Chime - Mobile Banking

Chime - Mobile Banking [Finance] App Description & Overview

Chime is mobile and online banking with no hidden fees: get your paycheck up to 2 days early* with direct deposit, have fee-free overdraft when you’re in a pinch, grow your savings automatically, and manage your finances like a boss using the highly-rated Chime mobile banking app.

When you bank with Chime, you get a Visa® Debit Card, a Spending Account, and an optional Savings Account to help you save money.

Applying for an account is free, takes less than 2 minutes and it won’t affect your credit score!

Here’s what our members love most about Chime:
• Get your paycheck up to 2 days early* with direct deposit
• Fee-free overdraft.** We’ll spot you on debit card purchases with no overdraft fees.
• No hidden fees: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
• Over 38,000 fee-free ATMs with Moneypass and Visa Plus Alliance
• Real-time transaction notifications
• Daily balance alerts
• Block your card instantly in-app
• Grow your savings automatically with our Savings Account
• Send money instantly with Pay Friends to other Chime members.
• Deposit checks using Mobile Check Deposit for eligible members.^
• Apple Pay™ / Google Pay™ for when you forget your wallet
• Move money between your other bank accounts
• EMV chip card security
• Friendly and responsive customer support

With the Chime mobile banking app, you can stay in control of your money. Track your spending, link your other bank accounts, and save money.

How to switch banks:
• Step 1: Open Your Account: Download the app and sign up. Once approved, we’ll send you your Chime card within two weeks!
• Step 2: Fund Your Account: Set up a direct deposit with your employer or payer to have funds deposited to your Chime account every payday. You can also connect other bank accounts and transfer funds from your existing bank account.
• Step 3: Update Bill Payments: Activate your card when it arrives, add it to Apple Pay, and set up recurring bill payments with your Chime card number or with your Chime Spending Account and routing numbers.

For more information please visit

***Learn how we collect and use your information by visiting our Privacy Policy at***

Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. Debit card may be used everywhere Visa debit cards are accepted.

*Early access to direct deposit funds depends on the timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
**Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history and amount, spending activity and other risk-based factors. Your Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your Limit. Your Limit may be increased or lowered at any time by Chime.
^Not all new or existing customers are eligible to use Mobile Deposit. There are qualifications and enrollment requirements for participation in Mobile Deposit, and we reserve the right to change the qualification and enrollment requirements in our sole discretion at any time without prior notice. We may require you to upload a picture of your driver’s license or other identifying documents prior to using Mobile Deposit. Eligibility requirements can be found online after you have signed into your Spending Account.

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Chime - Mobile Banking Customer Service, Editor Notes:

You thought we were going to say "minor performance improvements and bug fixes", but NOPE! We've got... um... bug fixes. And... improvements. To performance. It's worth it, we promise!

Chime - Mobile Banking Comments & Reviews

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I have banked with suntrust and Wells Fargo through my early financial years I started banking and I was 15 I believe under a joined account with my mom after being a irresponsible kid and over drawing my account countless time paying fee after fee I was tired of regular banks and that’s where chime came in they are absolutely amazing cute little features like telling me my balance in the morning with emojis 😹actually allowing for overdraft with a feature called spot me it allow you to overdraft up to$75 with no fees for when your like one day away from payday and you need some gas to get to work or just a extra cup of coffee to get your morning going chime literally has your back I would definitely recommend the app to any young people who want to start banking that may not have a lot of experience budgeting, saving , or spending money in a bank account they send you a card that is compatible with Apple Pay which makes it so convenient and user friendly their customer service line is always responsive and very nice if I had to change one thing with chime it would be to add a feature to be able to search for through your transactions and maybe add Zelle to the app or a feature that would allow me money directly from my bank account to other people who don’t have a chime account without having to use cashapp or PayPal other than that they are doing totally awesome

- Pretty good, takes too long to transfer money though

I really do like this app. I am one that hates banks and how they allow accounts to go over then charge people overdraft fees. It’s literally taking money from people who have none and that should be a crime. Chime doesn’t do that and they actually do prioritize their customers. I think this is a revolutionary app for banking. I hope it picks up traction and changes how banking is done completely. The direct deposit is fantastic. You do get your money early thanks to Chime and it definitely helps. They also have the “round up & save” feature for people who struggle to save money. My only problem with it is that it takes far too long to transfer money. Like a week to transfer. And they have a very small daily limit for transferring (like $200). It can become frustrating when I’m trying to budget my money by separating bill money from spendable money. They keep saying it’s just the banking system, and I know they must have to make some sacrifices in order to be able to provide such great services without all the fees banks drop on us. I just wish there were options to pay a fee for an instant transfer to your bank like Venmo or Ca$h App. I’m sure with increased popularity eventually somewhere along the line of updates will be an option for instant transfers. It just doesn’t exist now.

- 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!!

- Happy customer!

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

- 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.

- Customer Service

The app is great. It’s banking with Chime that sometimes really annoys me. They have really great features with the overdraft protection and it being completely free no fees. But i honestly dread calling chime to get any issues resolved. The people in SF who answers the phone are always pleasant and knowledgeable! When i get someone overseas i always find myself repeating myself. I have had to escalate and speak with managers but people are refusing to connect me with their supervisor. I always end up having to hang up and call back to just get some help. The claims department haven’t really been helpful at all. I keep getting charged for stuff and no one is able to provide me with an explanation and i am trying to block certain transactions that i never authorized and no one is ever willing to understand what i am trying to say or help. The customer service is HORRIBLE! I don’t get why i have to repeat myself being transferred from person to person then they ask me how i can help first then ask me to verify myself. I wish they just verify people first then all focus can be on helping me. By the time I’m done verifying they always make me repeat myself and then I’m irate. Please work on customer service and verify people FIRST and make sure people overseas work on requests and how to respond to people. They come off extremely rude ! I want to file a complaint for how i have been treated.

- Best decision I was forced to make!!

Unfortunately due to a career loss, having to start over and struggling financially for 3 years I had no other choice but to file bankruptcy. I was told by my legal counsel that the bank account I had would potentially freeze my limited funds because one of my credit cards was linked to my checking. They encouraged me to seek a new checking account so I could maintain what money I had. Because my credit was now poor, I was denied by two other banks a checking account. Most big banks now run your credit along with Check Systems to deem you a desirable customer. I researched my options and found Chime on a tech blog. I’m so very glad I found it! It is no frills checking and savings with a super simple app. It’s a traditional debit card in every sense. It’s Visa so you can use it virtually anywhere! Get cash back with groceries. Tons of ATM’s through money pass with NO fees! I know it may not be for everyone, but if you are sick of big banks and all their fees and tactics, I encourage you to give Chime a try. I’m very grateful to have an option like Chime. It saved me a lot of grief at a time when I’m already feeling insurmountable pressure.

- Liars

They do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45.

- Great so far!

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!


Do NOT OPEN AN ACCOUNT WITH CHIME!!!! Go to local bank that have real walk-ins and actual have real people you can speak with face to face. I requested information on a transaction that was made and they decided to rather give me more information about the transaction they deactivated my card. I never gave them the agreement to close my card. I found out the hard way while i was shopping and trying to purchase my itmes and my card was declining. I called customer service multiple times to tell them that it was an error from their side. I requested a temporary card and THEY DO NOT GIVE YOU TEMPORARY CARD AT ALLL!!! You are stuck waiting two weeks for a new card to come! You can not even take out your money and they lie to you by telling you can transfer your money to another bank for “easy access” but once i link another bank and try to move my money, my money disappeared!!!! They lost my money and its not in my chime account and its not in my other bank account. Talking to customer service is the worst, they will just transfer you to another department and ask you the same three questions because they themselves dont know what they are doing. Worst bank ever! They dont help you when you need help! They dont value you as a customer! I SUGGEST you open an account with a local bank that gives you Temporary cards while your card is being shipped out.

- Very Happy I switched to Chime

I’m loving my Chime account. Having all the functions easily accessed on my phone has allowed me to manage my money more efficiently and monitor expenditures in real time. The absence of high fees is wonderful. I love both the ease of transferring money between accounts as well as the Spot Me feature for months when the budget is very tight. Although ATMs that recognize the Chime card are not very common, I haven’t found that to be a drawback; I rarely carry cash at all anymore and haven’t missed it. I don’t miss having a checking account, since on the rare occasions when I need to pay a bill by check, I can do it through the Chime app for free. The only drawback I’ve encountered is that some businesses, particularly those that only exist online, do not recognize the Chime routing number. I’ve been able to find workarounds for all but one of them. I don’t know the reason they won’t accept payments from Chime, but hopefully Chime is working with those entities to remove whatever barriers exist. I highly recommend Chime. It’s more convenient and has saved me money over the months I’ve been using it.

- Chime, the modern answer to an age old system.

Starting off, I opened a Chime account because I started traveling with work. I was dealing with a brick and mortar bank that really wasn’t able to do the things I needed being away from home. Apprehensive at first I set my direct deposit up and turn on both the roundup savings feature and the 10% saving feature. It has made saving mindless and reflects in your balance instantly. My FAVORITE feature about chime though is its statements. It, well pretty accurately categorizes your expenses and you can see what amount of money goes to what each month. This is huge. It really does bring some spending habits to the front and center. One thing that is heavily advertised is the ability to get your check credited two days early. I can attest to that, it happens every week for me. I signed up to see if it works and have now got accustomed to it, and it has come in handy with having to drive sometimes across the country at a moments notice. Overall, I have had a very good experience switching to Chime and look forward to banking with them for many years moving on!

- Innovative and valuable

I’ve had an account with Chime since they began. And I have yet to have a complaint. The app is kept updated and runs very smoothly. I like the auto savings feature. I do wish there was an interest gathering savings and more banking features like loans etc but it’ll come I’m sure. Many companies have followed Chime to online banking (which I believe will take over banking and do away with brick and mortar banking eventually)but none of the others are quite as well established. I’ve referred many people to chime and they’ve done away with their banks and rely solely on chime too. I haven’t seen rewards and bonuses lately like once would surprise me. But there are offers and a few discounts available. And I dislike how I have to enter my pin every time I move away from the chime screen. Even to go back n forth to copy/enter routing number account number on another app and go back to chime, even when I didn’t close it out. But it’s fine also. Their customer service is outstanding. And security has never been an issue. I have nothing negative to say about Chime.

