Chime Reviews

I had Chime over 3 years and never had any problems until this weekend when I get a email saying my account has been closed. I called. Tried to get answers and they said it doesn’t show exactly why they closed the account. Now it says they will mail my check within 30 days. Please don’t ever ever trust Chime with your money because they can close your account whenever they want to for no reason at all. I'M SO MAD. They are a scam. Please be warned. Don’t use Chime.

The worst customer experience ever with customer service. Guy's name is Jake. Of course there's no i.d. They can give or last name or anything to refer back to him. I've been fighting a dispute for $100 for over 3 months that I did not charged to my account. It's some weird company and time will not back me up and reimburse me on my dispute. I live on a fixed income and I absolutely cannot afford anything being taken out of my account fraudulently. Never mind the fact that it's $100. I asked for help over the course of three months and they would not help me. There's a lot more but this is what I'm starting at.

I have banked with Chime for a few years, and never encountered such a problem! My card was used fraudulently for a few charges, so I submitted a dispute, had to replace my card and then wait weeks for their “investigation.” They closed my dispute claims and said they didn’t find any issues, so of course they didn’t refund my money. I called customer service but they weren’t any help at all, she just kept talking about the conclusion of the investigation, but wouldn't provide any details for their “findings” because if they did then they would have noticed I didn’t make these purchases.

I signed up with them, after a day of being with them they locked my account to say they need proof of identity and proof of address, sent that… they still didn’t unlock my account. Now my acct isn’t in compliance with their policy, so I asked what wasn’t in compliance with your policy and they couldn’t give me any answers and I been going through for a month and they suspended my account… and if you ask me they don’t deserve no stars…. ** YOU CHIME.

The email that is with Chime is correct but they are telling me it isn't. They have held my stimulus checks for a month now problems with my retirement checks. Will not let me have access to ATM eather.

Chime stole all my money in my account. They shut the account off so I couldn't access my money that was just deposited into my account. They don't respond to my emails. I have direct deposit from my job and they said I wasn't in compliance with their deposit agreement.... With a direct deposit from work?? Chime is a scam and steal less fortunate people's money. I have read that they have stolen stimulus and ss payments. They have been sued numerous of times for theft. Please do not set a account up, go read all the reviews first. They are horrible. They don't communicate with you after they just close your money off. My kids did not eat for 2 days!!!! I had nothing, I mean nothing when they stole my money. I have yet to receive it and they won't respond to emails

I have been with Chime for over two years. Was going well until 11 am today when my account was closed. I am extremely frustrated and upset because I have done nothing wrong for this to happen to me. I received an deposit last night and now this morning I was told my account was closed with minimum information. My account needs to be reviewed and reopen immediately. I won't be treated in this manner.

My experience with Chime has been absolutely terrible. I opened an account in January and made an initial deposit of funds. However, when I attempted to log in a couple of days later, I was locked out of my account. When I emailed customer service, they asked me to send them scans of various documents to confirm my identity, such as bills, with scans of envelopes showing my home address.

Ok so starting out I loved Chime, I felt like the safety of knowing you can't bounce anything was great.. The addition of having Spot Me and Boost... They were great too...but wait... using our card we all are going to run into times when we need to Dispute a charge right... I have been in good standing, have my direct deposit going in regularly, so when I disputed a charge for 101.00 to a supplement's company, I would hope it would be handled like other banks...BUT NO... I entered my info, emailed supplement's info, and still nothing. No communication. But the biggest problem, they don't credit you when you start the dispute.. I was originally upset about this.. But now 28 days later I really don't think they are going to rectify my dispute, so I'm now researching other banks to see if this is par for the course or just Chime... So if you ever think you may dispute a charge then Chime is not for you, as they will not refund the disputed bill.

I have had banking for some time now and I’ve had past issues with them. I had an incident where my account was compromised and I went through their procedure just to come to the outcome of not being refunded my money back into my account. I then had to go through legal procedures to get my money back. Another time recently I received a torn $20 bill from a ATM recommended from the ATM locator on their app and the service was terrible. None of the workers knew how to go about this nor did they have a clue as of how to help. I’m currently still waiting for a outcome. Looking to cancel my account with them when this issue is solved.

I made a dispute about furniture I never received. It was fraud. I had all necessary documentation and they still denied my claim. How is that even right? If it was the person that disputed the claim they would want they money back as well. Documents they sent me was something to do with PayPal.

I have had this Chime account for a month and a half. I have not had access to my money in weeks now. I have my payroll going into my account. I have not received one debit card from them and have my account to where I cannot transfer my funds not EVEN to another Chime member. I literally have my rent and bills sitting in the account and am not able to touch it. I have called dozen of times. I have submitted their paperwork and still not one single employee or supervisor at that has fixed the issue or allowed me access to my money.

You guys didn’t let my tax return go through. Now I'm going to have to wait another two weeks in order to receive it. THANKKKSSS! All you guys do is steal money from people. “Spot Me” my ** is that? Another way for you to bite off people’s hard earned money because you guys are vultures. ** this company.

I recently opened up a Chime bank account and I deposited $900 on it. In two days we used it to pay several bills. There was $323 left on the account. They shut my account off, wouldn't let me retrieve my money, sent me an email telling me they have to let our payments process for 14 days and that we wouldn't see a check until after the 14 days and that they'd be emailing us out a check.

I've been using chime for 4 years now and really never had a problem until now. I was really excited to use the mobile deposits feature in the app. I had used another prepaid debit card mobile deposit feature and I was sadly disappointed and ended up closing my account with them. So when chime add that feature I was excited. I thought I learned from my mistake the first time using these apps to cash checks, But no I tried it and signed my name on the dotted line did all the steps they asked me to just for chime not to cash my payroll check.

They allow fraudulent transactions and will not dispute them. My account was wiped out and I can not get my money back. I've called them multiple times. I have 33 unknown transactions. $155 gone I can't get back.

My experience with Chime was good at first and then some things change over a year ago. Fraud in my account which was shocking, got an error in my email, called customer service and they was acting clueless. I will not go back to them again.

Never would have thought that I would be going through a situation like this one! Okay, so I’ve been banking with Chime since August 2021. It nice and all being able to have $105 in spot me which can help if I don’t have money on my account & something need to paid for. So on December 24 Christmas Eve I have to emphasize the day because most banks and businesses closes early this day. I just got paid and had about $1000 dollars in my account. After paying some bills my account balances at $735 dollars.

Deposited a check through them, they make you write on it and then if you cancel it for whatever reason or they deny it your stuck with a check you cannot cash! The customer service was of no help! I will not use this bank again ever!

So I signed up for Chime, sent them my ID picture of my face, all that stuff. Everything went through fine. Got the debit card in the mail and everything. Upon my very first paycheck deposit direct from the company I work for I was locked out of my account with NO indication as to why. The only good thing about this experience is that the deposit was canceled and sent back to the sender so I didn't have to deal with Chime anymore. They wanted proof of ID (which you need to send them to sign up for their site), my social security card and a bill of some kind sent to the place I live. Well I have no bills directed to me personally at the place I live so I sent them the letter from my employer, I sent them mail from insurance, I sent them mail I got from paypal, I sent my ID and my social security card. They did not accept it.

Total fraud. Over 5000 complaints for fraud on Chime as for today. They wait until over $1000 on account and then steal it. No refunds, all phones/email replies disappear. Filed with Attorney General, FBI etc. Hopefully isthmus scam will be closed and those criminals from San Francisco arrested.

Everything was good for a year. Then mysteriously, I could no longer transfer to or from my bank. Chime and Bank (Suntrust) said it's not on their end. Chime suggested I delete the bank and re-enter info but app will not accept bank info. Don't know why. I suppose I'll have to just use up the money in Chime and close the account.

I called before opening and account. I explained they unique deposit situation.. I receive VA benefits and I broke my payments into 4 parts. Minor's name in care of me. (I had a serious illness and will stuff this set up was better.) They said receiving it would be not problem.. So payday came around and they rejected all checks because the name didn't match. Of course this was in the middle of moving into a new place out of state. We needed that money for travel cost and trailer. So now we're left sol. Till the VA sends out the check. We're supposed to be out in 3 days.

Another online bank with no help for Fraudulent accounts. No 1-800 number to talk to anyone, you have to email some ghost. Can't talk to a CS Rep because Chime is too cheap. If someone opens a fraudulent account in your name, Chime don't care - they just want money. Good luck trying to clear it. Another good reason not to use this institution. Customer service has left the building.

God forbid you stay at a hotel for an extended period of time. They can't help you if you have a prior authorization. Over $700 in prior authorizations which they won't or supposedly can't fix the issue. Go away from the company and go to a real bank.

They closed my account for no reason. After I transferred everything over to them. It's a scam. Do not bother getting a account. They want to determine when and where you can spend your money. This is garbage. No notice. I didn't violate any policy or engage in fraudulent activities.

