Chime Reviews

Do not use Chime! The credit builder account is not protected. It is not a federally insured bank account. If fraud occurs, you will not get your money back and they will not stop the company from continuing to take your money even if you file a fraud case. They will say they are investigating and do nothing. You will never see that money again. Chime expects you to launch your own investigation and upload any findings or correspondence to them. I work 16 hour days during banking days so how is that possible.

Chime closed my wife account with hundreds of dollars still in the account. We are not able to talk to anyone to get the money back!

I have made 2 disputes with Chime. One was for a charge in China or somewhere in that area. Which was denied. The other was for a Sunoco gas station which there's no Sunoco there. It's a Chevron. I noticed the charges and disputed it. Denied. I let it go. Then on my other account, which wasn't Chime. I disputed it on my other account. Immediately responded back to me and money back in my account. With the knowledge that there isn't a Sunoco at the address of the transaction. I then opened the dispute back up with Chime. With additional information, and then also denied. Tell me to contact the merchant. How there is no Sunoco there. Let alone 10 miles of one. That I know for sure I don't go to because of where it is.

Chime is a joke. Stay away at all cost. Customers service must have a combined IQ of under 10. They don't listen they simply apologize for the inconvenience their company has repeatedly caused. They simply read if they can..from a script like half witted monkeys waiting for a banana treat. They don't even follow their own protocols.... They simply apologize for not doing so. God forbid you have to file a dispute... My advice.. Save your time and energy because they simply deny deny deny without any explanation. Chime will have to pay for their mistakes. This by no means a threat.. Just an honest to goodness promise.

The SpotMe have changed.. The app will not let you use your spot me unless that person sends you one first which is completely bogus when the used to let you spot anyone on Chime which results in me not being able to use my spots.. I used to love chime but corporate greed is slowly creeping in.

The staff and customer service are extremely rude, they escalate problems and don't solve. Chime of course like most American greedy companies outsources their customer service overseas, there the staff barely speaks English and treats you terribly. Chime also logs you out of your account periodically by itself and won't allow you to log back even if the information and password is correct. This happens at critical moments like needing to pay a doctor or medical bill, Chime logged me out and wouldn't allow me back in even though the password is correct. American businessmen should be ashamed. American customer service for the American people is what's right. But the elite don't care. This is the result.

Although the loans are nice, I'm finding their ai runs the entire bank and human reps do nothing. Most do not understand English language and I'm constantly missing money. I'm on a fixed income, count every cent, I'm getting ripped off. Experian boost is a joke, drops bills off constantly and then you're credit drops by 70 points. Credit not accurate at all. It's a damn mess.

My grandson passed away 9 months ago. He had an account with Chime. His estate went through probate and I am the executor of his estate. Chime completely disregards the court order from probate court. Will not send money to his estate unless they send to his old apartment address where he hasn’t lived since he died. I’ve been going back and fourth for six months to close and get the money he has for his estate. I would never recommend this bank to anyone. If you’re going to bank use well known bank that’s been around. I didn’t have one issue closing his Chase account, Bank of America, life insurance or stock account. Mind you, he only had 100 dollars in this account and they won’t give it up! Wow!

I can NOT say enough bad things about Chime. It is horrible. When depositing a check online it takes 5 business days to get it. When you call customer service you speak to an automated person and it takes forever to actually speak to a live human being. They never can resolve problems. I am closing my account and warning you to not open an account with them. It is a scam.

A friend recommend Chime 2 years ago to build my credit 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

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.

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.

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.

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.

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.

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.

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).

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.

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.

I got scammed through Chime. Called to report it. The first customer service person was very rude. Asking me, "Well, did you make the payment? Does it show you sent it, so what are you asking me to do?" And then when I kept questioning, they hung up on me. I called back and got another person who was friendly. They did tell me that they were going to open a dispute. I feel that they weren’t really opening it because I never got an email saying a dispute has been opened, and I haven’t heard anything else. I even had screenshots of the scammer telling me it was a scam and if I want my money back, I needed to go talk to Chime. I would not trust Chime to help you with any fraudulent transactions. I would suggest to not even use Chime.

Don’t even THINK of using Chime. 3 days ago I called to upgrade my card to a credit card from a debit card. The rep CANCELLED my card. I contacted customer service, they are mailing me a new card. The rep said he would overnight my card. 3 days later I have not received. Spoke to a supervisor and they mailed me a card 7-10 day delivery time. He said they have NO WAY to overnight a card. Soooo- I cannot access over $1K because they cancelled my card w/out my knowledge. MF’s. I am canceling my account.

I been with Chime about 2 months now. I been mostly satisfied until now. They offer SpotMe Boost then they lower it, raise it again, then lower it. I keep getting ripped off on my SpotMe boosts. I send people; they never reimburse for it. Then when you call to talk to someone, they can’t do anything to help you, a waste of your time. Those operators can’t do anything to you, completely useless. I don’t know why the people like working for them. I’m on hold to talk to a manager, been waiting for 10 minutes already, and nothing. I would not recommend them; all they do is lie to people and make promises so people can switch to them, then you get nothing they promise you. Chime is a joke.

I have been with Chime for 10 years. Everything was great up till now July 1st 2026. I was robbed from my chime debit bank account. Chime never send me a alert that someone was requesting money from my account. Someone charged my debit to pay Mobile PO $178.00. This was at 7pm. I went to bed cause I am disabled and I woke up the next morning I looked at my chime app and noticed that my money was wiped out. I called chime the same day. I explained what happened so they said to me, "Oh we will do investigation and you will hear something in 90 days." Then he said, "On the 17th you will get your money the whole 178.00."

