Chime Reviews
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About Chime
Chime is a financial technology company that aims to provide helpful and easy-to-use online banking services. You can open a checking account, a savings account with a 0.5% annual percentage yield and a secured credit card that helps increase your credit score. Chime charges no monthly fees and no overdraft fees. U.S. citizens and permanent residents who are at least 18 can apply on Chime’s website or using its app.
- 0.5% APY on savings account
- No-fee overdraft protection up to $200
- Secured credit card with no fees
- Over 60,000 fee-free ATMs
- Some services require direct deposit
- No joint accounts or secondary cards
Helpful Reviews
What is Chime?
Chime is a fintech company partnering with two banks to offer “member-first” banking services online to members in all 50 states. It offers a checking account with a Visa debit card, a savings account with a 0.5% APY and a secured credit card that helps build credit. Other benefits include fee-free overdraft protection, early direct deposit and over 60,000 no-fee ATMs. There are no monthly fees or minimum balances.
Chime is based in San Francisco and has offices in Chicago and Vancouver, British Columbia. Members can reach customer service by phone seven days a week.
How does Chime work?
Chime is not a bank; it’s a fintech company that partners with two banks: The Bancorp Bank and Stride Bank. It's online only, with no physical banking locations. Members can log in to their accounts on Chime’s website or using the app. There are no fees to set up and maintain a Chime checking account, savings account or secured credit card.
To be eligible to sign up with Chime, you need to be at least 18 and a citizen or permanent resident of the U.S. with a valid Social Security number. Once you open an account, you get a Visa debit card. You also have the option to open a savings account and apply for a Credit Builder secured credit card. Chime also lets you:
- Set up direct deposit and get access to the funds up to two days early
- Send (including paper checks) and receive money without fees
- Withdraw cash without a fee from any MoneyPass ATM
- Deposit checks with mobile deposit
- Get fee-free overdrafts up to $200
- Get balance notifications and instant transaction alerts
Chime accounts
Chime has three types of accounts. When you become a Chime member, you open a checking account and receive your Visa debit card. You then have the option to open a savings account and apply for a secure credit card.
Checking
Chime offers an overdraft protection program, SpotMe, which gives you protection up to a limit (between $20 and $200) with no fees.
Savings
Two optional savings features allow customers to automatically transfer money to savings. With Round Ups, all purchases you make with your debit card are rounded up to the nearest dollar; Chime transfers the amount to your savings account. The Save When I Get Paid feature automatically transfers 10% of direct deposits of $500 or more from checking to savings.
Credit Builder
You can pay the monthly balance automatically with the Safer Credit Building feature. You can also pay manually. Chime reports to all three major credit bureaus. There is no credit check when you apply for the card, no annual fee and no interest.
Chime fees
Chime has no monthly fees and no overdraft fees. The only fee at Chime is a $2.50 charge for out-of-network ATM withdrawal or a withdrawal at a bank or credit union where you present your debit card.
You can also be charged a fee by an out-of-network ATM operator, third-party money transfer services or retailers other than Walgreens that allow you to make cash deposits to your checking account.
Chime FAQ
What bank is Chime?
Chime’s banking services are provided by The Bancorp Bank and Stride Bank. Both are FDIC-insured; accounts are insured up to $250,000 per depositor.
How does Chime Credit Builder work?
Chime Credit Builder is a secured Visa credit card that is designed to help members build credit. Chime reports to all three major credit bureaus. To apply, you need a Chime checking account and qualifying direct deposits of at least $200; no credit check is necessary.
Once you have the Credit Builder card, you can use it anywhere Visa is accepted and start building credit. Your credit limit is based on the amount of money you move from your checking account to the secured account. There are multiple ways to pay off your card each month, including Safer Credit Building, which automatically pays your balance.
What time does Chime direct deposit hit?
Direct deposit funds are available as soon as Chime receives the payment file from the payer. This can be up to two days earlier than the scheduled payment date. Chime recommends contacting the payer if you have questions about the timing of direct deposit.
How do I add money to Chime?
Members can transfer money electronically from other banks. They can also add money via direct deposit and mobile check deposit and by depositing cash at thousands of retail locations (free at Walgreens).