I’ve been with Chime for a couple years now. Bank is pretty mediocre. There’s been a lot of problems with false charges and I’m not the only customer to have this issue. They always have issues with the new cards you have to set up. The info in their system never matches what your new card says so they send out a new one and it’s the same cycle of waiting 2 weeks with fingers crossed. They do have a virtual temp card but they canceled mine because I had a fraud charge. They have “no idea how it happened” (I’ve only used this card on Apple Pay for a couple of stores so pretty sure either they are getting hacked or they sell info) and they left me with 0 access to my money until I get a card.

First of all - I really love Chime overall, the Spot Me feature, no fees or overdrafts, etc. I’ve reached a point though where I need to move on to a “big boy” bank since Chime doesn't offer joint accounts and constantly transferring money back and forth between my wife and I is getting annoying. Another major thing is that Chime is treated like a pre-paid debit card by most vendors. I’ve ran into an issue recently where I was not able to rent a car due to them not accepting Chime. And going to a Family Dollar to deposit cash is getting tiresome as well - it just feels like you’re not really part of an actual bank. This is great for young singles and personally, I absolutely hate big banks - it pains me to move to Chase - but until they actually develop themselves as a “real bank”, I need to move on.

Chime is inconsistent. They lure you in by getting your direct deposit about 5 to 6 days early. After that don't expect it until the designated date of employer, or benefit date. They will lower your spot me without any reason why, and will not post to your account the bonus 5 dollars you're supposed to received from friends called boost. I have had 3 months where friends sent boost never to be credited to my account but have my spot me account lowered from 60 to 50 to now 5 dollars. Their reps are all remote half the time dealing with screaming children or other domestic affairs, and any correspondence sent is never answered but then you are penalized for complaining or stating missing monies.

Be careful folks. I had fraud transactions on my Credit Builder card and they refused to protect me and refund me for those transactions that I didn't authorized. This company is a scam. You won't be protected against fraud. There are many people with similar experiences online. Don't do business with them.

I have been with Chime since 2019 and it seemed like a decent bank. That was until I had to call and report a fraudulent charge. The representative I spoke with lacked customer service and tact. The fraud process is a complete joke and they do not even attempt to assist you in obtaining your money back or even sending you a new card in an effort for it not to happen again. I have other bank accounts and Chime has to be the most lackluster one of them all. Instead of trying to assist their customers they are more concerned with how to make a dollar. No one in the disputes department could assist me in getting my money back instead they simply advised that it wasn't valid and hurriedly dismissed my claim.

My wallet was stolen and my Chime card was used at a store I’ve never been to. Filed a dispute and even reported my card lost. Chime denied my dispute saying no issues had occurred on on my account… Chime's policy is if they are still investigating your dispute within 10 days they have to give you a credit. Chime didn’t even spend 7 days on my dispute. They denied me quickly with no hesitation just so they don’t have to give me a credit…. I’ll no longer be a customer of chime after this.. DONT TRUST CHIME WITH YOUR MONEY!!!!

All was good until I wanted to deposit funds from my home refinance. They DO NOT accept valid wire transfers and they would not deposit a mobile check from a a valid Wells Fargo Escrow Account, even though they say they will accept mobile check transfers $10,000 or less. The only response I received was that they couldn't verify the funds. It's Wells Fargo on an Escrow Account, meaning funds are immediately available! Now I have to scramble around to figure out how to get funds there. Thank goodness I didn't completely get rid of my local bank account. Very poor service.

I have had a Chime account since 2019. I have been using it as my main checking and savings account, and eventually obtained the credit builder account as of May 2021. As of August 2021, I will never trust this corporation with my money again. It all started when I had to reach out for the 3rd time that mouth about a reoccurring fraudulent charge (Suspicions in itself). In result of feeling disrespected and abandoned by the folks who have access to quite literally all of money, the conversation became unproductive and emotional.

Claim online that they are better than a bank. That's **. They are just as bad as a bank or worse with deposits at least a bank goes in right away but Chime's policy has changed 5 business days before a deposit shows up. False advertisement.

This is the most difficult and inconvenient operation I have ever done business with. They didn’t accept any of the checks I wanted to deposit while I have them and it costs money to deposit cash. They are making it impossible for me to withdraw my funds after closing my account because “the system messed up” and didn’t fully send it to my real bank account. Now I have to jump through hoops and fight them daily on trying to get my $1200 back. They are terrible to work with and I could not stress enough how badly people need to avoid them.

My account had been hacked while I was in jail. My purse was stolen at that. I told this to Chime, and every time I'd dispute a transaction that wasn't mine, they would deny it. My refund was stolen and chime don't care!

I was a Chime member for 2yrs. Promoted chime to friends & family. Mid July I needed replacement cards. I did my part to verify myself. No, I didn't get them & have closed my acct. No I haven't received my check as of Today. I'm disappointed! Overnight my CHECK. You overnighted debit cards to both addresses after I verified my new. CHIME DROPPED THE BALL.

I’ve been waiting on my dispute for over 30 days now & all they can tell me is it’s being investigated. Smh. Can’t call nobody from the investigation team. THINK HARD before using them. Might as well use a regular bank.

It took a week just for a transfer to post, and once it finally did all my transactions were declined because when I tried to activate my card over the phone it kept telling me I had to enter sixteen digits after I already had, several times. Everything they do is designed to force you to download their app and bank that way, rather you want to or not. Now that I want to close my account, instead of just transferring the money back to the account I sent it from they want to mail me a paper check, that "may take up to thirty days" to get here. I'm sorry I ever opened an account with them in the first place, and definitely wouldn't recommend them to anyone.

Basically Chime has tried to stop me from receiving my provisional credit from my dispute I placed for 113 transactions. On the 9th day chime closed my dispute as completed and consider all transactions that took place were no error. (I have provided written proof that I was in mental Facility during the transactions in question.) I also provided a police report as the perps who did this are individual who was working for the facility I was admitted in due to them having my belongings (phone, wallet, etc during my time there) however, chime denied and completed my dispute unlawfully, unprofessionally and unethically.

I made a purchase then didn’t need the service I paid for after all. I spoke to the merchant and they had not received the payment yet and was told to speak to my bank. I called Chime immediately. I was advised to file a dispute. The time frame to get this resolved I want told was October. I called to check on the status and a supervisor informed me that my case was handled incorrectly and a dispute should never had been filed. I spoke to 3 different supervisors and all 3 had different resolutions.

I don't even know where to begin... I requested a new credit builder card twice never received it. And tonight Axl, one of the staff in the department cancelled my card because he said it was reported stolen when I never reported it stolen. Now I have no access to my funds for the next week. I called several times and they hung up on me 4 times! I finally spoke to a supervisor who claimed that my card was active until Sunday. I went to use the card after being told this and it was still reported as stolen so I called again and they wouldn't even listen to what I had to say. The guy on the phone when I told him my concerns told me that I could just pay for my gas over the internet. Extremely incompetent. Worst bank there is out there. Had issues since the day I opened my account. Can't wait to close it after I can finally withdrawal my funds.

While there are definite positives to banking at Chime, to me, the negatives far outweigh them. Some positives are that you often get direct deposits a day or two quicker, which is nice. And you can overdraw a certain amount (starts at $20 I think - despite their claims about $100, and slowly moves up. After 2 years I'm at $80) without any fees. There aren't any of those pesky bank fees which is nice; however, I'd rather pay a small fee and get decent service, which brings me to the negatives.

So I've had Chime for about 2 months now. I have been pretty happy with them. I absolutely love their credit builder and the spot me but recently I had a hold on my card for uhaul. After I returned the truck they would refund that money and take what I actually owed them. Everything on Uhaul's end was done. Chime however never refunded that money from the hold. They are trying to say that it was released back to my account but it wasn't. Not only that but they also completely make the hold transaction disappear. They were not helpful at all with getting my money back to me. And they need to not take hold transactions off of your statements. It should be in there that it was taken out then when it is refunded back it should show that also.

I really wish there was a way to give negative stars!!! This joke of a bank should be closed immediately!! I had 5 unauthorized transactions on my account and tried contacting Chime as soon as they happened and was told I had to wait until they post and then file a dispute which I did. On the 10th business day I get an email stating they denied my claim and will not be receiving any credit! Wtf! All they had to do was pull the video footage! I have since filed a police report, filed a report on CFPB, BBB and FDIC against them and if I don't have my money back soon I'm filing a lawsuit! This scam artist company should not be allowed to do this with our own hard earned money!

My account was suspended without warning for no valid reason and they made it extremely difficult to get my money back! It took me over a year to get a check mailed to me. They demanded a ridiculous amount of information for a trivial amount of money and tried to refuse to close my account and refund the money. Chime will try to steal your money!

I was a member for four years. Just switched to Chase and added my direct deposit yesterday. I fear my account being closed for no reason and also tired of being declined for no reason. I’d rather be paid on my actual day than early.

