Chime Financial, Inc.Chime® – Mobile Banking Customer Service
Join America’s #1 Choice for Banking™ and the millions who already bank fee-free.⁵ With Chime, your money works harder from the moment it hits your account.
Chime® – Mobile Banking App Comments & Reviews
Chime® – Mobile Banking Positive Reviews
Much better than any physical bank.I’ve tried quite a few banks in my area, even high profile banks and such. Chime is the best I’ve come across in all my years. I was constantly being charged overdraft fees but wasn’t even aware of it before. With chime, whenever I get charged for anything they notify me; Make sure the transaction is approved. They don’t charge you an overdraft fee, instead they just cover a certain amount of the bill for you, no fees or anything. There’s option to automatically save some of your paycheck, and to round up your purchases into savings as well so you can save while actively spending. It’s incredibly easy to find account info, as your banking AND card info is available on the app with just a simple click (and, Face ID of course to verify it’s you). The referral program is also incredibly easy. $200 (yes, two zero zero), for a referral. $100 to you, $100 to your friend. Do I sound like a spokesperson or what?? But seriously, my friend was on the fence because she didn’t want to switch her direct deposit info over and have her bills come out. I convinced her it was worth it to get $100 for free, and that she could switch it back over to her old bank if she didn’t like it. She ended up loving it, and now all her direct deposits come through chime as well as all her bills and her rent even comes out of chime now! If you think it’s a hassle, or not worth the time or effort, I assure you it is. This is hands down the BEST banking I’ve ever had. Thank you chime!.Version: 5.152.0
Great bankI really enjoy using Chime! It’s a great app to use for banking. I was skeptical about it at first, but over time it’s proven itself. There are only 3 minor setbacks that i can name— The only issues I’ve had at this point is that it’s hard to get in contact with an actual person, being that there are no physical branches to go to; however i have no yet had an issue that couldn’t be resolved. Also, sometimes that ATMs that are available to retrieve cash with no fee from are an inconvenience to get to since you’re only allowed to get money from certain banks (without having to pay the convenience fee that can be up to 5 bucks depending on where you go). To get around that hassle i typically try to get cash back when i go shop in a store if i need the paper money actually in my hand. One other thing is that if you use the app to transfer money to a different bank account it takes like 6 days for the money to be available, which is usually more time than im willing to wait. To get around that i usually will send the money to a friend via Cash app (which is connected to my chime card), and then have them use Venmo or PayPal to it back to me (so that it deposits into my other bank). This are my 3 biggest complaints. Other than that I’ve had no real issues. The banking app itself is very well put together and makes the you could be looking for very simple. I love getting my direct deposit 2 days before pay day! I love that it’s a Visa card which is pretty much accepted everywhere. I would recommend this card to anyone..Version: 5.5
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
Review from loyal customer JamesOne great Online Bank. I would highly recommend to anyone who cannot open up another account with banks like TD Bank, Bank of America, PNC Bank, and more. This is a top of the line online service where you can send and receive payments from and to your cash app directly. Set up your own direct deposit with your job and get paid two days in advance during your pay week. What they will do is just take your pending deposit from your employer once they put the payroll in the system. Then they will deposit your funds straight into your bank account. You are also eligible for up to 100$ in overdraft deposit amount but, you just can’t take the money off your card if the account overdrafts. You can only spend it on the card so, let’s say if you have only 10$ left in your account and an item cost 15$ you can still use your card with overdraft protection for up to an 100& spending limit and chime bank will also notify you on and about your spending limit! When a deposit enters your card they will then take the amount of money that you overdraft your account with back from your deposit to make the balance positive again. You can also, receive 50$ referrals when you invite new contacts and friends to the bank just share your link. If both of the parties are receiving over 500$ deposit amounts set up from your job then both of you guys can receive 50$ a piece! This is one great bank and you can use the ATM’s via all 7/11 worldwide and put money on your account at all 7/11’s in the nation!.Version: 5.40.1