Chime Bank advertises all these great things unfortunately, when you deposit a check with Chime bank and it’s not a direct deposit there is a one week hold on every check. The funds leave the issuer's account and chime bank uses these funds for five business days and sometimes six business days. They post payment at 9 PM Eastern standard time on the fifth business day, which actually counts as the six business day which is 6 PM Eastern standard time so any payments you have on that account will be declined unless you plan on the funds posting six business days after your depositing if you’re paid every two weeks with a traditional check, chime bank is not beneficial to you when you do the math. You’re actually tying up your funds for 26 weeks out of the year which is equivalent to six months of interest. If you’re calculating your interest at 3 1/2 to 4% a year do the math. Chime bank is stealing your interest by tying up your funds for 26 weeks out of 52 week year. How does that make sense?

First I’d like to say I have had no problems or issues with Chime until 2 weeks ago. I was on vacation in the mountains of Missouri when my Amazon account was hacked. Chime would not refund my money… They wanted a police report… Sent them pics of proof of where I was at the time I was hacked… Denied my claim twice. Really thinking on switching banks… Really don’t want to.. but it was like they didn’t believe me which is really disappointing. So don’t get hacked unless you get a police report 'cause they won’t reimburse you!!

Horrible customer service close my account for no reason because of a AI security mistake. Did nothing different in the last three years and I have before it's suspected fraud that they can't even tell me what was suspected because I have no reason didn't review. They told me they called back and they would open my account back up. Don't don't tell me anything that's wrong. Tell me you can't open my account back up for no reason they can give me until an algorithm conducted by Ai and some bull and now I lose my account that I have had for 3 years. 3 years. It's ridiculous. Worst customer service and worst help I ever had.

Chime is the worst bank I ever used. The mypay service sucks big time and customer service can't help at all with anything. Don't get chime!

I had a scammer use my information to create a fraudulent Amazon account, and purchase things. They likely purchased their own backstock, as they sent it to my house. Because I had no access to that fake account, I couldn't return the items. Amazon customer service told me that my bank needed to file a dispute for them to help me further. My dispute has been denied 3 times. Chime is not going to help me. I lost $259.08, and have two boxes of worthless drop-shipped junk taking up space in my house.

They are horrible. I have had money come up missing from my account and provided information to the person or person's that I felt were responsible for doing so to suddenly being told my claim was denied so I have lost around 4k using this bank. They tell me to provide information to help my complaint but as soon as I did based on what I could give them they declined my claim within 24 hours. Just because I think I know who is behind it doesn't mean I approved it or freely gave it away and I don't feel that it's right to fraud happen to me and then have a financial institution back it by letting them just get your money and go.

I’ve been a member with Chime maybe a year or more now. Things have been going fine until I recently got a credit alert that my score had dropped 11 points with one of the bureaus and 9 with the other, putting me down into the 600 range. The reason was showing that my credit balance had gone from approximately $256 to an $800 balance. The credit builder is, you put money in as you need it and spend it. I’ve NEVER had $800 in there OR have a balance due of $800. After contacting chime, no one can seem to help me or tell me why, but they want me to file a dispute. The department (at Chime) that handles this type situation, you cannot talk to a live agent. They will only deal with it through email.

My wife is looking for her paycheck. Her work paid her and yet she has not received her money.

I was with this bank for 10+ years. Had one mishap and they can’t even help me. How pathetic. Not professional or customer service savvy. I’d take my biz elsewhere.

Don't trust Chime with your money. They don't care if they steal from for. I report it the same day and they didn't do nothing for a whole week. Asked again and now they say, "You're on your own." I'm starting to think one of their staff is stealing. 16 transaction for $5 and one for $20 and they say they can't help.

Money taken out of my account that I supposedly pay someone but they never received it!! Chime was not helpful in trying to resolve this. I filed a dispute for another transaction on May 16, 2026 and as of today, June 12, 2026, nothing has been done! I am very unhappy and will not make any transfers and probably won't keep this account much longer.

0 stars. They steal money..cannot help help even if it's an emergency.

I will sue Chime for discrimination. Mark my words

I've read a lot of reviews on Chime banking. Many people have been with them for years and very happy. Some have had issues. I can't talk bad about chime banking. But I can let you know about my experiences with them. It takes about a good week to deposit a check. No matter the amount. I deposit a check Friday morning and will finally be available by Thursday after 8pm. I've heard of people depositing checks and available same day. I've heard of people that aren't able to deposit a check. Guess I'm kinda in the middle with for me takes forever to be cashed.

Chime is the worst to do banking. ATM DID NOT DISPENSE ANY MONEY. NOW I HAVE TO FIGHT TO GET IT WHEN IT WAS NOT MY FAULT.

At one time I really liked banking with Chime but after I found out how they do things I don't find them as a favorite any more, Here's the last incident I encountered, A friend of mine asked me to help her out, she's going thru hard time, I chimed her some money thru the mobile app. She has chime also, anyhow she couldn't get into her chime account because she lost her phone service and chime wanted to send the prompts to her phone, this was May 30th. So I called chime June 3rd and tried explaining what happened, your gonna love this, the live agent told me she's gotta get into her account to refund me the money, I told her that if she's in her account she doesn't need to refund me the money. Gezzz. It went back and forth like that for a while. She just said I can't get a refund on that to send it to her another way, I've never heard of anything so ridiculous and I'm a CHIME + MEMBER , Yeah you all enjoy your day.

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.