Chime Reviews

I had my money in my savings and someone took it from my account. They did nothing. Also be prepared to have your money on hold a lot and you don’t have access to it because it their suddenly without notice doing site maintenance.

I had been with Chime for less than a year. I recently had my account hacked and $1800 transferred to a individual whom I do not know. I contacted Chime customer service who did not treat the situation as serious as I thought they should. The individual who transfer the payment did it thru the Pay Friends feature. I was then able to see this person email address which was **. When I searched google I was able to find that this individual works at Fiserv in Atlanta. Fiserv handles digital banking for Chime and a lot other financial information. This makes sense how this person was able to login to my account with no issue.

Please listen to the reviews and do not put your money into this bank. On 12/25/20 someone stole 1210$ out my account using the pay friends feature. How could this even be possible? Very flaw security!

On 12/21/2020 around 5:13p CST, I was a victim of identity theft and hacking that occurred when my phone was stolen. I currently live in Chicago, IL. I logged in from another device and found that someone had transferred $700.00 from my savings account to my checking. Then, they also stole $1,180 from my checking account! They stole the money by using the pay friends option that Chime offers. I have never interacted with or paid this person before. I am currently disabled and was not able to submit a police report at the time of the theft, but I immediately locked my card (which cancelled it) and called Chime Bank to see if the issue could be resolved. This was shortly after I noticed the transfer.

Chime seems to have some major cybersecurity flaws. Therefore, my account has been hacked over 6 times within the last week. I keep receiving security alerts even after changing my password. I attempted to sign in again to change my password and close the account but can't even get Forgot My Password to work. This is an issue I have had in the past with them and is what caused me to switch banks entirely. My personal information is still at risk of being stolen since the account was never closed and there does not seem to be any sense of urgency on the matter.

I’ve had Chime Bank for approximately a year now and look somewhere else. You cannot receive money transfers, and cannot pull out more than $300 a day. No matter what. My transactions are constantly being blocked regardless of how much money is in the bank. It’s ridiculous that I have a bank account but I’m unable to receive transfer or take money out after being a year long customer. Very negative experience. And customer service is mediocre. They aren’t able to answer questions or help.

I’ve been a Chime member for over a year. The Chime App is very user friendly and even straight forward with finding your information. This is a perfect bank for someone with direct deposit. Chime is the type of bank for someone who is just starting out financially, or someone who is restarting their financial life. There is no monthly charge. Someone can easily open a savings account with the checking, and it’s fairly easy to move funds to each account. For my account, chime automatically puts a few dollars into my savings, which is super helpful for me.

I filed a claim with Chime on my spending account because somebody had taken $899 from my account the first week of December. I sent in all my paperwork. I even provided them the name of the person who did it because I found that out on my own. I gave them their contact information. I did pretty much their job for them only to receive a denial letter stating that they haven’t found any wrongdoing. I then asked for copies of the documents to which they used in order to make this decision and now I have to wait 10 more additional business days for them to email them to me. I spoke with the supervisor in the disputes department and he basically told me that him it probably look like I was committing fraud with this person. I about lost my mind. I’m going to make sure every news outlet and anyone that will listen will know how big of a crook this company really is.

I have been a member of Chime for over a year and half. Recently my account was hacked and they took every penny I had, I called customer service. They told me they cancel my card and sent me another one. The next business day which was Monday I received my money back, only to wake up on Wednesday and my money was gone again. There is someone in the system going around transferring money from your account to theirs. As a customer I am not satisfied with the outcome. I am now waiting again for them to see what is going on with my account. This was my Christmas money.

My Chime account was set up for the sole purpose of an occasional Uber ride, never used for anything else, & not used in nearly a year.. Somehow the account was hacked & $39.99 was fraudulently withdrawn. I used the chat feature to file a case & was eventually credited back the $39.99. The same day as the credit the account was hacked again. The chat feature referred to my original claim & would not let me file a new 1, so I shut off the withdrawal function & transferred the balance out of the account. Every subsequent day I've received a notification of a new attempt on my account.

When I first went with, I was very happy with all the cool features they had and EASY system set up to move money and pay my people without having to leave home. My first encounter was when I got scammed outta $317.00, I sent to claims, all the required documents including a police report I filed with the local police, like many of you who have dealt with a Chime dispute, they did absolutely Nothing and never did anything about it nor did they give me any type of credit.