Very happyMy husband and I both have a chime card s as nd we are extremely happy with our service! For us and our busy lives, this works out much better than a traditional bank so we don’t acquire tons of overdraft fees but yet we still have the option to move money back and forth to each other’s accounts to pay bills, (or whatever the reason may be) through the pay a friend option! Another feature we have really been happy with has been the round up (I think it’s called) where they take a portion of each transaction and automatically deposit it into your savings! It has really added up and helped each of our savings accounts grow! The notifications you receive each time a transaction goes through or when your checking falls below $20 is EXTREMELY HELPFUL to helping us stay on top of our spending! The only occasion we have been unhappy with our account/service was there was about a 3-7 day period that our account funds was unavailable! I can’t remember what had specifically happened, I just remember we had no access to our funds for a solid 3-7 days and Chimes system was completely down! We didn’t have access to our checking account for food, gas, basic necessities! But it was a single event, it was only one time that’s ever happened. They didn’t really compensate us in any way. It was a scary few days because we didn’t know how long it was going to last. Customer service would tell us at first 24 hours then they began saying they were unsure. Aside from that single event last Summer 2019/Fall 2019 the service has always been dependable!.Version: 5.38.0
No protection against unauthorized charges!I have been with Chime bank for a year now, with biweekly checks and other side money coming to my acct. This month someone stole my bank card twice! The first time I had to constantly call and send reviews to get my money back. This time they told me they did not find an error! I requested any videos and documents used to determine this ! How was no error found when I know I didn’t use my card! Where is the video of the theft? I’m absolutely disgusted with Chime banking ! How can you hold your card holders responsible for transactions they didn’t do! I’m sure you guys have insurance on that money! Now I have bills that have been returned, which I’m being charged returned fees for by the way, and I’m out of $600 because my bank does not protect their customers! I asked SEVERAL times for a recording of the individual so that I can file a police report, and still NOTHING ! Their dispute department is absolutely the worse. I spoke with JULIE and when I requested a supervisor she put me on hold for several minutes and then came back to the phone using a different name and said she is the sup. When I requested a manager, a sup got on the call and when I asked for Julie’s title he told me a dispute rep. I advised him of her poor customer service and the fact that she lied to me and started laughing on the phone is totally beyond me. I can not believe this is what banking has come to! This is really poor customer service, and if this isn’t resolved I’ll definitely be bringing my money back to a major bank!.Version: 5.22
Truly amazing banking appThis app has not only allowed me to receive my paychecks a few days early. They are very on top of protecting my funds from fraud and theft. Their customer support live chat team is wonderful and quick to reply and help with any issues that may happen. I’ve banked with almost every big name bank out there and Chime has to easily be top 2. Not to mention the “spot me” feature. When life has random situations happen they are able to help. Everything is so professional and easy to do and access. The referral rewards they offer for getting friends and family to join is also a big plus. This was for sure one of the best choices in regard to choosing a bank to have my income deposited into. I have literally zero complaints. Not to mention they are able to block specific transactions from ever getting access to my money. Which is for sure second to none. I highly recommend anyone who values every penny they work hard for to sign up. For sure in the world we live in where anyone can find and get ahold of your info and snatch your hard earned money from you. Not even the big name banks like chase for example could hold a candle to Chime. And this is coming from a disabled combat veteran who values the protection of their country, let alone their money. 5/5 all day. Keep it up Chime..Version: 5.301.0
Great bank BUT! These boosts!Great bank! Lots of fantastic and helpful features to take advantage of and the best part! No fees at all! Such as Credit builder account that increases your credit by letting you use a credit card with your own money preloaded into the account. Can’t overspend and you don’t have to worry about missing a payment. And my favorite that I used the most, Spot Me! It’s just a little extra money there incase you ever need it. And they don’t charge you a fee to use it. Your deposit pays it back immediately on your next payday and then you have it there if you need it again. Buuuut there’s one thing I’ve very strongly disliked from the very first time I used it. The monthly boosts. My very first time sending a boost to a fellow Chimer I thought it would be short sweet and simple! They said they would boost back, I said ok figured out their chime name, sent the boost and I’ll be darned if they didn’t just disappear and didn’t boost back. Like what??? My fault for trusting someone I don’t know but the boosts bring out the real unpleasant in some people. Also it’s exhausting trying to find 4 people at the first of every month that you think you can trust but have to tell them “you first” before they say it to you. I just think it isn’t necessary. And if I’m wrong and it is important in some way for the company, then I’m certain there is a better way to do it every month. A way to prevent honest people from getting ripped off so easily. Anyway! Sorry for such a long review!.Version: 5.147.0
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