Chime is a mobile banking app. I have very mixed feelings about Chime. It is VERY frustrating that they boast about their two-day early direct deposits, when in actuality it is VERY RARE that they even deposit my paycheck in my account two days early. It's very willy-nilly on the timing. Also, they are VERY hard to reach. I had an issue trying to pay bills online. The only way to "talk" with anyone at Chime was through their chat. It's frustrating that every time I had to get out of chat to do what they had me do, I would get another person and have to start my story over and over and over and over and over and over. I finally got so tired of re-explaining things I just paid another way on all my bills.

Horrible customer service. Was on the phone for 1 hour to resolve an error on their end. Caused insurance lapse on my auto. Got transferred 6 times to different departments just to hear that the company would not immediately correct their mistake. I'm already looking for another bank, this one is garbage.

Worst company ever, they let me order and set up my acct and card and I even was able to load funds to it but one day afterward went to get cash to pay a bill and was told for random reasons my acct is closed. Oh and no you cant speak to a real person and the emails are automatically generated so guess it sucks if you want your money back and was told via robot email that my money after 3 weeks should be sent out in a check form like wtf really and it's been well over that and still no check. Shocker. You dont throw your rent money away to these thieves like I unknowingly did because you wont get it back.

On 04/24/2021 Google*Luxy Limited $423.99+$254.39=$678.38 I filed a dispute with Chime Banks Dispute Dept., was given a time frame Of 90=07/24/2021, that they would have a final decision to refund the said amount listed above. It is now 90 days today they still haven't made a decision, nor have they returned my funds. It's been constant game playing for 90 days, now they are saying that have all night to make a decision because they're open 24/7.

Getting a Chime card and account was the best idea I’ve had in years. No overdraft fees, no surprises and the app is amazing!! Big banks scam is but chime is not one of them. I can’t say enough about it and I’ve had it over a year now!!!

I love it. I opened it thinking it was just some bogus account but I fell in love with it. It's everything. I recommend it to my friends and family. Why wouldn't you have a Chime. At this day and age they're really lit.

Chime has been a blessing from A-Z. From getting paid a little early to having a Spot me, and then be able to get a Boost?!? Really? Awesome, as well as my one dispute was handled promptly. Excellent!

I have had an active Chime checking account for about 14 months now. All of my deposits, transfers, withdrawals have gone absolutely smooth. The Spot Me feature is amazing if you ever get into a bind. Soon after I add it on the Credit Builder card and immediately saw an increase in my credit score. I now have a chime savings account. Between the three I can transfer funds immediately. No delays, no hesitations. After banking with some of the larger Banks out there I feel like the customer support for chime is way better. Outside of a local credit union this is the absolute best option to go! I have been very happy.

Best bank I've had so far. I love the Spot Me feature. As well as getting paid early. The only cons are some places don't see it as a "real" bank and that there aren't a lot of free ATMS in my area. Other than that it gets 5 stars.

I signed up for Chime well over a year ago. I have never once had an issue with app, card or my money. I have savings, checking, and credit builder card. Highly recommend to anyone. When they say free they mean free!

Chime gives a breath of fresh air in the mobile banking sector as being one of the first to offer a larger option to overdraft without charges than any other company. Would highly recommend. Thankful for them.

I would like to say, this bank has been a total blessing with lots of perks to add in. They are good at keeping me informed on any transactions that were made without my knowledge, and just sent me a new card right away after I had to submit it stolen. They also care about their customers.

Chime is everything they claim to be. They help me get through the month with Spot Me and friends can send $5 boosts to increase your Spot Me. They have a $75 referral for successful sign ups and so much more. Thanks Chime.

Absolutely love this card. Helpful in all aspects of managing account as well as their credit builder card is helpful as far as getting my credit score back on track. Would recommend this card to anyone that's tired of the runaround with traditional banking institutions.

I opened this account basically just to get my direct deposits into. However, I have opened up a bank account, savings account, a credit card, and debit card without any chance of overdrawing this account. This was my first actual bank account all by myself at 42 years old. When I say I cannot over draw my bank account, I mean that they front you money until your next paycheck comes in without being penalized for doing so. I also get my paycheck a day early. However, when I was a temporary at my job I did get it 2 days early. So that depends on your HR department at work as well.

Chime has been nothing but great for me. I get my paycheck and other allotments early, they spot me up to a hundred bucks instead of charging me fees and not clearing the transaction. I don’t have to worry about any hidden fees either. Moving to chime was the best decision I ever made. Now the brick and mortar banks are trying to imitate chime while discrediting it at the same time. I am also a veteran so my disability also got to chime and there are times when I get it three or four days early. If you don’t do anything else this year, give chime a try and I bet you will not regret it. You may not want to use regular banks ever again after using chime. Thanks.

They help you get paid early and spot you without fees to your next payday!! They added Boost now that you can send to friends. With more improvements to Chime. They keep trying to do more for the consumer!!!

At first I was skeptical about going through a banking app. I had heard so many mixed reviews, but I've been dealing with Chime almost over 6 months now and I actually Love It. They're understanding when you have questions, The No Fee Overdraft is amazing and they have many no fee ATMs around the city that are easy to find and withdraw money. Also I have a Chime Credit Builder Card and just within a month my credit has went up 50+ points. I LOVE THEM and I recommend to any and everyone.

It's easier to use than traditional banking. Plus, they protect my finances far better. I'm very happy. I also love my credit card. Everything is very easy to use and understand. I'm always recommending Chime to friends and family.

I do everything with Chime all the way up to fixing my credit so I can buy a house next year. Anyone can use this card. It's great for elderly people to get financial help when they need it. The money goes straight to their card for quick use.

I love Chime, they are easy to Bank with and I enjoy getting paid two days early. Also I love the credit builder options and the sweepstakes they offer, although I haven't won one yet...lol. Fingers crossed!!!!

Chime is the best banking solution I have the privilege of using. My funds hit early and on time every time. Then their credit card is simple to use and has been building my credit. Chime was a excellent investment.

Our family loves Chime. It is so easy to transfer money back and forth to each other and between our own accounts. No overdraft fees and you just tip if you want if you overdraft and they cover. We are def a Chine family.

I have had Chime for about 4 years, and I can honestly say it's the best thing! I love that spot me has my back when I get in a rough spot. And credit builder is amazing! My credit score went from low 500s to over 700 in less than a year. Customer service has always been amazing too. Also the app is so easy and convenient, I always know where I'm at financially. Best bank ever!

Decided to use Chime debit card for the first time specifically to make monthly rental payments. Had no idea (guess I didn't read the fine print) that the daily spending limit was only 2500.00. Well I paid a few smaller bills online with my Chime card, then when I tried to pay my rent, it declined the transaction even though the funds were there. So now Chime has my money but I can't use it for 24hours? Can't even transfer the funds into another account! Not good when your rent is late! Can't even get gas for my car! Will only use a brick and mortar bank now to pay pay major bills. Customer Service agent was sympathetic but of absolutely no use to me.

I have been with Chime for over three years. It has been the best experience by far. I can always count on them for A1 service accurate service and my paychecks always make it right on time. I love me some time.

My credit score has gone up since I got the credit building account. It's been easy and hassle free. Fits most situations plus the customer service is awesome. The app is user friendly. Transfer money with ease

So I have been banking what time for about two and a half years and they are always coming up with new features and new ways to assist their customers. Chime is the best banking financial institution that I have ever had and I've been with quite a few. They have an awesome no fee overdraft program. They allow you to transfer money to other members they have, the 2-day early deposit and they also have the credit card which helps build your credit along with many many other amazing features. Since I've been with them they have progressed so much within a short period of time and I am so excited to see what's to come in the near and far future.

Chime always has your back. No matter they great. I will never use no one else. If I need to call them they always talk to me and very helpful and very kind to me. My woman uses chime also and we love it. They always watch your account and if they think it's wrong on buying something they will make sure it's ok.

Chime has been really great. They are always a efficient and very patient when I call. I love my banking experience. They are really amazing. I would recommend chime to any and every one. Go get your chime account.

I have been with the Chime family for over 4 years, I have never had such better customer Care, Service and Banking handled so flawlessly. When we went through the hardest time of all our lives, My chime family created a way to be of more help to us. They too had been affected by this Pandemic and still thought about Me and my family. If you have a concern or a dispute the bot system in place is extremely helpful not to mention the response time from a representative once you file your request. Just know if you pick CHIME they definitely have your back. "Chime for the whole family."

I have had several different prepaid credit cards, but Chime was different right from the beginning! I needed to pick a card for direct deposit of my husband's paycheck, and received so much more! We have the credit builder card, and the SpotMe is an extra that has been a true blessing! Thank you chime. Keep up the good work!!!

I love my Chime account because I get paid 2 days early through direct deposit, my account is secure. Chime has boosted my credit score from my chime credit card and the spot me is amazing and has helped me budget my finances. I like that there is no monthly fee and I have the choice to go negative or not!!