- Services have improved

It used to be such a hassle to use a home, getting a new card — they wouldn’t expedite a new card, and since it’s an online bank, you were screwed until it came. And customer service, multiple times, when asked what recourse I had would say, “it’s probably a good idea to keep a back up bank account.” But now, they’ve gotten a lot better about the process of getting a new card reissued. They now accept mobile check deposits, at least up to a certain amount. And the Spot Me feature they’ve just come out with is really cool, since Chime doesn’t usually work with the other apps that will front you money when you need it. Also, there’s no withdrawal limit on ATMs which is really cool. It looks like they’re finally starting to get their act together. The only thing I’m still annoyed by is that my card is issued in my nickname, so if I get a check written out to my legal name, they won’t cash it. Other than that, they’ve fixed most of the issues I used to have with them. I appreciate it!

- False advertising

I’ve been a user of Chime for over a year now and I wish I could be pleased with this company. The $100 limit for SpotMe is impossible to attain no matter how frequently your paychecks come or the amount they come in. I’ve been a faithful repaying customer in SpotMe over the last year and my limit only reached $45, then fell to $20 when I lost my job due to Covid. I referred over five friends who signed up for chime through my link. The link my chime app gave me was faulty and didn’t give me proper credit for the incentive, so I forwarded Chime plenty of screenshots and emails proof so that they would see I was the reason for those new users and get the incentive. Chime did not apologize for the faulty link, did not accommodate any type of manual incentive, and the agents who responded closed all of my issues and told me they couldn’t do anything. If you have any type of issues with SpotMe or the friends incentive, chime agents can do nothing for you. They give you long wordy excuses about how there’s many factors involved and how nothing can be done and close their issue. What’s the point of having representatives if there is nothing they can do, even to keep a loyal customer. This company is a scam, go to a trusted bank if you want to see them follow through with advertised benefits because this isn’t for you.

- Convenient, gets the job done.

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

- I don’t even know they have 4.8

You are the worst! All of you should do yourself a favor and dip out ASAP. I am dealing with a fraud and it is taking more then 60 days for them to complete. Every time I try to get a hold of them they keep telling me 45days on the 47th day and 45days after. Always 45 days. They refuse to return my funds and never have a live representative to talk too. Their Resolution department does not have a phone number and refuses to talk to anyone. Their HORRIBLE. I just went out and got a new bank account. This bank can ruin someone’s life with all the loop holes you have to go through if 1 thing goes wrong. You have no protection on your card and info. Good luck if your trying to speak to someone who speaks proper English. Your dealing with someone else’s money you should know how to talk so they understand. I was also lied too and told by A representative that I would have my money back into my account on November 30. I saw that it was never there so I called back and was told again, 45 days. I will never use them again. I had the case reopen and been waiting with PROOF and all. I refuse to put any money into that account until it’s solved. But I just went out and got another bank account that is much better. Do yourself a favor don’t deal with the hassle and get something that will protect you.

- No Chime card after date given

If I don’t receive my Chime card by Monday. Chime loosing a new customer and customer service is down how. Very suspicious things with Chime that puts red flags now. I’m stepping out on faith by joining. Now I’m regretting the whole account I opened and also did the direct deposit which makes thing even worse for Chime. I give the lowest star until my card arrives and I am able to get my money. The customer service is rude I talked to a supervisor name Sylvia she says they can’t expedite mail why not. Every prepaid debit card company has that option. Yes I reported them to the better business bureau FDIC and other accredited agencies. When it comes to my money I can careless. They playing like they can’t track it or see what’s going on I’ll just give a boost and a push so Chris, Chime CEO please expect a lawsuit from me due to this matter. I don’t care about who doesn’t like this review neither. So Chris, CEO get me money now to avoid it or just deal with it. I’ve made police reports about this matter. The AHC or ACH options seems to me as not an option but they will send the link. Chris, CEO you will be hearing from my lawyer. CEO Chris I’m taking this matter to the press today at noon. It’s ten days later no card and Chime can’t expedite another card well I’m going to explain everything to the news press today at noon.


This was the first time I opened an account at a bank I could not physically attend. This was a brand new account. Decided to have our refund deposited into it. BIG MISTAKE. They started asking for proof of refund which we sent. They pushed the funds through. We had access to the funds in the account for over 2 weeks after the fact....Then, I try to log in to check the balance and pay a bill...account suspended. The only explanation I was given is that something (that something could never be fully explained) was falling outside of their banking terms? They asked for a bunch of other info (License, SS cards, Utility Bill) to unsuspend the account. I’m like REALLY?? Can someone tell me what is happening? Nothing. Me thinking it’s just some kind of misunderstanding I sent in the necessary documents and still no answer. I’m now feeling like my money is being stolen and we’re being defrauded! They have over $2k frozen that we can’t get an answer as to why! I’m so upset I could cry. I have no idea what happened, I’m getting no explanation and I’m in the process of seeking an attorney! This bank takes people’s money and suspends accounts for no reason and provides no explanation. Do not trust them with your money!! 8 years I’ve done the same transaction with my regular bank and I’ve never had this issue. NEVER.


I opened a Chime account after seeing it was so highly rated. Big mistake. I had $450 deposited into my account. The terms say that you can do one transaction before you get your debit card. Not true. I emailed the company to ask why I was not getting my one transaction. They kept sending me the same response that had nothing to do with my question. I tried transferring the money to my PayPal account. I’ve verified the account with PayPal. Chime still would not send my money to me. Or to my PayPal. I bet I sent them over 10 messages. And then all of the sudden I get an email saying that my account has been closed. With no mention of the $450 that I deposited. If you were looking for a quick alternative to PayPal, this is not the answer. You never get to talk to live person in customer service. What a joke. I wish I knew how to file a complaint with the Better Business Bureau. I wish that I could post screenshots of the conversations I have had with their “customer service”. What a joke. They’ll take your money (instantly), freeze your account (30 days except they’ll tell you you can have one transaction which isn’t true), then they can close your account for any reason they deem okay. To top it off, you’ll have to wait 30 days to get your money back. (In the form of a check.)

- Don’t bank here- zero stars if I could

Chime has some of the worst customer experience, and that’s compared to notoriously bad companies like Bank of America. I closed my account to quickly after I requested all my funds be transferred out, and so my bank kicked them back to Chime, who had already closed my account. I got an email saying I needed to provide a written statement from my bank, into why the transaction was sent back and a list of other identification items in order to re-open my account. I’ve called three days in a row now to try and avoid having to do that. The first person didn’t know I could re-open and account and said I had to wait 30 days for a check for the amount that was kicked back. I asked for this in writing in an email that never came. The next two times I had the same conversation, each time being told a check would come and an email confirmation would be sent, still no email. This bank is a fraud and uses the ridiculous “perk” of getting paid not two days early, but usually 1 day before payday (it’s up to two days early, so no guarantee that happens, mine was only one). That does nothing and I would rather get paid on a normal cycle then have my bank make it impossible to get a straight answer and give me my money back.

- Beware!

It sooo easy to get caught up in the whole getting paid two days early thing but other than that.. Chime is pretty much a joke. They’re WAY too relaxed when it comes to your money and take pride in dragging their feet with everything they do. I called Nov 8,2018 for a dispute and a month later after their Customer Service rep said that he had taken care of everything, I had yet to get my money back. After spending days trying to get a human on their customer support line I was told to use the app for my issue. Why have a customer service number if you don’t want people to call? I also lost my card Dec 10 and have yet to even see my new card. My account has been locked for almost a month now. When I call, I get the same generic answer “Your card should arrive in 7-10 business days.” Again... it’s been almost a month. At this point, I’ve already transferred all of my money to my new bank account elsewhere and I’m not thinking twice about closing out this card. Be careful if you’re tech savvy as well, The whole communications and control of your account through the app seems promising at first but given this company seems to be more for show than doing their actual job you may benefit the traditional banking like Chase or TD Bank. Hope this helps!

- Worst EVER

You are the worst! All of you should do yourself a favor and dip out ASAP. I am dealing with a fraud and it is taking more then 60 days for them to complete. Every time I try to get a hold of them they keep telling me 45days on the 47th day and 45days after. Always 45 days. They refuse to return my funds and never have a live representative to talk too. Their Resolution department does not have a phone number and refuses to talk to anyone. Their HORRIBLE. I just went out and got a new bank account. This bank can ruin someone’s life with all the loop holes you have to go through if 1 thing goes wrong. You have no protection on your card and info. Good luck if your trying to speak to someone who speaks proper English. Your dealing with someone else’s money you should know how to talk so they understand. I was also lied too and told by A representative that I would have my money back into my account on November 30. I saw that it was never there so I called back and was told again, 45 days. I will never use them again. I had the case reopen and been waiting with PROOF and all. I refuse to put any money into that account until it’s solved. But I just went out and got another bank account that is much better. Do yourself a favor don’t deal with the hassle and get something that will protect you.

- It’s ok!

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

- Warm and Fuzzy Feelings for a bank!

Their slogan is “banking as it should be” and it really is. I made an account here in a whim and didn’t activate my debit card or put money in the account for a while after I had it. I totally regret that now! I’ve been using my account for around a month now and Chime is just so amazingly helpful. The app makes me feel so much more in the know and Chime as a bank does make me feel financially cared for. Sending alerts that easy/quick to read, even including little emojis, something you wouldn’t think would make much difference right? It does. Little details like this (for me anyways) made it so it’s not as scary or daunting to get alerts where with other big banks I would turn them off. Another sweet little thing is if you go to a restaurant or salon, somewhere where a tip is required, as soon as the merchant swipes your card you get your update but Chime includes what the 15% tip would be. So simple, such a huge difference. Gah they give me all the warm and fuzzies. Making banking and finances so approachable. Love this.