Fantastic app, terrible customer service.Chime is an exceptional banking app that goes a long way toward helping you efficiently manage your money. It offers a plethora of utilities and convenience features such as overdraft protection and MyPay, as well as ensuring you get paid as early as possible which, in my case, has never been any less than three days early, the only detriment is that their customer service is some of the worst I’ve ever seen. Right up there with USPS. The new “AI” assistant they developed is singularly the worst I have ever seen. It will do everything in its power to prevent you from speaking with a person and will constantly spout its desire to help you while promising to transfer you shortly. Sadly, their human support isn’t much better. You may occasionally get a good one but generally it’s frustrating and a waste of time. I again like to reiterate that the app itself is absolutely spectacular. For, finish, features, etc. above reproach. If you have zero issues, then it’s an easy 5 stars, but if you ever need to contact a support rep then god help you. Edit: the customer service seems to have improved somewhat so I added a star, unfortunately their mobile deposit ability is terrible for any amount over $500. Normally you get your money instantly but if you have a large check then the hold it for the maximum amount of time they can which is 5 business days or a calendar week. That’s pretty abysmal for the average person so I had to knock a start..Version: 5.314.0
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
Features unavailable and inconsistentI have been a loyal Chime customer since 2021 I believe, not long due to my poor capacity of access to technology at the time. Yet I am extremely thankful for an online banking service such as this, unfortunately the feature "virtual cards" which can be added to your iPhones Wallet app will not add when need to, and/or the virtual cards added to Wallet when apps allow to communicate I suppose, randomly they will be removed or unavailable. Issue with Chime app with virtual cards AND physical card settings, when select show numbers of either credit or debit also physical and virtual card information won't show ever, this has never worked properly and on the image of said cards, in red font reads something like, Temporary Unavailable (not exact verbatim, but these words are shown) no matter if the cards are added to iPhones Wallet app or not added to app. I don't quite understand why these features are "available" to utilize, yet I haven't used either feature, virtual cards in iPhone Wallet app nor Show Numbers or Information of said cards within the Chime app won't allow to view card details. I have mentioned this to Chime support, which seems like every "support agent" is programmed a specific way and can only assist, provide feedback, or escalate the situation only so far and then forgot about or never followed through with for a resolution. Either the developers of Chime app or Apples Wallet app needs to kick your Artificial Intelligence into high gear. Thanks in advance..Version: 5.296.0
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
It got better after the updateChime has helped my credit SO MUCH with their credit builder app it has gone up over a hundred points and this is after my credit tanked when I couldn’t pay my student loans. It may not help everyone depending on your history and you got to stick to it and keep using it. I noticed my credit already capped out and isn’t growing anymore so you gotta pay your debts! The new update is amazing! It tracks how much you pay in bills every month, how much you’re making, it tracks and shows you your credit score and the day you’re getting paid and all information is right next to your money amount and all details accessible with a click. Unfortunately I don’t trust a non existent physical bank to hold all my savings so I transfer all that to another bank. They make bank transfers easy and free. They don’t have any fees AT ALL. I don’t think I’ve ever paid them for anything. Over draft has no fees. They do ask for tips when you pay back the overdraft but that’s up to the user. I do feel like I owe them for how much they’ve helped me so far”maybe” I’ll tip them one of these days haha. Overall the detail and the easy use of this app is amazing next to any other bank it’s not even a comparison the Chime app is levels above any other Banks app maybe because the app is the bank..Version: 5.284.0
Refreshing Banking ExperienceI recently had the pleasure of trying out Chime Banking, and let me tell you, it was an absolute blast! From the moment I signed up, I knew I was in for something different. Chime Banking brings a fresh and exciting approach to traditional banking, and it's a game-changer! Their mobile app is sleek, intuitive, and super easy to navigate. I felt like I was in the future, effortlessly managing my finances with just a few taps on my phone. The app design is not only aesthetically pleasing, but it's also incredibly user-friendly, making my banking experience a breeze. One of the standout features of Chime Banking is their early direct deposit. Who doesn't love getting paid earlier? With Chime, I received my paycheck a couple of days in advance, and it made me feel like I had a secret advantage over everyone else. Talk about a mood booster! Another feature that won me over was the lack of hidden fees. Chime Banking is refreshingly transparent and upfront about their fees, or should I say, the lack thereof. Say goodbye to those annoying monthly maintenance fees and overdraft charges. Chime truly has your back! Plus, their automatic savings feature called "Save When I Get Paid" makes it effortless to build up savings without even thinking about it. Overall, Chime Banking has turned something as mundane as banking into a fun and enjoyable experience. With innovative features, a user-friendly app, and a customer-centric approach, Chime Banking has won me over as a loyal customer. If you're looking for a hassle-free and exciting banking experience, look no further than Chime Banking!.Version: 5.185.0