I have been with Chime for probably two years if not longer. In the beginning I joined out of convenience and necessity, it was easy to send money back and forth between a few people who already had the card and the lack of fees and extra charges is what made it even more appealing. I quickly fell in love with the card I decided to enroll in direct deposit and shortly after it became my primary financial institution. I have access to free ATMs all over Phoenix Az. I don’t pay any extra fees for cash back or penalties for low balance. Soon after I was eligible for spot me feature and it was great. It covered me on those days where I may have been short. But the time I realized the integrity of the company was during the Covid pandemic. Man let me tell you. They raised the spot me for so many. They gave out prizes and benefits. They gave an option to use the chime credit building card.

Used to bank with Chase for 6 years, switched to Chime after seeing their commercials on t.v. Have had a much better experience and services with chime, chase pays on the day and goes by a deposit date. With chime, they deposit once received and it's usually between 24-48 hours. With spot me, it's a great feature to have if you have a bill due last minute, groceries etc. Overall, very happy with the services. 5++,

I filed a dispute that was only supposed to take 90 days, because of the amount I didn’t qualify for a provisional credit and that was fine because I submitted documents showing that I paid my insurance company and they canceled my insurance after they gotten the payment and I had to quickly get insurance with another insurance company, after speaking to the dispute Department that took over 3 months, they stated that it wasn’t an error and my money will not be put back in my account. UNACCEPTABLE, I do like Chime for the fact that I get paid early BUT their customer service is RIDICULOUS, I know if I had this problem with a reputable bank, then I know I would have had my money back immediately without having to wait 4 months. DO NOT BANK WITH CHIME

I've been with Chime for over a year. Chime is great. I will never leave chime. My pay check is there on every week on time and in tight spots. The spot me is great. It's got me out of a bind many times. And instead of paying a bunch of overdraft fees all they ask for is a tip which I try to tip them a few bucks every week. I hope chime takes over all the banks. Banks are rip offs bb and it got me for almost 800.00 and Wells Fargo had to send me money back that they took off me for no reason. Chime has never took nothing from me. Bottom line Chime is the number one banking system and as long as they are in business I will be a customer. Keep up the great work chime. Ya'lll are the best in the business.

Chime's really helped me out with seeping on top of my money. They’re always more than helpful. The credit builder card is a great way to learn about credit building while you do it. Overall I would definitely recommend chime to a friend.

They work fast for any issues that you may have. The are no monthly fees....I've never been so satisfied with my banking and savings with Chime. It's so awesome. I really encourage anyone looking for free banking to consider chime. If you wanted to contact myself for their link we would both get referral $ on your first deposit...**

Chime has been the best thing ever. There is no overdraft fees and they will spot you the money you need. I love it so much. Been with them 3 yrs and will remain. If you don’t have chime I suggest you get it.. I’ve been in situations where my funds was low and chime stepped in and had my back. There is no better mobile banking out there..

I’ve had Chime for almost 1 year and I have nothing but great things to say about it. I haven’t had any issues and I get my deposit 2 days early every week and my tax refund and stimulus checks all came 4 days early. My credit score went up by 40 points since using the chime credit card and my spot me increased from 20 to 70 bucks. I am so happy with chime and don’t see myself leaving them anytime soon.

I have other online bank accounts, but by far Chime has been the best, Chime gives you the control over your banking needs. You can save, manage, move money, pay bills and now build your credit. No no traditional or other online banks do that. I refer everyone I know. Thank you Chime!!

I actually really like Chime. Every time I call customer service they always figure out the issue and make it right. I also love the fact that it's genuinely fee-free overdraft. And not to mention I get my paycheck literally 2 days earlier than everyone else!

I've been with Chime now for 4 years and I absolutely love it.... My deposits always comes two days early and I love the benefits I get from them. Spot me is amazing. It comes in handy when I need extra cash. I would recommend this card to everyone. Trust me. You will not be disappointed.

I have been with Chime for years and I love it. I never had a problem with them and it’s so many great things come with using chime. They solve issues quick and fast and your pay days be much faster than others.

I was referred to Chime through a good friend, because I still had an out of state credit union. Skeptical at first, yes. But this has been the best banking experience I’ve ever had to date. Thank god for the spot me perk, it has saved me SO many times! I couldn’t ask for a more convenient way to bank!

I have been with Chime for several months now and I can tell you that it's been the best experience as banking goes in my entire life. I would without question or hesitation recommend them to anyone. Their customer service is exceptional and puts all other banks I've dealt with to shame. It's been an all around great experience. Thank you Chime.

I’ve been with Chime for more than 2 years and have experienced a lot of benefits including the SpotMe feature. Before the pandemic money transfers between accounts was limited. However, this was changed due to the pandemic to allow more flexibility. I really appreciated that. Customer Service is excellent and their response time is good. Also, having the access to free ATM at big retailers is a plus. I’m going to continue to bank with Chime because of the flexibility and features that are offered.

I have never had issues with this bank. They provide free over drafts when you need up to $20. Depending on how much direct deposit you receive. They have a secured credit card option as well. Only down side is that you will not be able to use this bank for any investments. The companies who allow the use of online banking is limited in regards to loans and credit cards.

When I first selected Chime for my direct deposits, I did so because of the ease of enrollment and the fact that it was free with no credit checks. After having the card for a few months, I was introduced to their credit builder program which piqued my interest, as I have an awful credit history. I signed up for the secured credit card, with little expectation of the unbelievable results that ensued. My credit has gone up at least 80 points since I have been using the credit builder card. It really is truly phenomenal and I recommend this card to any and everyone.

I'm happy with my Chime checking account but what is an annoyance is the two step security forced on me cuz if I was given a CHOICE I wouldn't have it. I don't like that because sometimes I'm not near my phone to see the security code needed to access the site and that mean no access to my account. Other than that I like the service and have had no problems with it.

I've been making with Chime for over 2 years. I've never had an issue. I've always gotten my paycheck at least one to two days earlier in addition to any of the government stimulus or refunds that we've received as well. Their spot me feature is the best thing since sliced bread. The customer service is above and beyond. I definitely would recommend this bank to anyone who wants to be able to overdraft without fees and be treated like you're more than just a number.

I've banked with them for a few years and didn't have any big issues, but, I recently had a large purchase from an online furniture company that put 2 pending holds on my account and after 8 days the one is still on there. Neither Chime or the furniture company will take any responsibility for removing it and I can't use those funds. It's time to switch my direct deposit to an actual bank.

Chime needs to be investigated for false advertisement. I didn’t receive the $75 referral bonus for referring my roommate. They say if you sign up you’ll receive $200 in “Spot Me” overdraft protection but it’s only $40. I’ve been using the credit builder card for over four months and it still hasn’t been reported to the credit bureau. So far everything that they’ve promised has been a lie. They have fake incentives to make you sign up and more your direct deposit over from your other bank. Then when you call their customer department they just give you the runaround. They always have to escalate to a department you can’t speak with, and that department will just send you a generic email. They’ve sent that same generic email for 3 different problems. After 4 months of using the credit builder card and it not being reported to the credit bureaus I closed out my account. DON’T DO BUSINESS WITH CHIME

I want Chime to delete my personal info. They advertise all over tv, internet, etc wanting people to sign up. I applied. AFTER!!!! They got my personal info. They turned me down. A DEBIT CARD. DONE done

I love Chime early deposits. But it has no bill pay services. So the checking account I wanted to close I have to keep open in order to pay my credit cards and mortgage from the other bank. I wish they would update this. At least during the pandemic they refunded ATM fees to me which my other bank did not do, even when the other bank closed 3 bank branches near me. Chime is saving me a lot of money. Just please add billpay so I can get away from that nasty bank.

I was going to switch from Serve to Chime, but found Chime too difficult/slow for money transfers. Serve allow immediate transfers if you have a debit card set up. Chime doesn't offer this feature. And, they bombard their customers with promotional emails even if one unsubscribes to them!

Initially, Chime took pretty good care of me. However, I failed to read the fine print concerning daily withdrawals. Chime doesn't allow more than 500 dollars per day to be taken from an ATM, or Transferred with Western Union, and/or MoneyGram. Typically I don't make withdrawals this large, however, I am trying to catch up on back rent, so that I won't be evicted. At the moment, my apartments are only accepting transfers, because the balance is past due.

They never did.

Chime changes every time I get paid. I joined to receive my pay in advance and the company fails me every time. They will even lie about sending a credit card and will not send it. Tired of Chime. Might as well get my hundreds deposited into a real bank!!!!

Was using the online bank Chime little over a year and my account got hacked for 385. I spent five plus hours on the phone with customer service 90% of the time on hold. Had to call back three times in those five hours!!! Long story short they let my account get hacked for 385.00 then told me, "Bummer you're Out that money"!!! Thieves. That's what I would classify chime bank as!!!

Yesterday I tried transferring funds from my Chime account to my personal Bank of America account. I was not able to because I was prompted to activate my chime card. However my card has not arrived yesterday nor today. I called customer service and the issue was not resolved. The options were to link to a 3rd party institution. I tried that with Cash app and it still did not work. The other option was to pull it from my bank, but if I do that I will be charged a fee. Another option that was presented was that I can shop with the temporary card. Which is not what I'm trying to do. I'm not trying to shop. All I want to do is move my own money from my Chime account to my personal bank account and I can't because my card has not arrived which is no fault of my own.