I absolutely love Chime! I’ve had a few B&M banks in the past and they’ve never been for me, with a fee for everything and a charge for little things, it’s was a nightmare for me. I went without a bank for a couple years and then I found Chime! They have been by far the best banking experience I’ve had and not having a B&M bank is absolutely no problem in fact I like it better, everything I do on my account is in my hand and there’s no fees for the little things, in fact there no fees at all! Unless I use an out-of-network ATM, which isn’t a huge deal because I’m not being charge for everything else. Basically, I get my paycheck 2 days early, I can transfer my cash to wherever without a charge and SpotMe is AMAZING! Oh and also.... Chime Credit Builder! I can build credit using this card almost like a secured credit card and there was none of the hoops to jump through and again NO FEES, just transfer from my existing account and use the card like a credit card.... it’s that simple! Thank you, Chime!!

- Stay away if you value your money!

I attempted to withdraw funds from my account. My hard earned money. The ATM did not authorize my withdraw, even though I had 4 times the amount that I was trying to withdraw available in my account. Only seconds after the ATM denied my withdraw, I get a notification from Chime that I withdrew that money. Chime told me to wait until the merchant (owner of the atm) settles the transaction, meaning I have to wait until the transaction is no longer pending, and my money would be available in my account again. 2 days later the transaction was no longer pending, but of course my balance was not restored. So my money is lost in cyber space. I had to file a dispute, it could take up to 45 days for me to get my money!!!! And the customer service rep had the nerve to tell me that I’d only get my money IF they found an error was made!!! Um... I attempted to withdraw money from an ATM, I didn’t get any money, and you subtracted it from my balance... OBVIOUSLY there is an error! My money has basically been stolen by 1 of 2 banks and I believe the problem to be with Chime because SO many chime customers are having the same problem! Something is definitely not right with Chime! Stay away!!!! Unless you don’t value your hard earned money. I repeat STAY AWAY FROM CHIME!!!

- Do not open an account with these people

Do not do “banking” with Chime! Mind you this was an account I opened to use sort of as a savings/emergency account. I called to ask about a simple account transfer that I don’t even remember making and the lady told me it would take 2-3 days to show up in my Chime account after it was already taken out of my original bank account. I don’t even remember transferring from one account to the other in the past 2-3 days! They’re also telling me there’s nothing they can do to stop it and my other bank is unable to stop it either. Now I have $100 floating around somewhere out there but it’s definitely not in either one of my accounts. I will definitely be trashing my Chime card and cancelled this scam of an account after I get my $100 back. Please do yourself a favor and do your finances with actual financial institutions. Don’t let the whole “get paid 2 days early” sucker you in. You never talk to actual people when it comes to “customer service” and we you do they don’t know where your money is or what is going on with your account. It was a mistake even opening an account with these people. I’ve never had this much trouble with any financial institution until I started doing business with these people.

- Simply the Best

Chime is the best bank out there right now. Absolutely no hassle or stress. When issues have come up, like fraudulent charges, they got back to me immediately...and replenished my account BEFORE they investigated so that I wasn’t left penniless. Check deposits and cash deposits are super easy. Customer service is almost immediate. I’ve lost my card and damaged another; they sent me replacements in less than a week. They have lots of rewards and sweepstakes and fun stuff happening all the time. And they fronted so many people’s stimulus checks! How nice! I’m a HUGE FAN and honestly will never go back to traditional banking. Ever. Oh! And if you ever overdraft they will cover it, plus $25!! Then you can tip them or not. No fee! Other banks charge $35-45 each time you overdraft, and for each pending charge. So you can end up hundreds of dollars in the negative before you get paid again. Not with Chime. They got you. AND I HAVE A CREDIT CARD AND SAVINGS ACCOUNT CONNECTED AND MANAGED SEAMLESSLY WITH MY CHECKING ACCOUNT. I want to hug Chime. LOVE CHIME. Chime for the win! Chime for life!

- Highly recommend to ANYONE

I absolutely love Chime! Opening an account was one of the best things I’ve done. My two favorite things about chime: 1. The round up feature that automatically rounds your transaction to the nearest dollar and puts the remainder in your savings account. You don’t even realize it’s happening until you have a good amount of money in your savings account that you didn’t physically put in there. 2. GETTING PAID EARLY!!!! Yes, it’s true! You do get paid early! Depending on your employer you may get paid one day early or even two!! Chime has made it very simple to get a direct deposit form/find you account & routing numbers. You also get $50 for referring someone who receives a direct deposit total of $200 in 60 days... which is pretty easy. Your referral gets $50 too! There’s ATMs literally EVERYWHERE that you can grab cash out without any fees. You can also get cash back at most stores as well. I highly recommend getting a Chime account. I have no complaints whatsoever, only positive things to say! Oh and it’s FREE!!!

- The worst experience!! BE CAREFUL!!

I can’t believe that I was left hanging not only once, but TWICE by Chime’s lousy customer service misrepresenting the company. What’s worse is that no matter what they tell you, no body is held accountable and they say they’re “sorry”?!— well, sorry won’t put food in my mouth for a laughable $500 check that my new job gave me as an advance. It’s only funny because although you were able to verify that I had already received a direct deposit from the exact same company that a (pre-printed) business check from my job, that indicated was an “Advance”, you still decide to hold it for 2 weeks?!?! It defeated the purpose of depositing the check! I was getting paid sooner than when you were releasing it!! I have NEVER heard of an institution or entity ever holding someone’s $500 check for 2 weeks?! The rep lied just to get me off the phone. He promised that they would release the remainder of the check the following Monday. I was misled and after calling back, I was basically told to go screw myself by a manager that didn’t have the decency to at the very least speak up when having an adult conversation with someone. BE AWARE of this joke of a company. If you’re someone that wants to be taken seriously. Try another, better bank.

- Great so far

I have been seeing ads for this on Facebook and Instagram for a while and never really cared since I had a Chase college account and for most of my banking life I had Chase wherever I went and one down the block where I lived. I moved and now while it’s not a far walk it’s the only one near me and now is charging me fees. I figured I would try out chime since I remembered seeing these ads. I read the reviews and stuff about chime and most would good but some were pretty bad like not getting referred bonus and some other stuff. Never had any issues and I got my bonus like literally the same time as my direct deposit of over $200 ( first over $200 you’ll get it after two business days in the fine print ). I get my check about a day early which is nice as well. Also has an optional savings account where you can round up charges and it’s put in there. I also have a lot more banks I can take cash out near me and around where I work now as well which is nice ( mostly 7-11’s)

- Terrible

I’ve had a few different bank accounts & I thought this account would be simple because it’s online, but no it’s the worst I’ve had the account for about 2 weeks and I’ve only had reliable access for a few days because almost every day there’s a service issue. Next they still have yet to send my debit card so I can’t access my money and they have not given me any feasible way to access it within the next 24 hours the only option I have is to wait for another week for my card to arrive which is ridiculously long especially because if I wanted to order a card replacement it would only take 3-5 business days with is backwards how is a replacement card able to arrive before my first original card. I would definitely not recommend this company at all, the way they control their company it seems like a scam, hopefully my card will arrive soon so I can get all my money and close the account immediately Update: My Card was supposed to arrive today and it did not which I expected now I have to wait another week to have access to my money because I needed to order a replacement card this is the worst experience I’ve ever had in my life, and the company does not car please save yourself the trouble

- Definitely getting there

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


Worst experience with a bank thank God I kept my old bank just to try this one out. No customer service at all it’s like everyone is a robot that copies and pastes their responses no help when you need it. There was an unauthorized charge to my account and I still don’t have my money they make you jump through hoops no help from them you have to contact the merchant for a refund and if they don’t refund you Chime will open a claim and take 90 days to give you YOUR money!! Then they say your account was closed in accordance with their terms blah blah they do this just not to refund you YOUR MONEY that they authorized someone to take out!! It’s FRAUD BEWARE The new card takes forever to arrive you have to pay to deposit YOUR OWN MONEY because they have no other option. You can link a bank but hope you don’t need the money you transfer right away NOPE it will take 3-5 business days to transfer from Chime to your bank. It’s terrible the ONLY good thing I have to say was getting my check a day in a half early Wednesday night by midnight to be exact. You don’t ever speak to someone it’s all done through chat and they respond at THEIR OWN CONVENIENCE. STAY AWAY STAY AWAY !! Or sign up at your OWN RISK & you’ll be back here writing a review of your own

- So pleased

I’m in my 50s and I’ve had about 9 different bank accounts, with several different banks. My daughter recommended that I sign up for Chime. I was reluctant to do so, because I have a checking and savings account with a Credit Union, and didn’t think I needed another account. The reality is I didn’t NEED another account, but I couldn’t be happier or more impressed with a bank, than I am with Chime! I absolutely LOVE Chime! I would recommend this bank to anyone! Young or older, you aren’t going to find a better banking service than Chime. The customer service is impeccable, the App is flawless, and the utter ease of using the app and debit card are priceless! They even help you build your savings by rounding up your purchase total, depositing it to your savings from spending account, making it easier and painless to save! You want for nothing more being a customer of Chime. I’ve thanked my millennial daughter several times for her referral, and have zero regrets signing up, only a lot of gratitude!