Beware. This company can close your account for no reason and cause your social security checks to be sent by to the SSA. They will not send you any warning via mail or phone calls. They do send out a notice by email but if you are one of the millions of people that do not have email you will not get the message and you will not get your money deposited. If you really on your social security check to be there every month DO NOT use Chime bank cards.

I’ve never seen so many 4 and 5 star FAKE reviews in my life!!! Both on this site AND other sites!!! Absolute garbage!!! Every person I’ve chatted with online, or people I know have tried Chime and almost ALL have experienced the same problems I’ve experienced! First off, the people who respond to your live chat or email are in a foreign country! Second, they DO NOT understand the English language very well!!! HUGE language barrier!!! Third, Chime’s own employees don’t even know, let alone comprehend the legal language inside THEIR OWN CARDMEMBER AGREEMENT?!?! (YOU HAD ONE JOB) They are extremely lazy and completely incompetent!!! Everything you see and hear is a LIE so that you’ll give them your money! Once they have your money, you’re screwed!!! Use your mattress not these idiots!!!

I want to let you know there are some ridiculous limits to your own money if you decide to add your money to this bank or the prepaid card.... I went to the ATM today to pull out $520 and I got a declined message at the ATM and soon after a message from Chime saying "Hi, your chime visa debit card was declined at ATM for AMT. Declines can happen for multiple reasons, even when your spending account has a positive balance and is in good standings. In this case *ATM may have made an error. If you haven't already, we recommend you attempt to pay for this transaction one more time. Sincerely, The Chime Team"

Someone stole my debit card number. I reported a fraudulent purchase. Chime did absolutely nothing about it! I contested and appealed and it just went ignored. They refused to get me my money back even though they claim you are protected from fraudulent purchases. Their so called investigation was pathetic.

The Chime spending account, an online/app based 'no fee' checking account; but the one crucial feature you will not find on the Chime app, chime.com, or your Chime monthly statement is a RUNNING BALANCE. This, along with their 'no fee' overdraft feature called 'Spot Me' are equally egregious in how they exploit their customers. Without a running balance, you are at their whim. Whatever they say your balance is...well, that's what it is. If you return an item that was purchased using your PIN number, you will see the refund several days later, back-posted to the date of the return-- but you will not receive credit for the return. Without a running balance, it's a loss. Contact customer service (ZenDesk), they will run you around in circles and see u you in hell. Chime will not acknowledge they siphoned a cent. They are a House of Cards. If they make one adjustment, due to an error on their part, they will cease to exist.

I have been a Chime customer for a few years. I even referred friends to Chime. I love their no fee policy and how I received my pay check up to two days early. However, in June, 2020 I went on Vacation in CA for my birthday. A couple of days after I arrived, I started noticing transactions and transfers I did not approve. When I contacted Chime disputes they did refund my money for the exception of a purchase for $513.60 from Footlocker. This purchase took place in Florida after my investigation was done. I disputed with Chime again and they said "no error was found". I had my case reopened and I even sent them my boarding passes and information from CA. Chime is going to say "that was not enough evidence."

I received a Chime debit card that I never applied for. Someone also opened an unemployment claim in my name so obviously my info has been compromised. I tried calling but there are no options to speak to a person. I can’t access my so called account because the scammer used a different phone number than what mine actually is. I tried emailing but all I received was... “We experienced intermittent issues with our mobile and web services. We appreciate your patience as we are experiencing extremely large contact volumes and we may take longer to get back to you than normal.” 12hrs later and nothing! How’s that when you're panic stricken and may have your account cleaned out? Think long and hard before you open an account with this sham outfit.

I disputed a $200.00 charge on my debit card. I had paid a current merchant out of my other bank account. I removed all information from their app before I closed it out. They still managed to withdraw money out of my Chime account. I disputed the charge back on 11/5/2020. I filled out all the paperwork and sent it in twice on 11/6 and 11/7. I called twice and the first lady told me that because of the holiday I should hear back from them on the 23rd. The 23rd came and I still did not see a provisional credit or any email from chime. I called today 11/24. The guy had a hard time pulling up any of my information saying that he doesn't see my dispute form.

I received a letter with a W-9 form for me to complete earlier this month, because there was a discrepancy with my last name. I completed the form and mailed it back. I sent an email to Chime Support to ask if my completed form was received. I was told by an online representative that my paperwork was received and that my account was safe and would not be closed. When I try to log into my account today, I am unable to and was told that my account was closed because of my name discrepancy by online support. When I send screenshots of the emails from last week, where an online representative from Chime informed me that my account would not be closed, I receive no communication back.