I had several instances where deposits were delayed and drafts were double charged. After attempting to get this taken care of, there was no resolution other than to switch online banking systems. I now use Green Dot (affiliated with Walmart) and the service is excellent.

I have been using Chime for about a year now and I have been very pleased with my experience with the app and I will and do recommend to anyone who is interested in the online banking services. I have lost or had stolen debit cards on a few occasions and with Chime account I can go to the settings and turn off my card and order a new one in seconds and the credit builder card has been very helpful in repairing my credit. I still use Chime today and can not think of a negative thing about it! Oh and they also have spot me where they offer you a certain amount of overdraft and it is fee free, it has been helpful on a few occasions when I needed it most.

Great bank with no fees. Get my pay early..Easy to pay my bills. Take the money right out when I let them write a check. Left a bank that charged fees for everything. Grateful I found this bank. Also found this bank to really makes banking easier. That's why I changed bank

I would like the option to deposit cash wherever, whenever but currently that's not an option. I'd also like to be able to put more than one linked bank and have the option to choose it before I use the card for purchases. Otherwise, the service is just fine and it's FDIC insured so that's the reason I went with Chime.

Chime is a great online bank. I’ve use them for a few years now. One of the plus’ is that they have one the highest high-interest savings accounts. Additionally, your finances are always at my fingertips. Unfortunately there was an incident 2 or 3 years ago and Chime locked all account holders out of their accounts for several days. The m those days were a horrible nightmare. And they weren’t answering calls. I had to miss work, couldn’t get gas out, buy food, nothing. When they got back up and running, they sent a $10 deposit into my account for my trouble. I’ve since gotten a credit Union account so I have a physical bank available to me.

I was skeptical about this app but you need to risk it unless you'll never know and I don't seem to regret that choice. I feel secure and satisfied because Chime uses crypto sign in and Including upfront payday so if I need it at the moment Chime will have my back and that I can tell you is a fact.

The secured credit card offered for anyone with challenged credit is a wonderful feature for rebuilding credit scores. Signing up is an easy process. Setting up the paycheck direct deposit was a straightforward process as well. We're happy we found Chime.

This bank is great. They have free overdraft protection. I get paid day earlier than my payday. I can’t say enough good things about this bank. No fees, lot of free ATMs. Free use at any store or online.

Chime is a decent option for utilizing an online banking system. They provide monies earlier and provide general help desk service, but getting someone on the line to help is always difficult in brief time slots, like my lunchbreak or drive to or from work. I have run into problems with depositing in the initial stages, but otherwise recommend Chime for a quick access banking option.

Chime has a great system of products for its customers. SpotMe features an overdraft system that allows you go up to $100 negative before your next payday. Currently it's $200 for some. Also, the Credit Builder credit card. It works like a credit card but you use your available checking account funds to make purchases. Then it pays them off like a credit card, reap the benefit. I've already seen my credit score go up.

I like the convenience of this bank and it's easy to use banking. I would recommend this bank to anyone. There's no lines or anyone getting you sick. Paperless statement is a great way to save trees also.

They are the best online banking company out. They meet all of my needs and don’t have the ridiculous amount of fees as traditional banks. They offer a good deal for those who sign up for direct deposit and I always get my paycheck early.

Chime is one of the better online banking sites. The security is top notch. Just wanted to where I can barely get into my own account. They offer everything all the other Banks offer. Just had a better deal. In my opinion nobody else comes close. They have over 30,000 ATM locations and the app will help you find them. They have a cash back program that's so good you can even qualify for cash back on some bills. For those of you that have poor or no credit they have a secured credit card from building your credit.

I have never experienced any negative issues with Chime. I’d have to say it’s the easiest bank that I’ve ever done business with. I love being able to get assistance immediately via text. Keep up the good work!

Easy to access your money, you can link your traditional bank account with them too. You can transfer funds within 30 minutes or so. It doesn't take that long to get your deposit from your job. I love the app because I can manage all my finances. Overdraft protection if you need a little help. Great online bank.

Hello. I like Chime Banking due to its easy flexibility of being available when I'm able to handle my account. Also the no overdraft fee is great for those of us that sometimes forget what we have in our account. Plus with chime is so easy to make deposits...simply snap a photo of it and that's all. Plus you can borrow up to 100$ for any reason. I've been with other online bankers but none made it seemed to feel like you're part of a family.

I hate it because they won't let me have an account. But I was able to have one before. It keeps telling me that I am not eligible for a Chime account. I have tried several times and it tells me the same thing every time.

I never have any issues with Chime, I did at first but seems to work fine now. Now I do love that it is free and I have also earned the metal card with the credit card part and I enjoy that as well. I love the option that it totally sends money into my savings with no hassle.

I applied for a Chime prepaid debit card. I was denied. Why I have no clue. But ok that's fine. A couple of days later I received a chime card in my name in the mail. So on May 07, 2021 I go to 7 11 and load $500 cash money onto the card. That night I go to withdraw some cash and was declined! I call the number on the back of the card and find out they closed my account! I checked my e mail and received an email congratulating me on opening an account then on the same day received another email saying they closed my account!

On May 17, 2021 at 5:22 am I got a text notification that my phone number had been updated in the Chime app and then got an email that my email had been updated as well. I immediately tried to sign into my chime app on my phone and I had been completely signed out and all the sign information had been changed. I then called chime and report the fraud and did as I was told, emailing the support with such information as to what should be read on my account, and here I am 3 days later with no communication from Chime, no response to email or the information I have sent verifying my identity. I'm so fed up with crap it's unreal. It's like they don't care that someone or something has breached your livelihood. I will never recommend this bank to anyone ever.

Chime advertised 2 day early direct deposit, that's about the only thing that works as claimed. I routinely send deposits from eBay managed payments, and it can take 2 or more days for them to arrive, where a real bank (Chase in my case) they arrive within an hour of midnight. Customer service is useless, they don't bother to explain why they hide my money for multiple days. In fact they pretty much give you no info at all. Once you sign up for credit builder they automatically move your deposits into that, rather than letting you choose when.

I have been a Chime customer for a couple of years. This year they started the Chime credit builder. I've been working to build my credit so I signed up thinking it would be a good thing. The first thing the "credit builder" did was doing my credit and it went down 30 points. I decided that I didnt like that messing with my credit that way especially out the gate so I opted out.

Chime without warning rejected my Restaurant Revitalization Grant. The grant was in my name the same name on account. They sent it back and now I am left waiting to see what happens. The customer service was horrible and did not help at all. They should have given their customers warning not to have these funds deposited. It happened to others 9 months ago so it was an issue they were aware of. I am closing my account with them and warning everyone not to use Chime.

On April 24, 2021 I noticed fraudulent activity on my Chime Credit Builder card. On April 22nd my card was used fraudulently 6 times at exactly 6:05pm at Target's in Las Vegas NV totaling $1,142.36. On April 23rd my card was used once at 7:58pm at Target in Henderson NV totaling $192.00. April 24th I noticed this activity and called to dispute these to Chime. I filed the dispute and sent back the dispute form as requested. Chime cancelled the card and stated that they would mail me a new card. On April 24th my card was again used fraudulently at Target 13 times at exactly 8:04pm. I again called Chime to dispute these charges and again was told that the card was off and that the disputes department would look into this and that it could take up to 90 days. At this point I spoke to a members services agent who told me that the card had been used at multiple different locations around Southern California at the exact same minute.

On April 15th 2021 they lock my account with no reason then they ask me for transfer from American express and one with one Robinhood transaction so I send it to them. Second email they want to verify my identity. They want take picture with my id and then front and back. I send them two American express serve with my information about my refund and my kids stimulus check. I try to call them. You need to go verification process with no answer. I send them proof of address from the state and I send them copy my tax return. I risk my information thru email. My personal id and SS and legal documents. After all the run around then decide to close my account without any explanation. I see I feel discrimination and dealing with corporate America on different level. Poor and rich. I want to share with everyone for future reference.

UPDATED 5/11/2021: Chime replaced my $40 that was taken out of my account May 10, 2021. I’m thankful they did. I was able to contact someone via the Chime app and email. All those whom I spoke with was able to successfully put my money back in my account. Thanks Chime.

I hate banks. They rip you off, charge you interest on the fees they tack on for EVERYTHING, overdraft charges for overdraft protection (what?). Deposit a check into your account and who knows how long they hold it before you can access it..yeah, no thanks! Chime, literally, does none of the crappy bank stuff and does everything you really need your bank to do. I just deposited a large check, using the mobile check cashing feature, on the first attempt and you know what the fee was? ZERO.