Do NOT deposit mobile checks to this bankI 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!.Version: 5.182.0
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
How ALL banks should be!Chime has been a God send for me. Just like most people in today’s economy, I live paycheck to paycheck and am happy for all the ways I can save a few dollars here and there. Chime has a type of overdraft protection called “SpotMe”, except it’s not like any other overdraft protection from any other bank. They don’t charge me if I accidentally overdraft a few dollars. As a matter of fact, they give me a certain limit I’m allowed to overdraft every week, and because my check is direct deposited, they just subtract that from my deposit when my check arrives TWO Days Early. On top of that, they have a small loan I can get if I’m ever in a situation where I’m trying to get a bill paid, but it’s still another day or two before my payday. If you’ve ever had to struggle to pay bills every week and month, and you’re constantly being late on one bill just to try and pay a more important bill first, or you paid all of your bills but had to use grocery money to keep the lights on, then I’d say Chime is the way to go. They have everything a regular bank has except the need to charge all the exorbitant fees of a regular bank. The only downside to Chime is the lack of actual brick and mortar buildings, but if you’ve had to be creative when it comes to keeping the lights on and the fridge not entirely empty, you can definitely get by without having a physical location in your area. I Love everything about Chime. They’ve helped me just as much as a regular bank has put all my pending transactions in a different order than I made them, usually from highest pending to lowest, just to get more overdraft fees. Chime is the way to go! I’ll forever be grateful for them..Version: 5.241.0
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
Chime will change your life!!I personally have never been super great at finances or money management. I tend to be impulsive and have trouble sticking to a budget. While I have gotten a lot better as I have gotten older, I still found myself getting sucked into the overdraft fee cycle and the bank always seemed to end up with more of my money than I did. THEN I GOT CHIME……and my financial struggles went away. I no longer owed a ton of fees every time I got paid. If for some reason I was a little short between paydays Chime will Spot Me a few bucks til payday and then let me choose if I can afford to tip them for the help. The tip is a small percentage of what they spot me ( a few dollars) compared with the automatic $28 fee from my old bank and it is one tip no matter if they spot me a couple times. It’s one of the little things that make Chime the best, especially for those of us living paycheck to paycheck. The Chime app is amazingly user friendly and gives you all the info you need plus the ability to pay friends without having to set up a whole other app. I could go on and on about all the great features that Chime offers, but what you need to know is you will never miss that old brick and mortar bank you currently use. Those guys are in the business of taking your money and you need to move over to the guys who help you keep all of your money. I have a checking account, savings account and credit card with Chime so I am not missing out on anything by not having a bank with a building to walk in to. I can use the ATM and deposit checks no problem. So what are you waiting for??? It’s your money and your bank should be helping you hold on to it instead of taking it from you..Version: 5.87.0
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
♥️ Love Chime ♥️UPDATE: It’s been a year now. My opinion on Chime has not changed. With my credit score dropping to a high 400s, I was in dire need of help. I’m now at 650. I’m not a big fan of the scoring game and think it’s unfair for these big companies to have the ability to yank huge points from your score and in return they give you 2-7 points when you’re obedient to their ways lol. With Chime, I’m using MY OWN MONEY to build my score and we love it. I’ve gotten 2 unsecured credit cards since building with Chime recently. By the end of the year, beginning of next, our next step will secure a mortgage loan. My advice to whoever reads this is to be patient. Give Chime a year and they’ll give you what you’re looking for. Thank you Chime. You’ve restored my faith. We’ve been with Chime for about 7 months and have seen our credit shoot up to about 60 pts. That was the whole purpose of getting this card. Don’t get me wrong, I was evasive at first and thought it was some kind of scam until I read some of the reviews and decided to take a chance. That was the best move I ever made. I don’t share the same negative experience as others. In fact it’s quite the opposite. No bank fee’s? Love it! FREE overdraft? Wow! Paycheck deposit 2 days earlier? Thank you! Credit boosting? Yessss!! Spending updates in real time? Exactly what we wanted!!! Being in control of MY money, the way we use both the Credit and Spending card and saving at the same time? Amazing! And the best part of everything? I’ve learned to trust Chime and received my Metal card around 1-2 months in. Yah buddy!! Thanks Chime, you helped us regain the confidence and trust that our previous “bank” stole from us..Version: 5.118.0