- My Absolute Favorite

Initially downloaded the app looking through “similar” apps after getting Venmo and Zelle so I could send friends money. Wasn’t really looking for online banking, just wanted something I could put money on every once in a while. I decided to have my paycheck direct deposited. (Honestly because I wanted the black metal card I saw in my email). I shared it to my friends but didn’t get the card. However I ended up falling in love with the simplicity Chime has for its customers. Love that I can pay bills with a check for free without having to purchase a check book, I love Chime messages me everyday to let me know my balances, most of all i LOOVE getting paid 2 DAYS EARLY 😍😁 the modern way I bank because of Chime has me feeling some type of way 😉. Since my first direct deposit I have actually canceled my accounts at my other banks and now only use Chime. I love it being totally online but having the option to get cash if I really need it, without having to go into a dreaded bank and stand in a seemingly never ending line just to feel judged because the person at the counter can see I only have 23cents in my account. NOT ANYMORE!! I get paid before EVERYONE, I can add cash to my account at retail stores, it automatically puts money in my saving for all deposits and every time I use my car. I seriously tell everyone about it when I have the chance. Specially when we talk about payday because I can brag about I get my check two days early.

- Love hate relationship

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

- Misleading information

I decided to try chime out for direct deposit a couple of days ago. I had a paycheck direct deposited the next day, and realized I could not get it out because I have no card. I read on their app that transfers to other chime members are free and instant. I was also told the same thing by an employee on the phone. I tried to do the transfer on the app and It wouldn’t allow me bei had not activated my card. Fine. A customer service member told me I can still do the transfer, my friend and I each have to send an email with our photo ID and other pertinent information. We both sent the emails and waited an hour before I called again to see what was going on. They told me the people in that department seem to have gotten the emails but he said he would put a rush on the case. It has now been 6 hours and I haven’t heard a peep from chime. If you need money ASAP do NOT rely on this app to get it to you. I’ve been told that netspend is much quicker and has an excellent overdraft protection program. If the money comes tomorrow I may update this review. If it doesn’t I’m pulling all my money out as soon as I get a card and closing the account. Do not advertise things that aren’t true instant is not a 24 hour wait.

- EX Bank of America CONVERT! 😍😍

🌈HAPPY ENDING FIRST🌈: Chime is AMAZING. They really have no fees, I can use BOA ATMs, I adore they’re frequent text alerts with purchases and your balance. You can’t overdraw (other than their complimentary “Spot Me” program). 😰THE NIGHTMARE😰: After over 20 years with Bank of America, after thousands of dollars in check fees “monthly maintenance” fees, over draft frees, deception, frustration... I saw s Chime commercial and thought “What do I have to lose?” I had just come from a BOA location begging them to help me reverse 7 - $35 overdraft fees that were not my fault. I had been laid off my last paycheck was mailed not direct deposited; I deposited the check as soon as I realized just a few days after the fact. Something I’d never done, an honest mistake. I was sobbing. I was scared. On top of being without an income, I was $250 in the hole. I was I was a loyal customer for 23 years. She told me no. I was done. 💚CHIME IS THE FUTURE OF BANKING💚 I’ve told all of my friends and family; this is the way to go. Thanks Chime, Jennifer Fenton

- #NoRegrets

This is the best bank I have ever had! Ok, so first off there’s no hidden fees, there’s nothing like maintenance fee, overdraft fee, or anything like that. The bank let’s you get your paycheck TWO days early! If you do overdraft, they have this feature called SpotMe, where they can spot you a certain amount of money before your card gets declined. There’s a saving account here too and it can take part of your paycheck for you towards your savings automatically! The bad thing is, if you wanna deposit money here it’s hard, you have to pay 4.99 to deposit money and you have to go to places like CVS. Also, I think it’s like 4.99$ every 100$, but I don’t deal with cash that much, so it doesn’t affect me. It has mobile deposit too and you can link your other bank to this bank too. Check wise they will mail a check out for you (I wish they would give us a checkbook tbh). Overall, I’m really in love with this bank! I’m never going back to my old one (Ew BoA)!


Terrible customer service. Their app/website is useless. I requested a new debit card on June 3rd through their app (which is how you’re supposed to do it) and on June 16th after reaching out to customer service again, I was informed that the new card request never went through. So now nearly 3 weeks later, I am still unable to access my funds because my old card is “compromised” and the new one hasn’t arrived yet. My only option is to transfer the money to another bank account (which still isn’t instant). This app/bank isn’t really worth the trouble. 1/9/18 Update: After having my card replaced THREE TIMES because of attempted fraudulent charges and not even using the account, today I got yet another notification that someone was attempting to use my card to spend $45 at Pizza Hut. I’m not sure how anyone could have gotten my card information because the card never left my house after it was delivered and activated. Do not use this service. Their customer service is awful and does nothing to solve your problems. If you’re looking for an online bank, I recommend trying one of the many others that are out there. Getting paid two days earlier is NOT worth the stress.

- Best Banking App Out There!

When I first heard of chime I thought it would be just like a regular prepaid debit card you can buy from the store but I signed up and started getting my paycheck 2 days early I was really happy. The. They came out with spot me and I think it’s really freaking cool that they allow you to get up to $100 overdraft without paying the extremely high fees a bank charges you (which is like $30 every time you make a purchase in the negative) I can only do $45 right now but it’s still really cool that it’s all free no membership fees no fee for card replacement and no overdraft fees. You can leave a tip which helps keep it all free so I usually tip but it’s all really cool. Even the card is kinda cool the card number are on the back side so when your paying with it no one can see your card number and they have contests where you can draw on the front side of it and make a cool design and you can win prizes.

- Fraud Charges

My account was debited for the exact amount 13 times. Chime let all these charges hit my account. Mind you that these charges came through ten minutes apart. I spoke with chime and a supervisor at that, they informed me that there is no security measures in place that prevent duplicate charges. As with most banks or credit cards after a charge is made in the same amount twice it is dinged and declined. I was told that I must wait till they move from pending to posts transactions. Then and only then can I dispute them. Do not bank with Chime!!! Don’t let this happen to you!! There are no security measures in place to stop duplicate charges, it will continue to hit your account until it goes negative. This is unacceptable and I warn you to look for another bank. This bank has had multiple issues with the system going down and people not being able to access their money. I now will not be able to feed my family till this issue is resolved. Due to the Coronavirus I have lost work and my husband has lost his job. We have no way to make up for this lost and no way to feed our children. Thank you Chime for caring about the well being of your customers!!

- Review

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

- Regretting signing up with chime!!

Only been with them for about a month and I definitely regret it! My card started declining out of no where and I had more than enough money, figured it was something wrong with the website I was ordering from. Drove to an ATM and a message came up saying incorrect account or card number?!!! HOW??? I had just used my card three hours before this started happening. The Robot is HORRIBLE and I’ve never gotten a response when I try the chat options.. it’s midnight and I have no gas to get home and no way of getting in touch with any one to assist me with this!! I’m looking for a new bank as we speak!!! **UPDATE** it’s 6:53 pm the next day.. do I have access to my funds? NO! Did I get a response? Yeah but only to tell me my card was compromised or used in another country. I told them I knew what was happening and that it was okay and there was no need to close my card down. They even sent a text to my phone to confirm the transaction that caused all this. After begging for literally hours not to close the card and enable it because I had no gas my kid and I were starving THEY STILL CLOSED MY CARD AND HAVE YET TO ENABLE IT FOR ME TO WITHDRAW FUNDS LIKE THEY SAID THEY WOULD AT 2PM TODAY!!!

- Nothing but problems

I REALLY wanted to liked this card. But everything that I’ve tried to do, that they advertise as simple and easy, has been one issue after another. When I tried to connect my other bank account to add money to my chime card, it got denied by chimes 3rd party system and customer support said there was nothing that they could do. When I tried depositing cash, the first 2 locations that the chime app recommended were unable to deposit cash to a checking account. When I tried paying my electric bill, the charge was denied by chime even though I had enough money on the account. I contacted customer support to explain that I was trying to trying to pay my electric bill and ask why they denied the charge. Instead of explaining why, they said that the account was compromised and they had to close the account. I explained again that I was the one to try to make the charge. How am I supposed to pay any bills if they just shut down the card every time I try to make a transaction? Customer support doesn’t answer any questions and actually causes more problems. It’s great that they don’t have any crazy fees, but this card is literally useless.

- Banking of the Future

Wow. I’ve been a member of Chime for about a year now and could never imagine switching back to a traditional bank. Chime always has went above and beyond for me. I work for a bank and experience first hand why people should be switching to Chime! No fees! Hands down the best idea ever. Unlike other banks, Chime does not charge monthly service fees or overdraft fees! I mean come on!👏🏼 also after you establish a relationship and history with Chime, they’ll allow you to overdraft but again, NO FEES! Lastly, getting your direct deposit early is so beneficial! They make it easy to lock and unlock your debit card, view your card and account details, and automatically round up purchases to go towards your savings account! I’ve told so many of my friends about Chime and if you’re considering switching from your traditional bank, let my experience and the other hundred of thousands of reviews and customers persuade you!


👍🏾💪🏾. I started banking with chime because I’ve had discrepancies with several big banks were my accounts were all negative at the time. CHIME Bank was the only bank giving me an account and I needed a fast way to get money on my card through DRIVING UBER(Not all banks accept UBER Cash out Payments).CHIME has a dope round up feature that be saving money for you, and you can save money at the same time by transferring. I’ve had fraud issues with my card ,it was replaced express in 3days had know issues getting a new one . Using this CHIME BANKING APP on my iPhone is LIFE ,to get cash out you can go to any 7Eleven . And they’re everywhere (FEE-FREE ATM) (NO WITHDRAWALS PERIOD NO NEGATIVE ACCOUNT....It just don’t happen . What you got is what you got....... Overall I give chime banking and chime customer support team a 5star. Spot Me feature cool. I used it twice it came in handy for Gas.. 👍🏾👍🏾GREAT JOB. KEEP UP THE GOOD WORK .Yah dope .AND YOU GET YOUR DIRECT DEPOSIT EARLY 😎🤓😎

- Third party transfers shouldn’t take 1-3 days

My biggest critique would be that third party transfers shouldn’t take 1-3 days. You name it Zelle, Venmo, PayPal, Popmoney heck even wirefas the worst of them all has instant third party transfers to your bank account. I transferred money off PayPal to my chime bank account and it cleared via PayPal. However, now I’m sitting 1-3 days hoping I’ll see my money soon. Let’s all be real though when they say 1-3 days they may as well say 3 days because there is no such thing as a range in banking. I really like the platform this bank offers but it’s practically useless for me because third party transfers are everything to me with a bank account. With all that being said, I’m not sure if I’ll stick around I just hope people read my review before they cash out via anywhere third party to their bank account. I just see it as highway robbery I mean what’s my money doing sitting there in transit. Shouldn’t I get interest on my loan I’m giving chime to hold onto for three days? Probably not.... but I hope they fix this because I’d move all my money on their platform if they could fix this.