Yesterday I contacted Chime via chat to tell them about a charge I did not recognize. I could not find any information on the company in question so I turned to chime chat to ask for help finding where exactly the charge came from. I repeatedly told the rep do not cancel my card I have bills due and Christmas is here as chime takes way to long sending replacement cards! I got up this morning with a notification from Amazon that chime did not pay saying I had cancelled my card! I did not authorize this cancellation so immediately I called chime to explain my issue. The rep I spoke to was a supervisor and was the rudest person I’ve ever experienced talking to! She would not listen to what I had to say. She would talk over me. When I finally did get her to listen she just kept saying uh huh uh huh suggesting to me that she cared nothing about my issues and was unwilling to help and that’s exactly what she did ... nothing to help resolve my issues.

Chime seriously sucks. It says $0 monthly fees but they make up for it with all these hidden fees when you withdraw money from an ATM. It’s an online bank, NOT A REAL ONE. Their customer service & agents SUCK, they don’t actually give you the help you need, AND a lot of the “benefits” they list in commercials are a lie. Honestly, screw Chime. You can seriously find a better bank wherever you are.

I just recently received my Chime debit card. Prior to receiving the card, I got an email from Chime giving me the routing number and my account number which I wrote down in my book under Chime. When I received the card, it had an entirely different account number! As I was reading how to make direct deposits, it had an entirely different routing number and account number! 2 different routing numbers and 3 different account numbers -- God only knows where my SS direct deposit would have gone. I emailed their support team back and laid this all out to them and said I would not be using their services! Public beware of this! I think this is a scam!

They have constantly gone offline to where you can not access your funds. This past time it made my credit card payment fail and this is the time I said I’m done. I was also scammed online, they didn’t honor the charge. Most banks will reverse a charged If the person was scammed. Most of 5 star reviews are the ones saying they never charge me over draft fees but if you look they charge you money to deposit money into your bank. Walgreens and cvs isn’t charging that extra money. Just ask! The bank Corp which is the bank Chime uses and the bank that prints your card will charge you to use their atm. They are completely unreliable and untrustworthy. Use any other bank.

My experience with CHIME has been poor! I used them for about 2 years as a backup account when purchasing items online and some traveling. I highly recommend NOT using this company as your main account. They system is constantly crashing which causes serious issues when your trying to use your CHIME cc. If you have direct deposit, accounts setup monthly to withdraw from this bank. You're rolling dice! Last year their entire network crashed! And the worse thing about it you can't TALK to a LIVE person. It's all automated. Take it from me and CHIME's online reviews. Stick to a real banking institution. Another thing don't be fooled by their "Metal Card" marketing which they do every year. You'll never receive the "Metal Chime" card. It looks shiny and pretty. But you'll never receive it.

I do not use Chime for direct deposit. I simply transfer cash into my accounts and I also use the Chime Credit Builder for my credit card needs. I am not eligible for SpotMe. Also about a month ago I got a replacement card around the time a company Hertz kept trying to charge me for charges that were beyond what was within my reach. Every day since then Hertz has been trying to debit money but it declined because of the wrong expiration card which updated once I got a new card. Well today without having spot me on my account Hertz was able to overdraft my account by $5,000 and took over $400 from me without my consent and you guys allowed this to happen.

My account is suspended cause of unemployment check. I’ve called to find out why it was suspended. They Said I have to verify my info. I sent it in and they said it would take up to 2-3 business day to investigate and that they send me an email if they had any questions. It’s been about 7 business days already. Nothing has come back to me and my account is still suspended. So now I’m frustrated and mad. I need to find Out how to go about this problem.

Please do not open an acct with Chime card. From the very beginning when I opened an account with chime I had my social Security Benefits sent direct deposit to my chime acct. Shortly after I could not get into the app. I was locked out because all my info was mysteriously changed. My email address, phone number, everything was changed to something different. Would you locked me out of my account. I could not access my money, I could not check my balance and I could not change my profile information to change it back to the correct information. When I called the 1-800 number I could never get a person on the line.

The pandemic has made life very challenging for companies to legitimize identities. Chime has continued to suspend and close my bank account without refund of my SBA loan and Unemployment insurance. They basically kept emailing me from 3 different email address asking me to send photos of my identification card, my social security card front and back photos and bank statements and emails that pertain to this account. I sent two emails responding to the documents they kept asking me for. Clearly, any person in their conscious mind will then read that I in fact am the sole owner of this account just by the html and pdf documents I sent of my bank account statement and emails from unemployment and SBA.