Do not trust Chime. Somehow my credit card info got stolen (their new credit builder card) after a week of me having it. Someone tried to make large transactions that didn't go through, and some did. Now my account is negative! I disputed the claims and they said I had 9 business days to fill out the form. After 4 business days, I get an email saying that there was no billing error. I was physically at work at the time, I have proof and my employers can verify. I have been with Chime for over 5 years and I have never had a problem until now. I have also never had my info stolen either so I guess it's an okay bank unless somebody decides to steal your bank info. The dispute process can take up to 45 days or more and now my account is negative and they will probably try to shake me down for the amount. If you don't mind your money being stolen, this might be an okay bank for you.

These people are unprofessional, and thieves. I had 13100 deposited along with 500 taken. They made it to where I can't even contact them and closed my account. BEWARE. Don't trust them. They are not legit nor care for their customer.

Every single customer service rep will recite the entire book on how not to provide you with any customer service resolutions at all. They will let you know that they can do nothing about it so basically I would like to do something about them. I would like to encourage you to avoid this disgusting business etiquette and all the many problems that will follow. If you need a bank then I suggest you go to a real Bank. These banking apps are not accepted everywhere. They are not acknowledged in certain aspects but most of all a bank that refuses to be a bank that tells you that they can do nothing about the money that you put in their Bank. Whatever that situation is avoid this horrible horrible business.

I had 1072 taken from my account when I was incarcerated sent them my booking and release papers and still denied me even though I was locked down. I've had to dispute this since 2020. They closed the claim - didn't notify me.

I called them and warned them about text and emails saying I changed my account info. I called them and they said they didn’t see anything, Then 5 mins later I had no access and over 3300 was taken out of my account, I called the next day. They refunded the money and made me changed my email info THEN had the nerve to suspend me for suspicious activity.... A little too late for that now. Now I have no access and please don’t try calling them because they can only be reached thru emails they say and they don’t respond to them. It amazes me how they know nothing when it comes to needing answers. They’re good if you never have fraud occurs because you will be treated differently.

I love Chime so much. I have been with them for 4 years now and they are the best deposit card around. Would highly recommend them to anyone. I love the fact that you get a deposit two day earlier than you are supposed to and sometimes it earlier than that.

Chime is easy, the card is mailed quickly, support around the clock, you can build your credit, send money to anyone anytime, no overdraft fees, you can choose to have a portion of each check saved, round up purchases, very secure, you can transfer your money from your savings, checking, and credit builder, the list goes on about all the amazing features! And you can link all your other bank accounts! Would recommend to anyone!

I can't say enough good things about Chime. Chris ** & Ryan ** have created an online banking experience that is bar-none. The platform is engaging, personable, easy to access & enjoyable to use. Worried about customer service? Well, though their CSI bot could use more programming to help it identify and solve problems of a more nuanced nature, it will nevertheless connect you to a live human being whenever asked. Type "I need a human" et voilá!—and the human will be friendly and helpful too (they have been to me). I could go on and on about how great this online bank is, but I have to get back to work. If you don't already bank with Chime, I strongly encourage that you give them a chance. You won't be dissatisfied. Happy banking.

I have been with Chime about 2 years. Very few issues until recently. They claim my account was compromised. I don't believe this. They suspended my account. They refuse to reopen. I have complied with all the request for identification, driver's license and photos of this and that. It has now been nine days.. they deliberately and maliciously have taken me around in circles and played games. They have over 4,000 complaints against them just in the state of California where they are located in San Francisco.. I believe they are all so racist. I have gone through stuff and been talked to very disrespectfully.. they do not care if the money in your account is yours or where it came from or if you need or not. They have no scruples, no integrity and I do not recommend going with chime..

Mobile checking, direct deposit...etc you have to check it out it. Got everything you need! Great customer service. Quick on responses timing on balance information. Cash out at any 7 Eleven and load it at 7 eleven.

I got it just to check it out, but I've loved it, now it's my main bank. Specially the credit builder and savings on it. It has really helped me out a lot. I recommend to all my employees. Only thing not that many spots to get all the money you want out. But there are 2 close to me, so works out.

I've been using Chime for a little over a year now & haven't experienced any problems whatsoever. Everything from receiving & accessing your direct deposit 2 days early to helping me rebuild my credit is absolutely superb. I love the Spot Me feature, Round Up goes into a Savings Acct, & multiple ATM access is off the charts. It's nice to finally have a bank that cares about ME not just my paycheck. Keep up the good work Chime. I truly appreciate how you appreciate me & the amazing job your company does to meet my everyday needs & the lengths the company goes to making sure me & my account are safe is very impressive. I highly recommend Chime to any & everyone looking for safe, honest, & efficient online banking. Thanks Chime!

Great online bank. Love getting paid early. There are really no fees. My online complaint is about the app me feature. I've been having my direct deposit sent there and have used the spot me feature many times but my limit has still yet to increase. It would be nice if that could be increased once in awhile for steady customers who use direct deposit.

My card was stolen and it only took one click in the app and my new card was on the way and the old was already cancelled in less than two minutes. Nowhere else can you grt that service without any cost to you.

I was referred by a friend and neither one of received the $75 referral bonus. All they could say is they didn't see it. They couldn't give me any answers for why it wasn't showing up so we were basically screwed out of the $75 bonus.

Chime is getting people for their money. They closed my account. Soon as I got my stimulus check, my income tax return and also my unemployment they close my account with nearly $10,000 in there. They asked me for documents that I provided more than enough. W2 forms, proof of ID, proof of address, all of that and they still do not want to open my account telling me no refund. They are scheming and lying to people. Do not get them. I'm currently trying to file for a class action lawsuit. They need to pay for everything that they're doing. If you go to direct deposits website you'll see all the people that are going through this as well. They are sending our identification the other states to sell them so we can be frauded. They have my kids money in there. They have my money in there. They put me through so much stress for almost 2 months now. This is ridiculous. Everyone needs to hit up the BBB, the OCC, also get in contact with your local news station and tell them about that as well. This really needs to go viral.

At first everything was pretty good! Sending money to family was so easy and instantly received, earned 1.0, no fees, extra $40-$100 offered free that you can borrow to cover overdrafts if necessary even! I thought wow this is how banks should be! Several months go by and interest rate suddenly drops no warning, few weeks after that my account is suddenly frozen without warning or with permission or even a notification sent to me and how I found out was when I had an emergency a day or 2 after it was frozen. I needed money right away of course and I couldn’t use my card or get any help from them to send money to my husband's account even, NOTHING. They pretty much said, "Oh well you’ll have to wait for the new card in the mail!" I was told it was because they thought a fraudulent transaction was made which it wasnt it was mine and they declined the payment on top of it.

Overall I really like chime but the $75 reward they offer to you and a referral doesn't happen. I've contacted them and after 3 months have still not received the "bonus" and my referral has not either.

Their website doesn't work and their customer service is non existent. If you try to open an account make sure you have a newer phone that can get all the pictures they need for verification. No old phones allowed and no other option like emailing photos. They use bots to reply to emails. You cannot get any help with your problems and there will be no resolution other than locking you out of your account. I'd hate to think that they can lock people out with money in their accounts and you would be left with no customer service to handle your problem.

So, I got my stimulus check after a while and decided to use their mobile deposit. And it got rejected...did it again, it got rejected, did it again...got rejected. Customer service on the chat server decided that I probably should have the US Treasury go ahead and reissue the check that I had to wait two months for...so great. I'm not going to do that. I plan to march to Walmart and have them cash it for me. Mainly because they cannot verify that there is a software error that is throwing the check back. So, a software bank company is extremely great at that. I told them it came from the government. I gave them the address. I just opened it. So great..."Sorry, it was rejected, we can't do anything about it." If you can't do anything about deposits, that's a basic function from banks. So I'll go to Walmart and ask them if they have a bank account.

Started my account in early March. Deposited $20 on the 13th of March (luckily started with a small amount). Went home to see if the deposit worked. Opened the app and found out my account was suspended. I received no notice by email or phone that my account was suspended. Called supposed customer support to ask why my account was suspended, why I wasn't notified of suspension and why I was allowed to add money to a suspended account. I got answers to none of these questions just that I needed to send an email with 2 proof of identity and proof of residence. Did that and 3 days later received an email saying they needed a pic of front and back of ID. Did that and 4 days later they said they needed a pic with me holding the ID to my face and again proof of residence.

Awful customer support. They don't care if you use their bank or not. They don't care if your info has been stolen. They'll just tell you to deal with it yourself and use a different bank. We won't be using this bank again, but it's not like Chime will give a crap!

I do not even bank with them and they allowed someone that does have an account to direct deposit and steal all my stimulus money. First they said they would send me an email with information to give to the police never got the email called back 4 more times and now they deny there was ever an account with that number. They refused to give me their name and ID #. I’ve emailed corporate no help!I have filed a police report. The IRS appointment hotline gave me the account # and bank and phone number. But they didn’t see a name on the account.

Horrible banking experience! I have been with Chime Online Bank for over a year. Unfortunately, On the 18th of March, 2021 at 9:21pm, there was a transaction to my spending account of $1003.74 posted to the Lufkin, TX Walmart. As I was in bed at the time said transaction was posted, I contacted Chime the following day. During my call with Chime, I canceled my card, locked my account and filed a dispute against that transaction. Chime categorized the transaction as an unauthorized transaction. After the call, I filed a police report with the Lufkin Police Department and have a Detective on the case. I went to Walmart and spoke with a manager about the so-called "unauthorized transaction" .