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- Best Decision Ever

Chime has completely change my view of banking. I went from big company’s like Chase and Wells Fargo which left me ready to just do banking the old fashion way .. put it under my mattress. Fortunately I found a home which gave me a whole new view of banking . There are like ZERO fees which for me is a blessing because honestly who has time for bank fees when we already have bills to pay and necessities to buy. I can transfer my money easy from checking‘s or savings, I can send money easy, and my card works everywhere, it’s beautiful really. And speaking of the savings account I have it set up to take a percentage of what I spend each transaction and put it into my savings account, also it limits me to only a few transfers out my savings account that help SAVE MONEY . Simply I think this app is amazing and if your tried of your bank always surprising you with fees I would definitely switch to Chime.

- Disappointed

I’ve had chime for roughly 2 yrs and i was using it as my primary bank. The 1st issue i ever had with them was at the end of September i recently started a new job what is the coincidence that the very day i get paid a very large paycheck somehow someone magically has my bank card number 2 states away and uses it at a gas station. Get that situation squared away and i was supposed to have been shipped a new card over a month ago never received it. Placed a new order for a card because i thought it may have been some confusion on my behalf due to moving. Now i have to wait 10 more days for something that has been going on for almost 2 months I’m not sure what issues they are having they need to look into some form of card less atm access prior to the recent issues I’ve had with them and then with the app going down i had nothing but rave reviews about them now I’m not so sure

- Legitimately the best “Bank” ever

I get paid two day early, I rarely ever visit any other bank branch so I have no need for chime (even if they did have them) to have them near by since I can just get cash back when I buy groceries. Plus the SpotMe feature has saved me TWICE now. I try to not rely on it but it’s always nice to know Chime has my back for a few extra bucks and I won’t get hit with a fee for ever using it. I’ve had PNC, Bank of America, Chase, Wells Fargo (unfortunately) and even Santander and Chime has offered me the best value over all of them. Granted with a few limitations of not having joint bank account features or being able to instantly transfer money between accounts (even for a fee like CashApp/PayPal) I still prefer this and it has remained my primary bank account for two years now. No regrets at all! Chime is the best! Don’t go for simple bank either, it’s just a rip off of what chime is 👍🏽

- And It’s Chime For The Win‼️

Excellent service thus far! I was apprehensive at first with the whole online banking phenomenon. I was worried about getting my money in cash as needed versus the traditional brick and mortar. But with ATM’s on every corner I quickly realized that was a moot. My next concern was with ATM fees any time I wanted my hard earned money. But with dozens of no fee ATM’s partnered with Chime I realized it’s Chime for the win! And don’t even get me started talking about how it literally took me 30 seconds to set up automatic deposit for my payroll checks! 15 seconds to get the form from Chime and 15 seconds to forward it to my employer! Did I mention I can access my deposited check an entire day before I normally would be allowed to with a traditional brick and mortar‼️My co-workers got tired of seeing me get paid before them and left behind all the bureaucratic red tape of traditional banking institutions......Chime for the win! Actually I’m the one winning😉

- Chime is for the people

I’ve been with chime for a lil while and I’m very pleased with this bank ,they listen and actually hear what you have to say if you ever reach out through email ,my email was responded to fairly quick by a higher up individual he even reached out in a follow up email to see if I had any other issues going forward .Ive had other bank accounts even belonging to a credit union and chime is the best in my opinion because I get paid Wednesday instead of Friday which helps me out when it comes to paying bills I will say the only thing that I wish they would change is the way you have to add cash to the account,you have to go and add money through a third party cashier mainly at a my local R/X store I’d much rather go deposit money into an atm and avoid the face to face transaction if chime fixes this issue then I’d give em even more stars .thank you Bancorp Bank and CHIME .

- So far...

I was looking for a bank that could pay me early and found chime. So first thing people need to understand is that the debit card takes about two weeks to get to your address, before it does I suggest you do NOT put your direct deposit info because you will not have access to your funds! Just like any other credit/debit card you have to activate it once you get it to access your funds. Be patient and stick with whatever bank you have for two weeks. Today is the first week I got paid and yes it’s exactly two days early, i got my deposit at 12:20 pm to be exact. I don’t use chime for bills or anything serious like that given that the most they let you take out a day is $500. I hope this helps people who want to give chime a try. Reading all these negative comments didn’t help me but this is my experience so far. If anything I’ll edit my review.

- Beware

I opened an account with Chime and thought everything would be fine. My first deposit was a payment from selling something online. Chime decided - hours after the deposit showed up and I had used my debit card - to suspend my account. When I called customer service I was told that it was suspended because the deposit was a refund and the original purchase was not made thru them. I tried to explain that it was not a refund but instead was actually a payment from the resell of event tickets. They didn’t care. When I asked to speak to someone in the correct department I was told that they don’t have phones in that department. They also stated that it will take a minimum of 1-2 business days for the suspension to be lifted. Per the unfriendly and unhelpful customer service rep I sent an email explaining the situation. This was followed by additional emails showing my receipt for the original purchase of the tickets as well as proof that the amount deposited was payment from selling the tickets. Once the requested documentation was submitted they stopped responding to emails. I still have no access to my account or my money.

- Do not give these chimos your money they are sleazy theives and not a real bank BEWARE

The worst company I have ever dealt with, and I have dealt with some scum bag companies. They are not even a real bank they are an account at Bancorp bank that just steals your money by pretending to be a bank and they do this buy buying visa debit cards to use with their account at banccorp and micro accounts so they can steal all of our money. During this COVID pandemic these guys have now stolen my $1200 stimulus direct deposit and have told me to send them My tax return and my ID which I did four days ago. They told me that they would allow my deposit to post once I did this but now it’s been four days and not a cent ! They are thieves and don’t even speak English when you talk to them on the phone it isn’t anyone who can even help you with anything because they don’t have the ability to. So once again DO NOT GIVE A PENNY TO THESE GUYS THEYRE THEIVES PRETENDING TO BE A BANK. I am going to be filing a lawsuit against them to get them to stop misleading people. Praying on people during a global pandemic is pretty sleazy chime. As sleazy as a chimo. If you don’t know what that is look it up

- Helpful

I’ve never trusted banks before because all of it’s hidden fees and also not alerting me when I have fees. I felt like I was being taken advantage of. They just told me what I wanted to hear and they we’re never detailed about my bank statements. I love chime because they have a live chat where I can talk to any of their agents and it doesn’t take them more than 2 minutes to reply back. Their always there to alert me everyday on how much money I have and if I spent. They would automatically alert me after I bought some thing. Very reliable I’m so happy I found out about Chime because I would’ve still been doing it old-school where I would go cash my checks. But now that I have Chime my life is so much easier I get paid two days earlier that’s just a plus and they’re just very very helpful I would recommend this for anyone who don’t like using banks to use Chime.

- Ridiculous

I have had Chime for 3 years now, never had a problem, always spoke highly of them UNTIL TODAY. I was scrolling my email when I came across one telling me that my account was on hold. I thought it was spam until I tried logging into my account. The Bancorp Bank supposedly “needed proof” that my college refunded me the money that I paid for classes that are now cancelled because of COVID-19. Both the transaction AND the refund had the SAME. EXACT. NAME. of where they came from but somehow there “wasn’t a transaction that matched the refund”. Uhmm? YES, actually, THERE WAS. Scroll to last month and you’ll SEE IT. Now my account is locked for 2 DAYS during a literal national financial crisis, my paycheck was supposed to be deposited TOMORROW so where is that going now? ANNDDD, I’ve had to CANCEL MY AUTO PAY FOR MY BILLS. Who is paying those late fees when they hit, Chime? Because this is absolutely RIDICULOUS. ALL of MY money is INACCESSIBILE? Lucky for me, I’m a Paralegal for a very prominent attorney, and if need be, I will not hesitate to press charges. How dare you put customers through this, without even so much as a phone call or warning. I am not tolerating it.

- Still on the fence

I really like the concept of this bank and getting paid two days earlier. However the customer service experience has been far from stellar. I have clearly documented my issue with linking an external account that is listed on the main page Citizens Bank. Chime uses a 3rd party called Plaid for it’s verification. I type in my user name and password and tells me my account has been successfully linked. However I then get a message that states invalid routing/account number. Not one customer service rep understood what I was talking about and kept telling me they updated their routing number that I can give to other banks. Another rep tells me its lies with their 3rd party vendor and nothing can be done. Yes something can be done as Chime is paying to use the 3rd parties service. I would suggest the customer service reps actually read the emails and respond to the issue at hand and not just “think” they know what my issue is, when it clear the response is nothing in relation to my issue.

- Direct Deposits are very inconsistent

Unfortunately I would not recommend to use this Online Banking App to ANYONE. They are very inconsistent with when they post your direct deposits. They have a rude supervisor named Onya who literally kept repeating the same thing instead of actually resolving my issue or answering my question. Everything was fine my first two direct deposits and then after that they started to hold my money longer then usual. Nothing has changed with my employer or the process they use to send out my direct deposits. Chris the CEO of chime needs to learn some consistency with peoples money before he decided to open up a banking app. They don’t follow any of their terms and conditions. I would honestly just stick with a trusted banking center like Bank of America or Chase and just get paid on my regular days. The whole purpose of me trying this bank was to get paid early and it does the opposite so If I still have to wait as long as my employer does I will just use Bank of America instead. Highly recommended not to give them your direct deposit information or use them as a bank at all.