Is Chime a prepaid card?
No, neither the Chime Visa debit card nor the Credit Builder secured credit card is a prepaid card. The Credit Builder card is secured by the money you move into the secured account.
What are the cons of Chime?
Some of Chime’s services have eligibility requirements. SpotMe, the fee-free overdraft program, requires a qualifying direct deposit of at least $200 over the previous 34 days. Credit Builder, the secured credit card, also requires a $200 qualifying direct deposit.
Other cons of Chime are it doesn’t allow joint accounts or secondary cards, and it doesn’t have a rewards program.
Still have questions?
Is Chime legit?
Chime is a legitimate financial technology company working with The Bancorp Bank and Stride Bank, which are both FDIC-insured. Members in all 50 states use its mobile banking services, including Chime’s checking account, savings account and secured credit card, and benefit from overdraft protection, early access to direct deposit funds and easy sending and receiving of money — all with no fees. There are many fintech companies in the mobile banking space; consider comparing Chime with several others before deciding on the right one for you.
Chime Reviews
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Reviewed June 8, 2026
I have been with Chime for over 5 years. Now they are telling me I can't buy crypto currency. They were also trying to tell me a deposit from a friend, was charges I made over their account period!! I was expecting this deposit from my friend. It's a secured account and the money was clearly there!! They would not give the money!! I'm closing my account! I will tell everyone I know about them.
Reviewed June 6, 2026
I purchased an item online and never received my purchase. I put a dispute in with Chime. After 3 months they said there was nothing they could do. I spoke with their foreign service department 3 times. They said they were FDIC insured but still wouldn't cover the fraud. The amount is only $120. I will be closing my account with Chime.
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Reviewed June 6, 2026
My wallet was stolen, and unauthorized payments was in my account and Chime would not dispute the fraudulent charges to my card.
Reviewed June 5, 2026
Chime customer service is so bad. I'm extremely frustrated! I requested an asset verification form on Tuesday morning. I explained this is an urgent request. I really needed it as I was in the process of applying for an apartment to get my son and I out of transitional housing. I was told by a Chime representative that my request could not be expedited and would be submitted to the necessary department and it would be emailed to me 24-48 hours from request time which would be by Thursday. After the call I get an email confirmation that the request is acknowledged and I would get a response soon. Okay cool.
I spent nearly 4 hours getting the run around about the status, once 48 hours passed and I still had not received it. The first rep I spoke to, Thamasis (felt like he lied about his name because he spelled it 3 different ways), was extremely rude and dismissive. I asked to be transferred to his supervisor. He placed me on hold for nearly 30 minutes and another rep, Michael who was not a supervisor, got on the line. He was a tiny bit less dismissive but promised he could help without a supervisor. Okay cool, he also placed me on hold several times and then ultimately explained he could not help. He refused to transfer to a supervisor but said he would need to transfer me to a different department.
I sat on hold for nearly 40 minutes before the call disconnected. I tried using the chat app, and the Ai repeated directed me to a link that was supposed to be the direct line to resolve my issue. I click it and get a call from a rep named Gaby who also was dismissive and placed me on several holds. This went on another 20-something minutes before she finally said she couldn't help because she worked in the fraud department and would need to transfer me to the correct department. After another 30 minutes or so, I get a rep named Andres. Who did something that prompted me to get another email confirming the request and someone would email the document. He was willing to get me to a supervisor. Another 20 minutes hold, and Joni, who claimed to be a supervisor, finally gets on the line.
Another one who was wildly dismissive. She stood firm on waiting until the 48 hours, as it's the policy, which is understandable but at that time it was well past that threshold. Okay, cool, let's get into this policy. I asked her what the time stamp on the original request was. She verified it was 11 am Tuesday morning. I double checked the time zone and asked if it was standard 24-48 hours or if it was 24-48 business hours.
She confirmed it was not business hours, just standard. I pointed out that it was well past the time I should have received and now out of the policy parameters. She became irrate when I called out the contradiction of the policy. Then switched up her story and said it could be after the 48 hours. Anyways, it's now Friday, and I still do not have the document and did not meet the deadline to get the apartment. I've been with Chime for years and have always had a terrible experience with customer service. They never pass up a moment to take from me, but can't be bothered to give me the bare minimum.