Opened a Chime Account and was promised $75 as referral bonus. Used the Chime provided link to refer someone and they used the link, followed the instructions, set-up direct deposit but never received referral bonus. Contacted customer service and was advised that the person I referred did not use the link that was provided. I knew this was a lie because the person I referred was my husband; I sent him the link and signed him up from his phone using the actual link that I sent him (he was too lazy to do it himself).

They stole money from the account. Horrible business service. No help at all. Do not use this bank! They will sweep or steal money from the account. Shady people run this business. Please do not use this app.

Although Chime does have a very user friendly app that makes it convenient to see your stuff, I would NOT recommend Chime to anyone after my experience. I worked at a bank for a year, and I know how banking is supposed to work. They make it "easy" to link your other checking accounts to Chime, but what you don't know is if you transfer funds to Chime, it could take up to a FULL SEVEN days, that's FIVE business days to credit your funds. Ironically enough, this didn't happen to me when I transferred funds under $100. It took 2 or 3 days.

They lured me in with a promise of an interest rate of 1% but lowered it immediately to .05%. Then, when I closed the account because they would not permit a second name or a POD, it has been over a month, and they are still holding my balance of over $30,000 without paying interest since the closure--naturally. My check has not been mailed yet according to the agents to whom I have spoken. Also, there are no native English-speaking customer service agents. All agents are in foreign call centers. When I asked about a POD since they will not permit joint accounts, I was told to put it in my will and have my heirs go through probate to get my money.

Chime allowed a company to go into my bank account and do a direct debit of over $5,000. I had canceled my card and got a new one and the company did not have this information. The company somehow obtained my checking account number and routing number and went directly into my account to bill me for an outrageous amount and CHIME allowed them to do so. At first CHIME reversed the direct debit then weeks later they reapplied the amount back into my checking account thus making me overdraft over $5,000. They are also currently taking my stimulus checks the government mistakenly sent to them during the pandemic, because they didn't know I have since closed the account. Chime is not acknowledging my account is closed and is taking my checks and doing what they will with it. I have reached out to CHIME with no updates as since my account is closed they do not see me as a current customer.

If I can give this company a negative five stars I would do that due to the fact that a lot of people are are getting this card due to the referral that they're expecting. The company is refusing to give anyone a credit for their referral if you do not make a deposit of a full $200. It does not state that you cannot make multiple payments of a deposit into your account or you would never get refer which I know a lot of people like me are just getting the card to expect that referral money and if that's if so and you did not receive it that is the reason why because they did not state in the details that you cannot make multiple payments of a deposit into the account. Wholly dissatisfied and will never refer anyone to this company because it's already bad enough that you cannot use this card at a lot of places besides that a goddamn gas station. I cannot even pay a lot of certain bills with this card.

I have been with Chime for years and had nothing to complain about until the day I needed a representative to help me with a lost check. A check I had them send was never received by my landlord and never cashed. I called Chime to place a simple stop payment on my account. The representatives (it took 5 of them) who barely spoke English, instead of placing the simple stop payment, "disputed" the check and I soon received an email stating the dispute was denied and would NOT be getting my rent money back.

Promotion dec 20 invited new account and people maintain 200 deposit. Both received 75 dollars but this bank customer service statement change. I suggest people not go with this bank. Not recommend and not good????

BUYER BEWARE...You do not get your money early..Matter of fact it's later than my regular bank. Read their other reviews here..Can anyone say CLASS ACTION LAWSUIT???? These people are the worst. You have been warned.

Funds at Chime are FDIC insured, however your Chime account can be closed without notice, as mine was! AND when the account is closed, because of their archaic and cumbersome rules it will take more than 30 days to get your money by way of a check supposedly MAILED to you; so I was told. You cannot do an ACH transfer of your funds to your other bank account! (While the account is open there are strong restrictions AND limits on transfers!) I would certainly not recommend Chime!

I closed the account in Jan after having for 3 months because they lowered the interest rate to 0.5% from 1%. I was expecting a 1099 tax form since I got some interests for tax return. It says on their website the form should be delivered by 1/30 by mail for inactive account. But I never got it. So I called them, and nobody knew what they're doing. They then asked me to email for help. After 15 emails transferred to 10 people, the problem is still not solved. WORST EXPERIENCE EVER!!! NEVER USE IT OR IT'LL GET YOU IN TROUBLE!

Chime notified about suspicious behavior..They asked me to send in verification..I sent in what they asked for 7 different times. Why they asked that many times..idk..but I did..It’s been over a week and my account is still not open..Every time I call I get the run around..This has been the worse experience of my life..They should be ashamed.

I have been with Chime for a few years. Recently, they have allowed random charges to come through. I call to dispute. I am on hold for at least an hour. I explain I need the Merchant information because I have pending charges that I didn't agree to for deduction. I can't get Merchant information. They don't disburse monies right away or even within a reasonable timeframe. I have been waiting for 2 months. They need to have merchant information from address to telephone numbers. What merchant is call home insurance and I don't have a home? I am going to a real bank. Super disappointed in their policies and protection of our accounts.

A friend referred me with the possibility of getting a $75 bonus within 45 days. I'm on Social Security, get paid monthly and because I signed up on the 12th they denied the payment even though you're supposed to get paid early. Went several times back and forth with them explaining to them and even showing them a copy of one of their agents saying that we're approved and then they denied it. They're terrible at honoring what they say. Besides that I kind of like that we get paid early but it's a hassle to get your money. You have to go to certain places and you can only get out a certain amount. That's the downside. Plus they don't have a word. I'll pay change it back to my original Bank even though I don't get paid early. Even just in case I took screenshots of the conversations that I had. Even the one that says that we were approved. Sent it to them and they won't even honor their own representative saying that we qualified.

Completely unprofessional organization. Unresponsive to a degree that is unimaginable for a credit granting company. I should've avoided Chime, given the horrible review of a mentor. Yet, I tried to give them a chance: They failed. Don't waste your time with this incompetent company.

I’ve had a Chime account for about 5 years but didn’t use it much. I decided I wanted to start using them for my saving. I ordered a new debit card and started transferring over my savings. When the card came in the mail it sat about two days before I went to activate it. I got an alert to my phone saying my purchase was declined because I need to activate my card first. This leads me to believe my money was trying to be stolen or card used by an inside employee. Seeing they sent out my replacement card and would be the only ones with the new card's info. Someone tried to make a purchase hoping the card would of been activated. I was very nervous and transferred my money out of chime right away. Thank god I didn’t lose anything but it leaves me to believe I’m not the only one. Please be cautious using your chime account.

This company does not require a credit report to authorize new card holders so even though my account is frozen, they issued a card to someone who stole my information. I spent 1 hour on the phone with customer service yesterday and sent numerous emails to cancel the account and they keep saying they take identity theft seriously but at the same time have yet to close the card. Their customer service phone number makes it next to impossible to reach a live person and when you do they are literally reading a script including parts of the script that are instructions for them! No help at all! Close the account. This company seems bogus. I cannot believe it's backed by Visa!

I had been a Chime customer for a little over a year. I really liked Chime at first due to the user-friendliness of the app and the fact that you don’t get stuck with ridiculous overdraft fees if you overdraw your account. The spot me feature was great. Up until recently, I didn’t have any problems with Chime, but it seems like there is a flaw in their security or something. First, it started with hackers trying to use my card online, but Chime had flagged all of those transactions and I was able to get another card which is a pretty minor inconvenience but still had to wait for the new card in the mail.

I have never been treated so horribly by a business much less a bank. I lost my wallet almost 3 weeks ago. I finally get my debit card in the mail. I tried to update my phone number and now I’m locked out of my account and have no money all over again. I have been fighting on the phone with the people for 2 days. I had customer service representatives laugh at me bc I can’t access my money. Two of my immediate family members have COVID that I help support on top of it all. I just walked 3 miles in the rain because I ran out gas. This is the biggest nightmare!!!! I still don’t know when I’ll have access to my money that I work so hard for! No one cares at this bank.

While the Chime Credit Builder card sounds good upfront it's not what it seems to be. First off because you set your own credit limit based on money deposited, the credit bureau does not have a benchmark of what percentage of credit is utilized. Second the statements are very confusing on what you spent and what was paid. Last but not least Chime is in no hurry to update balances to the bureaus. Mine has been paid in full since November 20, 2020 but the credit bureaus show I still owe 67 dollars. My advice go with a standard secured card if you wish to improve your credit.

Do not trust this bank they lie. You do not get paid early and you do not always get overdraft protection. They consistently LIE. Take your business elsewhere. They also advertise that you can use their overdraft at the gas pump (they advertise this on their website), YOU CANNOT USE THEIR OVERDRAFT SERVICE AT THE GAS PUMP - this is just ANOTHER LIE AND MISINFORMATION TO TRY AND GET YOUR BUSINESS. They should be sued for all their lies.