- Chime

You guys are absolutely perfect I’ve been banking with you since 2017 and I’m just as happy as if not even more now. You’ve really made a lot of important and fun improvements. I’m always looking forward to you’re updates just for the simple fact that whom ever is writing them is a pure genius I’ve screen shotted every one and saved them. Thank you chime for all you do for us and for the greater good. #StaySafe #StayHealthy these are trying times for all of us around the world and to see and read you’re updated it brings joy to my life even if only for a moment thank you for the smile today. I look forward to maybe in the near future news letters via email. Opportunities you as a company are taking in local cities with volunteers and charity work. I would love to join you in the fight against the odds whenever you are in Portland Oregon or Vancouver WA. 🙏🏼

- An absolute joke!

I thought this was the perfect bank! It promised early paychecks, immediate withdrawal from my account when I swiped my card, and they promised to not post a transaction if the funds were not available! WRONG! This is the second time I have gone negative with this bank and when I called the first time it happened all they could tell me was “I don’t know”. Now you can’t even get through to a person on their customer service line, you have to go through the app! Time and time again, I’ve had payments decline because there wasn’t the exact amount in my account, down to the cent. It was great! But now I’m negative $34 for some odd reason! I had another issue with them earlier in the year too, trying to pay a bill. For a week I was on the phone with them trying to figure out why the money never went to my bill. Turns out Chime changed their routing number AND NEVER CONTACTED ME ABOUT IT and never thought it necessary to tell me during the week I was calling them! And to not have an answer as to why a payment wasn’t blocked from my account when that’s one of their selling points??? A COMPLETE JOKE!

- Keep up the good work!

I have fell in love with a mobile banking app ! I want to share how I was turned into having an online only account. First of all... there really are no fees if you go negative. I am only able to go negative 20 as of now but I don’t need to go negative more than that. I signed up for direct deposit & am able to access my money a day or two in advance which is very helpful! If you have trouble with your account or you need to block a payment that will be taken out ...all you have to do is click the button in the right hand upper corner & have the option to talk to a real live customer service representative. - this feature really saved me bc I had a clothing subscription that was going to take out more than $100 and would leave me with no money to pay my bills- chime saved me by blocking them so they couldn’t take money out. I had to use ATM that was not in there network & they refunded me the fees. Chime will do a “round up “ transfer into a saving account for me & you have the option for chime to automatically take money from your checking and put it into the savings every time you get paid. The only reason they don’t get a 5 star rating is because it is hard to find one of there ATMs where I am from- and if you need to deposit money into your account .. it’s basically impossible unless you want to mail it. Otherwise GREAT JOB chime!!

- Security measures or Overkill???

I just applied for a Chime account, feeling excited to try a new form of banking. I provided the requested information (name, DOB, SS#, address, etc). After submitting my info, a 2nd window opens asking for a bunch of really old info, info that I haven’t used in many years (some of which I still definitely know, some of which I had to guess at); like the lender of my 1st car loan, which side street is located closest to an old address, & then scrambled several of my past addresses, expecting me to match up which numbers belong to which street names. How am I supposed to remember every address I’ve ever lived at, especially from 10-15 years ago? I understand taking precautions, but isn’t this a bit much. I could easily provide different legal documentation as to my identity. Maybe a Driver’s license, or a social security card, or something along those lines. I hope to hear back from their customer service department about possibly rectifying this problem. Especially considering “Chime” is the banking app that I chose over all the many different available options (Varo, Qapital, Clarity, Simple, etc..)

- Unethical account hold

The Chime app itself is ok, although it annoyingly constantly prompts me to create a new sign-in pin instead of remembering the one I already created. I was disappointed by the limited deposit and transfer options. But now I’m in the financial twilight zone with this company, and would caution folks to steer clear—with no communication ahead of time they suddenly placed a hold on my account which included denying me access to my own money and denying access to the app, so that I can’t view my own account activity. They have requested an absurd amount of documentation of my unemployment payments, which is my only source of income right now, including demanding that I send them a picture of myself holding my drivers license to prove my identity. The whole experience has felt unbelievably invasive and accusatory, and I have bills and rent coming due, and they still haven’t lifted the hold. It feels like stealing. I have never been treated so unethically by a financial institution in my life, and I’m genuinely afraid of the impact this is going to have on my ability to keep up with my basic needs (bills, rent, groceries).


I got this bank just to do what all banks should do: access your money. This Bank cannot even do that simple task. I have no access to my money because I have not received my debit card. I cannot transfer my funds because I do not have debit card. I tried multiple places: Venmo, Cashapp, and PayPal and all of them I ran into a problem. My debit card is not supposed to be in for another two weeks. I have called customer service they act like they do not have a solution to my problem. So this is an incomplete bank and I will be sure to report this bank because it doesn’t make any since that I can not have access to my hard earned money. I have things to pay that can not be paid with an account number. Don’t believe the lie in which the developer responds to low reviews that says to email them to “help”. They emailed me and said sorry and still did not do anything; they are just as useless as their customer service reps on the phone. I’m tired of this bank shadiness, and I am very determined to end this bank/company. Chime/Bankcorp messed over too many people and everyone needs justice.

- Not good so far

Opened an account set up direct deposit. Direct deposit takes a week to set up/accept on there end, so now I have a paper-check and can NOT cash it anywhere close to me. Chime has a check deposit feature but only after you’ve had direct deposits ?! Not something explained when I set everything up. It doesn’t even make sense that I can’t deposit my check from my JOB in my bank account unless this is a shame. I contacted the support to see if they would somehow clear this and let me deposit my check into my supposedly real bank account. No one responded and it’s been 30 min in the chat and nothing. No automated response say they are closed or not no response at all. Now I’m in a lurch with this check that I can’t get deposited unless I go set up a new bank account with an actual bank which I thought this was ! Also there is no early direct deposit, it hasn’t worked, and my employer has told me that regular deposits will not go through. I think I will contact a lawyer as this company seems fraudulent and not at all what they advertised and has my information.

- I would recommend Chime to anyone and everyone!

This app has been such a blessing on my journey to get control over my finances. It’s like having someone balance your checkbook for you—charges go through quickly and you get notifications of your new balance after each charge. No delayed charges that help create an overdrawn balance like my “regular” checking account. Also, I was saved from an unauthorized charge when I had insufficient funds—I simply received a notification that the charge was declined. My regular bank would have let the charge go through, adding an overdraft fee on top. Last but not least, the automatic savings and limitations on the number of transfers from your savings has made saving a whole lot easier. Oh, and the new SpotMe feature helped me afford medication I needed before my next paycheck. Thank you, Chime!

- This aint it chief

I like getting paid early but if I have to go through so much with unforeseen issues that makes me wait longer to use my money, then did I really win anything? The customer service is trash. Told them about a disputed charge so I asked for a REPLACEMENT card, just for them to send me a card with THE SAME NUMBERS as my last card except for the CVV and Year. Just for them to allow me to use my card for two hours, then to disable my account so I cannot even use Apple Pay a day after I got “paid early”. Customer support told me that in the system the card was considered STOLEN so it’s their policy to disable the account. However not only did they not refund my disputed charge but they told me basically to wait another 2 WEEKS to get another card sent to me (non expedited shipping). This is not only disrespectful but holistically one of the worse displays of customer service that I have ever been associated with. I literally restructured my direct deposit into a different banking institution and once I get the card from Chime, I am closing the account. Just my honest opinion. Have a great day.

- Was great when it started

Honestly, this is a dope app, however, after trying to figure out why I was not getting paid 2 days in advance, the customer support team did not only help me, they totally discarded my issue with responding with templates from there knowledge base most likely. Also, why is there no option for a rush card or even a week instead of two weeks to ship a card if lost and stolen. A when an individual does lose their card by accident, why would you turn off transactions that are coming out as bills. I got hit with 4 lates fees because Chime kept blocking my monthly schedule withdraw from paying my bills. Lastly, a tip for your support team....try and listen to the customer when probing for questions when we ask asking for answers. I had someone over the phone that asked me the same question 5 times before understanding what I was saying. There was no language barrier at all but I could sense the feeling of not empathy at all for my issue. Hope the feedback does not get thrown out like many and a lead actually takes a look into this for future reference.

- Certain things are ok

I’ll start by saying I do NOT like the chime bot at all. It doesn’t know the answer to anything I ask and can only take questions/phrases that are like 2 words long, which is useless most of the time. I type customer service and it asks if I’m sure I want to talk to an agent and I say yes and it still does nothing. I literally have to search through answers on the web and ask other people that have the app and have done ridiculous searching themselves, about whatever my problem is and it still barely gets answered. Other than that, it’s pretty useful and you can use it for all the things that normal prepaid debit cards can’t be used for. I don’t like that I can’t see more than 3 recent transactions though because sometimes I like to see them to make sure I’m not getting over charged for anything, but I don’t know that unless I sit there and monitor my balance and use a calculator to do the math. I guess I can say the actual card and account itself is useful, but the app is completely useless.

- Not everyone gets pay earlier

We previously used money network for direct deposit. We got our pay 1 day early. Since I already had chime, and my husband wanted to use a different company for direct deposit and the "up to 2 days early" incentive sounded pretty awesome, he chose to get chime also. We waited and waited and no pay or referral bonus ever came through. We finally got customer service to fix the referral pay - ($50 for each party) t.... we don't get our pay till Friday with chime, but did with money network. I'm pretty salty about that, but not a huge deal. I do love that it's super easy to transfer money to other chime users though. That makes a lot of things pretty convenient for me. Also the "spotme" feature is pretty cool. Let's you overdraw with no feel for gas or groceries up to a certain amount. So all in all, I like chime. I just wish we actually got paid early... as almost every chime ad claims.