Reviewed June 4, 2026
Worst bank I have ever dealt with. My funds have been stolen now twice in the span of two years. Reaching customer service is almost impossible and when you do the service is a joke. I was told by an alleged supervisor that my complaint was a “theory” then disconnected my call. I have written a lengthy email but highly doubt I will receive any kind of resolution. Keep your money SAFE. Go with a brick and mortar business instead.
Reviewed June 4, 2026
I'm a customer of Chime. I have my social security direct deposited in my Chime account. This heartless uncustomer friendly banking company don't care about you or anything that has to do with their customers. I went on vacation. Got stranded in the desert in Nevada. Walked ten miles to use my card to buy water..Tried to get into my account on my phone, with my phone number, my fingerprint and got a message from Chime that I needed to scan my ID... Mind you I just used biometrics my fingerprint that I set up for my account as security and suddenly while I'm stranded in the desert my fingerprint isn't good enough to get into my own account..Even after calling and verifying to chime support that it was indeed me and I was stranded in the desert they still insisted I scan my ID for proof it was me...
How have we come so far into this world of tech apps, technology, and AI that even after validating with chime support who I was, with my fingerprint, the security I set up on my account, could you as a "caring about your customers company be more worried about an ID scan than the human life of one of your customers stranded in a Nevada desert trying to get into their account to access their money in order to get water to survive on....I'm so disgusted by the actions and behavior of this company, they should literally be sued for leaving a human life one of their loyal customers for dead in a Nevada desert over a bullshit ID scan even though I already verified my identity with my fingerprint, phone number and a call to support..... Unreal.. I'm still in the desert and if I die cause of this. I want Chime boycotted.... Less than 1 star. Don't risk your life getting involved with this company. They do not have your back, they don't care about human life!!
Reviewed June 4, 2026
WORST THAN WORST!! Charges appeared from nowhere in stores in New York and I was in Colorado, then now I made a mistake sending money, misspelling the name of the person and CHIME SAID THEY CAN DO NOTHING. The person did not respond to 5 requests to return the money ($500) and they said I HAVE TO FILE A REPORT on someone I don't even know and they can do nothing to make him return the money. File a report to who?? There are 5 or 6 persons with the SAME NAME on CHIME. The worst part is that the money WAS NOT MINE. Is a handicapped girl who needs to pay the rent, and I don't have that amount right now.
Reviewed June 1, 2026
Deposited a $1,900 check from TD Bank — a major national bank. Chime estimated 4 days. It has been 9 days and they are still holding my money citing vague ‘security reasons’ with no explanation. Customer service was useless and couldn’t give me a single specific reason for the extended hold. Will never deposit a check through Chime again. They are fine for direct deposit but do not trust them with any check that actually matters.”
Reviewed June 1, 2026
No fraud protection. No responsibility for your money. I opened a chime account to participate in a group who makes purchases exclusively through chime. Immediately I began to feel pressured to purchase and as soon as I made the purchase the seller began change terms. I requested my funds to be returned. I called chime with in moments and was transferred to fraud who said they would call us back. I returned to my group. Several participants made purchases and were still waiting for items.
Fraud department never called back. Out group blocked this person- if it was human- and never received goods with purchase through chime. I have called chime on 3 different occasions. Now it’s been 6 months. I lost 300.00 and there was no respectful response to my loss. The way to rectify this situation and for the public to not deal with chime. Go to a respectful FDIC insured institution who will assist with fraud. This is another pay day loan rip off and is run by Trump enterprises.
Reviewed May 30, 2026
I recently opened a Chime account or so I thought. My partner sent me a link to open a Chime account, and we would both get a referral bonus. I called about this referral and was told that I had a Chime account opened in 2023 (not that I remember) so I said that wasn't me, so they closed my account. That's not the issue, closing the account is fine, THE ISSUE IS there is money from my current employer's direct deposit and Chime absolutely refused to refund that money, saying it's not in their policy. They outright stole this money from me and Chime is the worst company I have ever dealt with. DO NOT USE THEM.
Chime Company Information
- Company Name:
- Chime
- Website:
- www.chime.com