My bank account was hacked a few weeks ago, they changed my number, and transferred $2450 out of my account. I spent over four hours on the phone being transferred from person to person, all of which barely spoke English, and was hung up on once. I got some of my money back, but not all of it, so I submitted another claim. They sent me an email last night saying my account was being closed, and didn’t give me a chance to transfer my money out. Nobody will speak to me on the phone now because I don’t have an account, and all they reply with when I write is that I will be sent a check with what my balance was within 30 days. I’m a single mom with a diabetic son, and bills to pay.. And now have no access to my money. I’ve been trying to figure out how to get my sons medications all day. They have the worst customer service I have ever seen.

Think of using this bank. They make it impossible to deposit checks although they are more than willing to accept your direct deposits there customer service is outsourced to overseas agents who are not able to solve ant banking issues, I have used them for almost a year and have been exemplary in maintaining my account. They charge you on top of the bank you use to withdraw monies from your account unless you go to Walmart or one of their affiliates if you wish to deposit monies you have to also go to their affiliate alliances (not banks) and you will be charged a fee for your deposit. these people are frauds and grifters...Run from them,

I wish there was a NEGATIVE rating- Everyone PLS pull your funds from CHIME & bank with a regular financial institution that you can physically walk into because CHIME does things BACKWARDS. My account was SCAMMED via a CHIME fake account- I filed a Police report & I had gotten my money back; However, just now. I saw a email that they sent at 6:59pm end of business day that my account was CLOSED. NO CALL- With my money to pay my BILLS- that cannot be right! I SHOULD WAIT 30+ DAYS FROM TODAY! How can this be right huh? Tell me to remove my money, but DON'T just CLOSED my account with practically NO WARNING because I saw that email after 6:59pm-.

Chime is easy to sign up but a real horror to get support since there are no humans to talk to on the phone or chat, their chat not is a real know nothing machine. Forget about calling for help, another know nothing bot to contend with. And forget about emailing the bank cause every email support address either doesn't exist or is invalid. In other words no support of any kind..!! YOU ARE BETTER OFF LOOKING FOR AN ONLINE BANK THAT ACTUALLY CARES ABOUT ITS CUSTOMERS CAUSE CHIME DOESN'T. Chime is not worth all the other perks if you can't get real support. You have been warned.

I've been trying to close my account. No Response. Then Run Around. A WEEK LATER and still not closed. I tried using their Help Bot and asked, "Why is my account still not closed." I got the response, "Of course your account is active, how else would I be communicating with you." or something snarky like that. It was REALLY easy to open the account.

I lost my job last year. I've served in the military: I understand struggle. 16 days ago I got my $600. The same day a $188.64 unauthorized motel stay was stolen from my account. I still don't have my money back.

Chime closed my account and won't send me my money in my account. They expect me to send them a picture of my social security card, drivers license and me holding my drivers to unlock my account. I transferred money from my Discover account and sent it through Chime to Coinbase Pro. Somehow that was illegal in their eyes and they closed my account. They are a bunch of crooks including their founder and CEO Chris Britt.

I never thought this would happen to me but I wanted to share my experience. I have the debit Chime card and credit chime card. On the chime app it allows you to deposit money (vise versa). I transferred x amount to my credit to pay for a service. The payment went through and was pending. Today it deducted from my debit card too..! My called my service provider to see if they got two payments and they did not. Only one! So why was I charged twice and where did the other money go???? This bank is not a safe bank and everyone should be concerned. I’m taking my money out and ending my accounts once I try to see if I can get my x amount back. You need to wait a month to get your money back. Not worth it. Bank with a real big bank instead. They fix things quick!

January 13th, 2021.. My check came on my card at 5:01 pm.. At 11:06 PM my money was transferred to a pay friend feature.. My whole 842 check was taken away from me. & Chime is so bad, they telling me I have to wait for an investigation to be over to receive my money. Anybody who have chime cancel your account! The representatives is horrible and you can’t speak to nobody but a dispute manager which is no help at all. I advise anybody to get a real bank account. Chime is FRAUD & A SCAM!

UPDATED 1/14/2021: A day later still no reach out from Chime. I'm very disappointed they mess up and charged me for months for ATM fees that are incorrect. I used the fee free ATMs majority of the time I've lost 11 dollars this week alone and no one will get my money back. I stayed on the phone yesterday at work my entire break with no luck it's very unprofessional to treat customers with so little respect. As soon as I can transfer my direct deposit I will do so this isn't right it's theft. I would not recommend them to anyone as of now.

Chime Bank completely ignores their customers and provides ZERO ability to speak with a real person even when money has been stolen from their account. I went to make a purchase Saturday morning and it was declined. I logged into my bank account to find that somebody had hacked into my Chime account, transferred all of my money from my Credit Builder account and Savings account into my Spending Account, and then used the Pay Friends feature to transfer that entire balance out of my bank account, leaving me with NOTHING. I proceeded to call Chime Bank and followed all of the prompts to get to a person, at which point I was told that there as an extended hold time due to call volume and to use the app and the call was disconnected. How is it possible to have a hold time if there isn't even an option to speak to someone? Of course, I went onto the app and reached out and submitted a request.

Back in November# December 2020 my account was hacked & stole $500 & $350 on 2 occasions. I was able to get the money back only to have it taken again. Changed passwords & login codes but no guarantee it won't happen again. Also I have been unable to deposit any payroll, government or checks from my union by mobile deposit. No explanation. They only want direct deposit. This is very inconvenient for me as I travel for union work. Direct deposit isn't available everywhere I go.

I regrettably joined Chime a few months ago. My objective was to find an account that I can manage my monthly expenses without the concern of massive loss as a result of fraud. I deposited funds on a need by basis. The first 45 days was ideal considering I had no real need to speak to anyone from members of the “service“ department. The first time I inquired of an unauthorized charge was the beginning of many horrific experiences. I submitted an official dispute with the correct department following instructions receiving a response in 28- days with no courtesy of a conditional credit pending the investigation. The results- “no errors found“. I immediately displayed my dissatisfaction Via the telephone. I highly disagreed with their results as I am fully aware of my daily transactions.

I will try to keep this short as it could be an extremely long story. On December 30th I processed a mobile check deposit. Shortly after I realized it was going to take weeks for the funds to clear. I called Chime to cancel the transaction which is a service they offer, this was just 2 hours after the mobile transaction. After waiting on hold for 2 hours I was connected to a representative who said I would need to speak with a supervisor. After being on hold for another hour the supervisor answers. I explained the situation to him and he advised me I did not need to cancel the mobile deposit because all of my funds would be available that same night. I ask repeatedly, "Are you positive ALL of the funds will be available" to which he assured me yes all of them. With that being the case I no longer needed to cancel the deposit because I believe I would have my funds by the next morning.

I submitted a dispute claim for a charge to my account that was paid to a fraudulent company. I made an online purchase of less than $100 for a Christmas gift for my daughter. Come to find out the company was a total sham run by a group overseas. I submitted my claim hoping to be reimbursed. Something I’ve done a few times with REAL traditional banks with 100% success. Not buying from a fake company, never had that happen before. But submitting a dispute over charges to my account. Not only could I not speak to a real person and my claim was taken by a bot, it was determined within 48 hours that they weren’t going to reimburse me. Via email nonetheless.

I want to warn everyone of this company and how they are able to steal funds from person's or people with a lower income. I have been getting my check directly deposited for months. I was not able to access my account so I contacted them. I was told that there was some type of fraudulent activity going on with my account. I was told that the funds that were being deposited was suspicious. I had to upload my ID and paystubs verifying the information only for my account to be closed. They also kept my money that my job deposited into their bank. They have caused me a huge loss and I am single mother. I did let them know this. I spoke with a manager and they told me there is nothing that they can do. The money that was in the Chime account was legal only from my job and has been sent from the job since May. DO NOT PUT YOUR MONEY HERE

I was on the phone for 3hr 58min hours being passed from department to department and getting no resolution to someone hacking my account and stealing all the money out of my account. The best they would do is tell me they could do nothing until Feb. 1st and then they may give me my stolen money back on a temporary basis as they would not be done with the investigation to see whether or not I am lying about the claim. Not one individual in the entire four hour traumatic experience after the trauma of seeing all my money stolen, spoke English as a first language or at least not without heavy accents that required constant repeating so I could understand them and they understand me. The attitudes were so dismissive by the "Supervisors" yet the frontline customer care reps had plenty of empathy but no knowledge or power to do anything about my predicament.

This needs to be heard for the 1000s of people that have been scammed by Chime Bank. I am sitting here with my family with no money , no gas, or food because of Chime. I thought I did something to make this happen until I did my research. In the first round of stimulus checks Chime randomly closed accounts right when they got stimulus. After reading I noticed that all the closures/emails look the same and are closed for the exact same reason. They close the account with a message that says you are not eligible for a refund. Meaning they keep your money.