I’ve had it for a couple months now and I wish I had come across this sooner. There’s so many convenient features that my credit union does not have. I always get paid around 1-2 days earlier, pending transactions are ALWAYS taken out of the available balance so I know exactly how much I have all the time and by far the BEST feature is the round up savings. Every transaction you can set up to where it rounds to the nearest dollar and put in your savings account! You can also send checks thru chime. Just need to put in the info of where it’s going to be sent and such and chime will mail a check for you! And you can also transfer money to other bank accounts not thru chime! You guys are absolutely killing it with this app. It’s got such a nice design and is easy to use and understand. Please don’t change a thing! ❤️

- BEWARE OF CHIME Worst bank on earth

This has got to be the worst bank on planet earth. I had to dispute a charge from a merchant who didn’t have permission to do so. No big deal, this was not Chime’s fault. However, In order to do this, chime completely disabled my debit card and told me I had to wait TWO WEEKS for a new debit card. The options in which they say “you can access your funds” just make you move money around and are not only inconvenient, they’re completely worthless and not helpful. After sitting on the phone with customer service for two hours and getting 3 different responses saying they offer expedited shipping for other customers, just not for me, I had to write a review about my experience. I was at the gas station with a declined card, a tank on empty and no way to access my funds. They couldn’t reactivate the old card and put me in an extremely stressful situation with no solution. I am currently still waiting for my debit card and I will be closing my account as soon at this dispute goes through. Absolutely frustrating, and will never be using them again. Beware of chime.

- Absolutely life changing

I am a real human being with a 1 year old and 2 jobs living in the middle of Silicon Valley literally trying to survive. Luckily I grew up here so I’m not in impoverished lol .. anyway I found out about chime decided to sign up because it had a savings . I’m not able to get a real bank account because of some naive reason , so I have to use prepaid cards . Well none of them had a savings so I was always spending and never saving , and when I first used chime I was new to saving so you know it went bad but now I have waaaay more in my savings right now then I’ve ever had in my whole life and it feels great and I thank Chime for that and it’s simple the app is actually appealing (I love green 😂) .. If you’re young and want to save and actually see what your saving and watch your money stack and get notifications on your balance Chime is the shiii**


Based off customer service alone they are horrible anytime I have problems they never solve them and mainly has to do with there mistakes... I’m told if I have proof of the error they could help but because I didn’t they couldn’t... then when the mistake happens again and I provide the proof that shows chimes in the wrong they still don’t help they just repeat themselves like there following a script and have no idea how to actually help you it’s annoying they now twice have refunded me my money and then take it away and allowed my balance to go over my spot me limit before I couldn’t provide proof of the email that the money was put back then taken from choke but this time I did have it and I sent it to them and all they had to say was it’s not a mistake on them it’s the merchants fault they didn’t allow it to go over my spot me limit the merchant did so they can’t help me I repeated myself to three different people and none gave me a right answer they shuddered and couldn’t tell me a real answer as to what happened they said the merchant did it smh so bad

- Don’t Even Bother

This is really no better than using a prepaid card. I was drawn to this originally because there no fees and it seemed pretty simple but if you really need to do something with your money this is not for you. I unfortunately lost my card and asked for a replacement card and I still haven’t received it even tho I am supposed to receive it by now. It’s the first of the month and I have to pay rent with no access to my money. If you lose this card you have to wait until you receive it in order to take out your money. The customer service rep suggested I set up PayPal in the meantime. You can’t go grocery shopping or pay every bill with a paypal acct. I’m extremely annoyed and just opened up a new account with a REAL BANK with a brick and mortar location. She also said she can’t give me a temporary card because I haven’t received my regular card which absolutely makes no sense. These people read off of a script, barely speak English well and have no idea how to actually help you. Once I get my card I’m withdrawing my money, closing the account and using my REAL BANK.

- Love this bank

I have been with chime bank for a while now and I my experience has been great with them. Charges that look fishy I always get a text asking if it was me and I have always had access to my money. I recently had my account compromised and a very large amount was took from my account. I did everything I was suppose to filled out the forms, customer service was easy to reach and work with and chime investigated my claim. It did take a few weeks which with covid 19 and everything going on I understood but Chime made things right with me and all my money was put back into my account. I honestly could not ask for a better bank especially after this last experience I had. I was so afraid I was not going to see that money ever again! But chime thoroughly investigated my case and I am very pleased with this bank!!

- Used to love.. not anymore

I’ve had Chime for years & I used to love it. Now fund availability and security are an issue for me. I recently had a check I wanted to deposit with the mobile tool. My check was denied & no reason was provided. I tried calling customer service and couldn’t get a real person just a computer saying “we can not provide details” 🙄 so I used my Chase app to deposit the check & the check went through literally the next day with no issues. So now that the money is on that account getting it to Chime is proving to be a headache. The check is for about 1,700 dollars & the daily transfer limit is 200 & the daily deposit limit is 500. I would have to do several transactions over the course of several days just to access my own money. Chime needs to raise these limits & have other options besides direct deposit. Plus they need to have better customer service & security. There’s no reason you shouldn’t be able to at the very least talk to a real person when you need to. Currently taking the steps to close account ✌🏾

- Terrible company do waste your time or money

I am absolutely disgusted by this company. I was referred by my co-worker & set up my account through their link in which a $50 referral was supposed to be deposited to my account. I never got that $50 I called customer service, emailed & used the support on the app with screenshots of the link & app & no reply. I get in contact with customer service they tell me they don’t see where I used the link & then proceeded to lie to me about it being resolved & I should receive in 2 business days & she also claimed it was notated on the account which it never was. Long story short I speak with a manager with no resolve they relay the same message even tho I have proof of everything & proceeded to trying to get me off the phone due to her unable to solve my problem & me asking for a higher up. It’s past the $50 at this point it’s integrity about the company in which I was being lied to about it being resolved just to get me off the phone & then being told I have to email higher ups because I can’t speak to anyone. Complete scam don’t waste your time!

- One of the best decisions i have made

Banking with Chime has been such a great experience. While having direct deposit my check did actually come in two days faster. I love how they also have the ATM fee free map to help me save a few bucks and it always usually right by my house. They also have a tool on the app where of you don’t have your card on hand it shows you a digital version of your card and it shows the info in case you want to do some online purchases. I recently had an issues and their customer service team got back to me within the same day and were nothing but helpful and professional. The only down side I would say is that unlike big banks you can’t go to an ATM and deposit cash or checks but other than that I’m a proud customer and look forward to staying with Chime for a long time.

- Sorry Excuse for a Bank!!!

DO NOT GET CHIME! Recently they had a huge tech incident where all the app and phone systems and even my debit card wouldn’t work. When it finally came back up, I had a weird charge on my account that was not me. So I call and request an investigation be done on it, the guy I spoke to ask if I wanted a new debit card sent to me and I said no because I have automatic payments coming out of this account. Well 2 days later I try to use my card and it’s declined, I get on my app and see that they are sending me a new card. I got no notification saying my card would be cut off or I would’ve withdrawn my cash out before. This is the only bank account I have, now I have no way to access my money. Venmo can take 5-7 business days unless you have a debit card. Every money transfer service I know requires a debit card. They have no banks I can go to. I’m basically screwed until I get my new card in which can take 2 weeks. When I get my new card in, they will lose a customer! I’ll make sure no one I know ever goes through this with this sorry company.

- Horrible

When I first heard about chime I was so excited. It sounded like the best way to bank ever! Also getting my pay check not 1, but 2 days earlier is a plus. But I have never had so many issues with a bank in my life. It’s not worth the hassle. I had it for maybe 2 weeks and still waiting on them to fix issues. I would go to the ATMs that they authorized and told me to go where I could withdraw money for free and it charged me every time! I would call them and it takes days to go back to your account but seconds to pull your money. I also had an instance where my account was comprised and there were charges made that I didn’t make. I called them immediately. This happened almost 2 months ago and I had to fill out a lot of paperwork and they still haven’t called to follow up or anything. I’m still waiting on them to refund me for the money that was stolen. Dealing with chime was very frustrating and disappointing. I quickly switched back to my original bank where I was secure and I know that they wouldn’t mistakenly charge me multiple times.

- Chime is pretty cool

I’m really enjoying Chime’s features. I love the automatic 10% savings and round up features. The new application is pretty sleek, and I like the way information is organized. I wish that I could select purchases in the application, and it would provide some additional information. Some purchases that have long names won’t appear 100% in the application. So it can be hard to read what the purchase was. The only thing bad I have to say about chime is the referral program. I was referred by a friend and used her link, but chime claims I didn’t sign up through a referral. I sent a referral to my friend and he signed up with my referral link, but chime claims he didn’t use a referral link. They will not credit you the sign up bonus for their system glitch. So don’t depend on that $25. Customer service is also terrible.

- The simplicity means it lacks a few features, but they’re clearly growing into their shell well.

I use chime to budget my bf’s spending for his work lunches and stuff. It fills the role well, but I think the most important feature you guys need to develop is joint checking accounts or shared accounts with separate checking accounts. But for the app specifically, the best feature I could use would be end of day balance total. Knowing how much is in the account at the end of the day gives us a better idea of how much he’s spending a day, how often we need to transfer money, and would help us decide if it’d be worth it to make his lunch daily instead.—At which point, the chime card would have take the larger task of managing our grocery budget. Haha. As for the bot, I don’t really find it particularly useful, but I’ve only used it 4 times and I think those were asking a bit too much from it.

- Amazing!

