67.0
Chime App / Direct deposit consistencyYour 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.Version: 5.72.0
Spot meI 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..Version: 5.143.0
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..Version: 5.40.0
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!.Version: 5.61.0
Love itI 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..Version: 5.91.0
So helpful!I have been using Chime for all of my banking needs for several years now. I use the checking account, savings account, and the credit builder account. I was once advised by a realtor that the credit builder account doesn’t really help that much but it seems to have helped my credit score over the time I have used it. I have found that the Chime customer support team is both easy to reach and helpful. They have so many local places where I can load and withdraw money, and I can’t think of a single issue I have had that wasn’t quickly resolved. It easily connects to other types of accounts for simple payments and for access to my credit score. I love the boost feature and the spot me feature where I can choose to tip or not tip for the ability to overdraft my account without additional fees if necessary. They even have come out with their own form of daily pay from your job which has almost completely eliminated my need to ever use spot me. I just wish that the MyPay repayments could get reported to the credit bureaus. Thank you Chime for allowing me to have a simple banking experience! I suggest you to anyone who needs a bank account..Version: 5.243.0
Free International Money Transfer 💸Enjoy high maximum transfers into more than 20 currencies while saving up to 90% over local banks! The cheap, fast way to send money abroad. Free transfer up to 500 USD!Version: 5.327.0
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