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
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
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
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 App!Chime is widely considered a better banking app because it eliminates most traditional fees, offers early paycheck access, and provides user-friendly tools for saving and building credit. Unlike many banks that charge monthly maintenance fees, overdraft fees, or require minimum balances, Chime is built around fee-free banking, making it more affordable and transparent. Customers can access their paychecks up to two days early with direct deposit, and Chime’s SpotMe feature provides fee-free overdraft protection up to $200 depending on account history. It also gives access to over 60,000 fee-free ATMs nationwide, supports automatic savings through round-ups and transfers, and offers a secured credit card to help users build credit without fees or interest charges. Designed as a mobile-first platform, Chime provides a clean interface, real-time transaction alerts, and easier account opening for people who may have been denied by traditional banks. While it has limitations—such as inconvenient cash deposits, no joint accounts, and a relatively low 0.5% APY on savings—its strengths in affordability, convenience, and credit support make it especially appealing for younger users, families managing tight budgets, or anyone frustrated with hidden fees at traditional banks..Version: 5.304.0
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
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 Fan Girl 💚Where to start... it's an awesome banking option! Even though I still keep a Wells Fargo bank account for certain purposes ... I primarily use my chime account! I get my pay check direct deposited through chime and to no surprise my pay check posts to my account promptly every other Friday morning bright and early! I get it two days early which I absolutely love! It helps a lot! I also love the new over draft feature when you use chime regularly... it's called 'Spot Me' there are no over draft fees... they DO give you an OPTION of giving a 5-15% tip to the spot me program for there services.. which you can choose not to tip as well, but uI of corse don't mind tipping at all because it's so helpful and convenient when I've had a rocky month paying bills! It gives me just a few extra bucks if I really need it! They also have a program where if you get your direct deposit through chime and it's over 200 dollars and you refer a friend to chime who also does a direct deposit of over 200 you will receive 50$ and so will the friend you refer! It's definitely worth trying out! I myself highly recommend chime! The only issue I had with my Chime account was for a very short period there was a crash on their end which didn't really effect me personally when it came to using my card, but the app was down during this time and I couldn't see any of my transactions, balance, ect. BUT as expected they had everything updated and working again in no time and I haven't had any trouble since! Give it a try you guys! I mean who wouldn't want to try an interest free bank account ... and get there check two days early plus earn cash along the way? Kind of crazy not to try it out! #teamchime.Version: 5.25.0
Chime has been really good to meWhen I first started chime I was wary. I joined because if you have a qualifying direct deposit account you can be paid up to 2 days earlier. I still don’t get this and I am paid at best one day early and the money clears at all different times. They say it’s my jobs fault but I already talked to my job and they do the same thing every week. Besides that Chime is amazing. I can track every purchase that happens instantaneously. I lost my card and I was thinking about getting a new one and I seen I can turn it off so know one can make purchases on it when it’s missing. I have had to replace my debit card a few times because the RFID strip deteriorated but I have always been able to use it because of the chip. When you get a replacement card you can use your current card until your new ones arrive and you cannot do that with netspend or some of the other cards. There are no overdraft fees instead there is spot me which I didn’t like at first because it was only 20 dollars but it periodically goes up and now it’s a pretty valuable thing and it’s free because you are technically not overdraft if your card. The credit builder card helps me build credit and I used it to rent a car as a deposit and it did not count as a debit transaction because it’s a real credit card that you can move money within seconds. If you have bad credit and cannot get a credit card but still want to travel this is 100% what you need. I would not be able to travel without Chime because you need a credit card to rent cars and check into hotels. They may let you use a debit card but will hold your funds for 30 business days after you check out. This will never happen with your chime credit card I really can say I would not be able to travel without it!!!!.Version: 5.90.0
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
