Chime Reviews

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.”

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.

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.

Worst Banking ever. I lost $264 and denial my refund case from using dhgate.com.

Chime is the worst bank I have ever dealt with at this current time. I would not recommend them because they do not refund your money back to your account from orders that were cancelled. They will tell you the pending transaction has been removed but you will not get a refund.

Chime was great at first (until I filed a claim). In 6 yrs, things were great! My account got infiltrated. I found the claim and the fraud department was so rude to me and open and close my case within 24 hours. I had outstanding evidence proving that someone got into my account and they reopened the case and closed it even faster! Even the supervisor was so rude that she hung up on me! She did that twice! I would not do a Time especially the fraud department because they do everything in their power to stop from being blessing you your money even without standing evidence! I regret every banking with them and I would suggest that no one does in the future! I'm going to fight this unto the end because my money is hard-earned and they seem not to care about it.

Quit dealing with Chime people. They let almost 3,000 dollars of my money go without my permission. I'm disabled. I could not see since February of 2026 and I did a dispute and less than 22 hours they denied my money back. The worst ever and they have no up on my face. They are terrible.

Opened an account with Chime. They claim funds available immediately and even early. Set up the account, made the mobile deposit amd then was told the funds wouldn't be available for more than a week. We need groceries! We spoke, my son and I, spoke to 3 different reps most of which were difficult to understand. We got nowhere. They wouldn't even cancel the entire account. That is stealing money! Why would a payroll check be held so long especially when they advertise the funds are immediately available. Terrible service. Falsely advertising and no one would help! We can't wait over a week for this to process. That is an unnecessary wait time.

One star for the impressive ability to receive my $2,300 payroll deposit while simultaneously pretending direct deposit somehow still isn’t set up. Signed up through a referral promotion for the $100 bonus. Payroll deposit hit the account successfully. Money went IN just fine. Funny how that works. But according to the app, I still need to “set up direct deposit.” Customer support has been a masterclass in scripted stalling:

Big mistake filing my taxes through Chime. I always get my tax returns right away through FreeTaxUSA. It's been 4 months. I hear that this is often a problem the first time you file through Chime.

I am extremely disappointed with my experience with Chime and I feel obligated to warn others before trusting this company with their hard-earned money. I experienced over $1,000 in unauthorized charges and ATM withdrawals on my account, and instead of receiving support, understanding, and protection from the company that advertises itself as being customer-friendly and modern, I was treated with disrespect, frustration, and complete disregard for my financial hardship. The unauthorized activity on my account caused me severe stress and anxiety. These transactions were not made by me, and I immediately did what any responsible customer would do: I reported the fraudulent activity, filed a dispute, and submitted documentation to support my claim.

If you value your money and your sanity, do not do business with these scammers! Buyer beware!

Terrible!! I have deposited thousands of dollars into my Chime account. The one time I needed them to review my dispute of $40 being withdrawn from an ATM that was NOT my doing, they denied it!? Instead they INCREASED my daily withdrawal limit as if that is common a sense thing to do. The location and time of the withdrawal was given so if any “investigation” was done, they would have pulled up the ATM video and compared to my picture ID and seen it wasnt me. Again, $40 so it's not the point! It just having deposited thousands, why would I b.s. over $40?! Their resolution is claim denied but will will increase your withdrawal amount so you can get scammed for a bigger amount next time. Absolute buffoonery!!!

BEWARE!!!! Your money is NOT SAFE here. I had over $3,000 stolen from my account, notified them within hours and they didn't stop our reverse the transactions. I have asked multiple times for them to recover the funds, but they give some vague denial. Closing my account as soon as my paycheck gets deposited so I can set up my new bank account.

I had a Chime account for 6 years. I used to love them, but recently I hurt my back and I was sitting at home and I heard my account go off and even though I was sitting at home with my ATM card in my purse, next to me they were allowing people to withdraw money from my account out-of-state. I called and reported it within 2 minutes. The worker told me that she can see that the people are still trying to withdraw more money out of an ATM over 3000 miles away from my home. I had Locked my card as I called chime but they still allowed 1 more charge to go thru. I talked to their representative. I reported as fraud.. The representative calmly told me, "Oh, it's normal for people to clone cards. Don't worry, we'll have your money back in 10 days," which was too long.

Incentive programs. They have so many "fine line" details they do not at our even when you sign someone to Chime. I signed up my friend and because she didn't activate her card within 14 days of direct deposit neither of us got paid.

