Chime Reviews

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.

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.

My wallet was stolen, and unauthorized payments was in my account and Chime would not dispute the fraudulent charges to my card.

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.

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.

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...

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.

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.