So Chime is amazing for me! I got it my senior year of high school and I knew nothing about it only heard about it on tv so I applied and gotten my card 2 weeks earlier than expected. My birthday rolled around and I deposited money onto and the feature I love is that everytime I spend money I automatically get the notification. My other debit card would take weeks to notify me of every transaction I made. I love chime it’s made simple and easy and I truly love this company! I just wished I joined sooner rather than later but overall my experience is incredible even though I never experienced some of the issues other users experience they notify everyone on their twitter that they will fix it. And if I do get another bank like chase etc I can easily connect it to my chime card to move the money!! I love this card

- 3 Stars

As someone who joined to test the service. 1. You can never replace human customer service with a bot. 2. Transfers from other banks shouldn’t take 5 business days. If you can zelle same day, you can transfer funds from other banks same day. 3. Every bank and financial institution allows the user to use their preferred email. Just because it isn’t gmail or iCloud doesn’t make Chime special to Not allow use of a private email service of your choice. 4. If there was ever an issue with the account, and there needs to be an immediate remedy, a bot chat can not understand the importance of why something needs to be fixed or remedied immediately. Now with that said, I would only use Chime for allowance spending and having funds 1-2 days early is nice. If that’s the only thing of value and worth to you, than by all means whatever floats your boat. I’d give it a 3 star because I literally transferred the limit of $200 a day to go into the account and it was so slow. Like I should’ve just zelled myself, or zelle to someone else who could zelle it to me the same day. But 5-6 days... that’s holding my money hostage. And as a test, I transferred money to my other bank same day who was 3 days faster than Chime in processing. So after these tests, sorry Chime, you’re not for me. Thank you for trying though, there’s nothing you can offer better than the banks I’m already with.

- Best Bank I’ve Ever Had

From customer service to Spotme. This is the perfect bank. Yes they are online, no they don’t have branches. Doesn’t matter as much as I thought it did. Deliver top notch customer service without any fees(seriously none). Easy to navigate and well functioning app. I receive my pay 3 days early and my family receives theirs 5 days early, just depends on your employer. One bump in the road due to what I believe was server overload and trying to grow to quickly was easily smoothed over with constant communication either through the app or email and anyone effected was given a small amount of compensation for sticking through it. Never had an issue since. Definitely worth a try, even if you end up not liking it. Though I doubt you’d be able to find a reason why. Keep up the great work!

- Fraudulent customer support

Their customer is the worse I’ve experience and that’s saying a lot. If you decide to get this card do not use direct deposit only put money on here for your purchase. If you dispute a charge they automatically cut your card off send another in the mail with out your permission. I spent 6 complete hours on the phone with customer support hanging up on me Ill call right back for 6 hrs straight playing phone tag they will tell you hold please, leave you there for 30 to 45 minutes then hang up on you so they actually got paid for dropping your call it’s a classic move done by customer service experts who figured out they can still get paid by faking your calls and of course you never get to issue of why u called this is a crooked card company with the worst employees loose Money at your own risk I warned you... I going beach to my bank and happily pay a monthly to have a bank manager and professional customer service 24 hrs a day it’s worth it vs not knowing where you money is and the company saying screw you

- Great bank!

One of the best banks I have ever had. The team is very friendly and responds fast! I like that you can have a spending account and savings account with no minimum balance required in either. Round ups are awesome too after a week or so I already have $10 in my savings account which is nice since I forget about it and then have spare money! The fee free overdraft is nice too! For moments when you literally need like $5 it doesn’t cost you that plus $35 for an overdraft fee. The save 10% when I get paid doesn’t work for some reason, it only ever did it once for me but that’s not too big of an issue. Overall this is a good bank, the set up is nice plus the team is friendly and understanding of situations if you need help, and I’ve had three banks prior to Chime and by far Chime is my favorite hands down

- Chime HELPS me level up.

I appreciate that I know that I will receive the help that I need without lengthy delays or multiple attempts that make me feel like I’m chasing people. Agents are always courteous and willing to educate me on services and procedures. Chime takes care of account holders in ways that build trust. The variety of realistic services offered are intelligently packaged with an across the board, user friendly practicality that makes it easy to invest in yourself. The app is easy to utilize and has a customer care feature that is easy, versatile and responsive with respect for my time. After 40 years of large financial institutions where customers are valued by the amount of money or are always being looked at in terms of how do we get more out of the small account holders, it’s fabulous to be treated with dignity.

- Chime

I love Chime . It’s the best decision I ever made when I signed up for the chime card. The app is even more amazing you can see transactions, deposits, & immediately when people take money off your card. The notifications pops up instantly. I visit this app about so many times a day. Also they release your funds on time & they don’t hold your money. You can transfer money to other banks and friends. If you refer a friend and they have a deposit of at least $100 you both get $50 bucks. If you have questions the customer service people are really nice and helpful . You really get paid up to two days earlier. At my job we get paid monthly but with the chime card I get paid early. Chime is just so amazing. I love it and I think everyone needs to get a chime card & make a account you won’t regret it.

- Surprisingly not a scam!

First off, I thought this was a scam for the longest time. I didn’t even think to use it until a coworker told me about during our lunch break. She said the entire staff in the pharmacy uses it and gets paid 2 days early! I couldn’t believe it so I signed up and figured I’d give it a shot. Setting up the direct deposit was soooo simple. Literally gave me all the correct info instantly. The card came in the mail within a week, no issue there. And it works with Apple Pay better than my own bank does! I thought there would be something negative about it like fees or other issues, but so far I’ve had not a single issue. I can connect it to other banks and transfer money where it needs to go. I love Chime. And I never would have thought to use it without a good reference!

- Chime was great until it wasn’t

I downloaded Chime about 6 months ago and loved it. Got paid 2 days early and what I really liked was that the amount of money shown in my account was truly accurate unlike the big banks. Well I ended up changing jobs and the company I work for doesn’t do direct deposit yet, they give checks. Well Chime deposited my first check no problem, then my next 2 paychecks plus a personal check, which chime has taken before, we’re now being declined because Chime couldn’t verify them. They don’t let you resubmit checks just in case the picture of the check was the problem and the customer service is a joke. They are just reading from a script and not addressing the problem on why they can’t verify and what you can do to fix the problem. I sadly had to let Chime go because what do I need them for if I’ve been trying to give them my money but they are making me jump through hoops and having to go through other financial institutions.

- A Garbage Bank with Garbage Service

Chime is the United/Spirit Airlines of online banking Apps. I left a review on their Facebook page/ad and they hid the ad so the truth wouldn’t come out. Several weeks ago, their systems went down and NONE of their users/customers had access to their money or their account. Customers were stuck at airports, restaurants , gas stations, grocery stores and other places without any access to their OWN MONEY! Their CEO came out with a pathetic email apologizing, wanting personalized stories of what happened and how the outage affected them. They offered everyone $10 and basically came up with excuses and bs reasons, blaming their processor instead of just owning it. Their customer services has ALWAYS been atrocious and hiding people’s review of how bad their service really is proof they don’t want the truth to come out. YOU ARE BETTER OF HIDING YOUR MONEY IN A MATTRESSOR GOING TO ANOTHER ONLINE BANK! You are better off asking a dead raccoon on a dirt road to manage your money. I closed my account and got far away from them. DO. NOT. USE. THIS. SERVICE. You will regret it.

- Technical issues

I have had chime for a few years now and usually I have nothing bad to say. I love I usually get paid on Thursday or even Wednesday’s and it’s super convenient to be able to access my money or even send money to my friends without having to have my card present. BUT LATELY. They been having a lot of technically issues. This makes it very difficult to explain when I have to pay a bill. When this happens I can’t see my balance, send money, pay my bill and then I’m having to run around trying to find someone to loan me money and pay re-connect fees and loans back. It’s been very very stressful especially when my insurance do not offer extensions even when I explained that situation. I do very well paying every bill on time and it makes me upset to not be able to pay them even when I have money in my account. If I cannot access my money today, I will be switching to a more traditional bank.

- Great app so far

So far so good with the app, I like how they stood by their word when someone else signs up with the referral link you both get the $50, so I did get that, I love the round up feature, just received the spot me option, I’ll send a review about that once I go through it if I need it. Only thing I have which isn’t a complaint is I chose the 10% to be taken out when I get a direct deposit but it isn’t clear when you check the savings account if it has been taken out and how does it appear in the app I guess is my question, other than that seems like a pretty cool app and a way to save a few coins every time you make a purchase, you can link other accounts as well, not sure what’s up with cash app it wouldn’t let me link chime to it and I like how it notifies of your balance.

- Horrible thieves

DONT USE THIS BANK i used the bank for 3 months normaly but never used the savings feature only has 19 cents and they randomly suspended my account after claiming and having to send my personal info again the reopened it , bad costomer service, they dont know what their doing they just tell you to sent them an email of you complaint , after i got my account back a month later the closed my account with over 300 dollars and 3 days after my direct deposit form my job when in their , it being closed. They told me i have to wait 15 days until it sets and THEN the will send me a check . After i waited 15 days it took them 2 weeks to sent me a check of only over 300 dollars and completely kept my entire work pay of over 700 dollars. Now i have to see if they will send me another check of my remaining funds and wait 2 more weeks when its supposed to come in 3-5 business days as they claim Have had a horrible interaction with this bank i switched to Sofi and has never gave me a problem since.

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Built In San Francisco

.@Chime's mobile banking app also serves as a financial planning tool. The company is #nowhiring for dozens of open positions across its marketing, design, engineering, operations and product departments. #ICYMI


@ambajorat Chime is a mobile banking platform and debit card with no hidden fees, early direct deposit, fee-free overdraft, and automatic savings features. When you sign up, you get an FDIC-insured Spending Account, and a High Yield Savings Account! 🙌

Tony Craddock

When you put a mobile banking service into a market with 350m consumers, valuations soar. For the UK's #Fintech unicorns to match these valuations, they need to move beyond the UK's 70m. As the EU shuts, Asia beckons @EPAssoc

Chime - Mobile Banking 5.48.0 Screenshots & Images

Chime - Mobile Banking iphone, ipad, apple watch and apple tv screenshot images, pictures.

Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images
Chime - Mobile Banking iphone images

Chime - Mobile Banking (Version 5.48.0) Install & Download

The applications Chime - Mobile Banking was published in the category Finance on 2014-03-16 and was developed by Chime Financial, Inc. [Developer ID: 836215272]. This application file size is 67.39 MB. Chime - Mobile Banking - Finance app posted on 2020-10-02 current version is 5.48.0 and works well on IOS 11.0 and high versions. Google Play ID: com.1debit.ChimeProdApp

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