I unfortunately fell for a scam and sent money on this app. Once I realized the extent of the situation, I reached out to Chime who said they wouldn’t really be able to help due to the instantaneous nature of the transaction. Financial institutions should have better consumer protection measures for their clients. I definitely won’t be using Chime in the future, knowing that it is full of fraudulent activity that is condoned and assisted.

Yes I've gone through better business for this. My purse was stolen from my car along with my tablet and phone. Well the phone that was stolen is the number that was linked to my account so it was not hard for them to get into it. Well 5000 dollars was stolen from my account 500 from CashApp. Also cash app returned my money. I gave Chime everything. They asked me for the person. Left behind a lot of evidence he used. Then I forgot my password button on chime app and it show that he had the password link forwarded to their email. They also transferred money to their account twice. Chime told me they secured my account then how is he still getting into it. All I want is my money returned. Now I had to file complaint to few places. Going be A long drawn out process.

Tells me my check will clear by Friday. Still waiting. Oh yeah. It doesn’t clear during business hours. It clears when everybody has closed up for the day and are already sleeping. Good luck with customer service. Thank you is all they know how to type. My normal bank has it available right away. Chime is 5 or more days and a 8pm or later availability. Next time I’ll wait until I’m back in town and just use my real bank with real English speaking people. Why do I chime? So I can’t have access to my funds during normal business hours.

I've been with Chime for 2 years now. As a disabled guy I find their tactics unprofessional and overall a total 💩 show! They don't speak English well at all and their dispute platform is horrendous! They don't answer your questions they don't take any responsibility for their actions either. I am now in the process of leaving chime for current which allows a way way better pay day advance than chime does! Their my pay is a joke completely! They change your my pay monthly it goes down more than up. For instance 2 solid consecutive years of direct deposit and I barely get 200 in my pay!

I would give ZERO stars if I could. They "couldn't verify" my mobile deposit. It was a check from National Grid! I called and asked them to review it manually and they outright refused. So now I have a 1,000 check that isn't worth the paper it's on. Can't open a new account somewhere else because I don't have a non-driver's license and my expired ID is over 10 years old. Is that on me? Yes, but with how New York State works... it's red tape around here! I would not recommend Chime Bank at all! They don't do anything to help you. Go to somewhere local.

I've been a customer of Chime bank for 5 years and never had a problem with depositing my paychecks but on May 8th 2026 I deposited my paycheck using the mobile check deposit section of the app (as I've always had) and Chime paid me 200 of my check and told me I couldn't get the other 370 till the following Friday 05/15/2026 at 6pm. How is that I had asked. The check from the payee cleared their bank 05/12/2026 and yet Chime hasn't deposited the funds into my account, so where's MY MONEY??? This is unacceptable, especially when I have children to take care of. They're causing me to borrow money that in turn is costing me money to borrow so They're non integral actions are not in the customer's best interest, they're actually making money with interest charges on my money that they're holding that shouldn't be held.

I was charged 32 times $2.00 per fraud in the middle of the night Will not return my money.

I will never use Chime again. I disputed a transaction because I was scammed and they basically told me tough luck - nothing they can do. My bad for trusting an online sale and badder for trusting Chime. Basically they make it ideal for scammers because the scammers have no repercussions which is why I assume they use Chime. Chime should be refunding my money and going after the scammers. In my opinion Chime is as much as a scam as the scammers that use it. I guess as long as the money is flowing through Chime - they don't care who or how it is used.

Deposited payroll check May 9, Boss says cleared bank. Been a customer 2 years. Won't pay me until May 15...think something fishy and now cannot pay my mortgage... Don't do business with them, also never had a problem with the account.

Don't get chime. They rip me off. I verified my id and they wouldn't update my info so I could get in my account.

That was charged 22 times while I was sleeping with my phone was suspended at the time. I thought of dispute time. Denied it. Last month my account was traded over $600. I filed dispute trying denied it and that was when my bank card was stolen. They keep letting people take money out of my account and I keep telling it it's not me. I ain't got proof this is not me and he's still allowed to happen. I have 22 charges within minutes apart wake up my whole bank account but try and denied my dispute. They are a bunch of ripoff. Is a ripoff company. They overcharge you and they just let anybody take their money out of your account.

Updated on 05/25/2026: Refused to give me refund on transaction then after closing my account they reopen it stating I gave them permission when I never did. If you value your money or social don't use this.

They give you a hard time about unauthorized debit. It took them less than 24 hours to make a decision with me. From a company that is known for debiting customers' cards without consent. Beware.

RUN! Run far away from Chime. Was a Chime Customer for eight years until, this year. When someone fraudulently used my account. Customer Service is horrid. Had to sue this company.