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.
Visit www.chime.com- 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 July 24, 2026
A friend recommned Chime 2 years ago to build my criedt but instead, Chime destroyed my account with my bank and I was out of pretty close to a grand, they are frauds, 2 years ago this past Jan, they hacked my cellphone and tried remoting my cellphone and then I did a system restore on my phone and they froze my screen, not even my cellphone company or samsung could get it unfroze but I did get it unfroze, Chime is a fraud
Reviewed July 23, 2026
Chime support does not help anyone, they can't explain anything to me about my transactions on my account, can't tell me why there's money missing out of my account that should've been deposited into my account. They didn't help me get my money back that was missing, explain the reason it was missing or anything at all. My account app is not working correctly and there is either a glitch or it's been hacked and they still didn't help me when I called customer service.
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Reviewed July 21, 2026
DON'T OPEN ACCOUNT WITH CHIME, READ FIRST. I opened up an account about 5 years ago with Chime and from day one they had issues verifying my passport. One agent said, "We don't accept passports," excuse me a US passport is harder to get, harder to fake than a crappy ID or license. I had to email them my passport just so they could accept it. That worked for only a few months and again I couldn't access my online account, I tried again to call their support and again the same freaking issue. 5 years later I gave up trying to access my online account but I used the account daily. I'd receive funds from my boss, my employer every week, direct deposit. I got a message a few weeks ago that my Chime credit card has expired so I need a new one.
Now I didn't have a choice. I renewed my US passport which I received by DHL just yesterday. I called Chime right away to update my ID and verify it. I was on the phone 45 minutes with an agent who had me verify my passport 4 times - once on the computer and 3 times on my phone. I had to take a photo of my passport and a selfie, which I did. Every time their system couldn't recognize my US passport. I explained it's brand new, the first page has a thick plastic box surrounding it, maybe that's your system. Come to find out THEY ARE NO HELP, I currently have $1,158.22 in the Chime account that I can't access because of their system. The agent finally hung up on me due to her not being able to do anything.
I couldn't talk to a supervisor because they can't transfer calls, I can't call a different number because that's ALL THEY HAVE, I can't email their support because again the only support is a phone that no one can help you with. DO NOT BOTHER WITH CHIME ANYMORE. How can they after 5 years of the same issues not have another way of verifying me. Yes, I've contacted a few government officials to federally go after Chime. This post is more for others to close their Chime accounts NOW before it's too late. Do not join Chime, they have no official office, no morals and they are thieves, you will next!
I have been in contact with management for almost a month now trying to remove my money but still issues. They don't give you options and my passport is still showing up blurry in their system, Scan ID. Their system hasn't worked in 5 years since I started with them and still now nothing has changed. I'm writing this so you think about finding a different company than Chime. I am not the only person that has this problem nor will I be the last but I will fight against Chime to ensure this doesn't happen.
Reviewed July 20, 2026
Close my account without explanation and refused to give a reason. I contacted their customer service knowing I did not do anything wrong and they would not tell me what I did wrong. Horrible customer service. After many years of being a faithful customer they treat customers like dirt. I would encourage people to use a different company.
Reviewed July 18, 2026
Do not use this bank. They have too many security breaches. 1k was stolen out my account on a locked card and provided them with a police report and they still refuse to give me back the money.
Reviewed July 17, 2026
I would never recommend this bank. Nothing but liars. Cashed my check by taking a Pic. Told me it would be a week before I get the check then they wait until the day it was supposed to be in my account then they say the Pic wasn't good enough. Then I finally get my check and they did the same thing to my other check. I called. There nothing they can do. Worst experience I've ever had at a bank. By the way when call you can't understand the people at all. Shady ass company. Good luck to ya banking here. I'm done.
Reviewed July 15, 2026
I have been having problems with charges from Roblox on my account. I have not given out my card to anyone. They have refused my dispute and refused to give me back my money. I will be finding another bank.
Reviewed July 14, 2026
Chime is shielding thieves after they physically stole $3,100 from my account. On April 14, 2025, individuals deliberately removed me from my business premises, took physical possession of my phone, accessed my Chime account, and transferred $3,100 to another Chime account under their control. I filed an official police report #** with the San Diego Police Department documenting this as grand theft. The report contains the names and addresses of the suspects. I also filed formal complaints with the Consumer Financial Protection Bureau (CFPB) and the California Department of Financial Protection and Innovation (DFPI).
Despite all of this, Chime has denied my dispute three times. I even contacted Chime executives via LinkedIn — they claimed they would investigate, only to later send me the same generic denial. This is outrageous. Chime has clear evidence that this was a physical theft, yet they continue to protect the perpetrators and refuse to return my stolen funds. I demand the immediate return of the $3,100 that was criminally taken from my account.
Reviewed July 14, 2026
Very unsafe banking. Credit card account, they allowed anyone to get your money from your credit card and set you in negative balances, and your credit is destroyed. And when you applied transaction takes more than 3 months, and still not clear if you get your money back. Not safe at all. Very disappointing.
Reviewed July 14, 2026
Absolute trash! My phone was stolen and someone stole thousands of dollars from my Chime account. This person has been charged with credit card fraud and theft but chime won’t refund it even with all requested documentation.
Chime Company Information
- Company Name:
- Chime
- Website:
- www.chime.com