Scam company that tries to nickel and dime everything out of you. They will belittle you and talk down to you when they access your account and God forbid there be an incident like for example you get charged three times on the same charge even if it is incorrect and you provide documentation and pictures proof they will question you like a criminal. They also when I wanted to make a claim and dispute against their service because I had to remind one of their agents their title is customer service not attitude patrol she was very disrespectful. Kept telling me how being a veteran did not matter on anything that she does and she didn’t care who I was that she can talk however. So it was very suspicious that when I had this little altercation with someone that the next day my account full of money was closed.

At first, Chime presents itself as this awesome bank and direct deposit is fast and easy (okay). However, this would be my second time having to deal with Chime on behalf of my direct deposit not showing. Anytime you call it’s as if they aren’t of no use because they know just about as much as we do.

Part of my income is paid by personal check. Before I opened a checking account, I had 2 separate conversations with customer service where I was very specific about what kind of checks I would need to deposit and was told it wouldn't be a problem. You have to set up direct deposit and wait a month to enable mobile check deposit. I did so, and changed all my auto pay bills to my Chime account, only to find they were lying, they do not, and never have accepted the type of personal checks I need to deposit. So now I get to change all my auto pay bills back to my old bank, as well as my direct deposits. Thanks for massively wasting my time so you could increase the number of accounts to your tally.

In June 2020 I attempted to open an account online to help my brother. He had an account with Chime and it would make bank transfers easier for him. I have several banking relationships and have never had any issues with opening an account. I received a welcome email and logged back in and answered the questions. I got to where I enter my social security number and it told me "Another account is using this social security number". I repeated this step and got the same answers. I tried every other email I used in the event maybe I signed up with another email address and still got the same response.

I've been banking with Chime for about 4 years and have utilized almost all of their features. Direct deposits were always reliable and spending with the visa card is safe and easy to use. You can block the card using the app if you misplace it, and ordering a replacement is free if it doesn't turn up. Recently, someone obtained my account info and made about $2,100 of charges to my card. Chime honored the visa 0% liability promise and within a week the money was back into my account.

The customer service department at Chime really goes above and beyond to help combat fraud. When attempts were made on my card, I was called before I even knew anything was happening. There are no fees with this card. 100's of ATM's with no charge. Direct deposit is available. Can transfer money in and out of account. I can't say enough good things about this company.

I came to Chime in the last 4 months during the current pandemic of 2020. I came to them after my bank of 5 + yrs closed my account without notice or warning in May 2020. With Chime, it's a single account that YOU CAN NOT deposit ANY checks unless they are made out to the account holder only. They say they're better banking for a new age but after further review, they are from the 1800s. I would never recommend them to anyone unless NO options were available. Their mobile deposit is atrocious. You must have the check 100% withing the image given or it will kick it out. The guided image is somewhat difficult based on the guided screen. Their service Representatives are horrible and act if you bothering them. Mobile banking is a new thing and needs a very serious upgrade.

I’ve only had a Chime card six months. It is direct deposit so I receive my check a couple of days early. First Amazon was taking money and no one knew about it until I saw my statement. I asked about it. You make me dispute and they denied me then maybe start disappearing again. When I split it down the middle and pay one bill they cleaned it. Declined. So I was charged $35 fee as well as an extra $60 for an authorized charge. While I’m waiting on my card I’ll pay a couple bills. It never went through using my account and routing information. As soon as I told him I want my money back they cut my account and told me they’ll mail me my money within 30 days. They are a rip off and they will be soon going downhill.

They allow creation of bank accounts without proper documentations. This means someone can easily pretend to be you and without identity verification, anyone can sign up for an account with false identity. When you reach out to customer service and report fraud activity, it's nonchalant. Never heard of Chime until yesterday and glad I'm not banking with this firm.

Back in February money was taken from my account. I submitted all the necessary document. They were so quick to deny my claim. Like did you guys even look into it? Anyone can give me advice on how to go about this. Thanks.

I opened a Chime account a few weeks back for my unemployment. Everything seemed to be ok, until I received an email stating my account was suspended. After hours and hours of useless phone calls.... zero information given. My account was closed with all my money in there. No further information was provided except a generic email. Apparently if you receive 2 back to back deposits, you’re breaking the rules and they’ll close your account!!! Customer service is clueless and so are the “Supervisors”!! Don’t waste your time and lose your money!!!

Please please DO NOT get an account with Chime!! Your money will disappear and you won't get it back! Customer Service isn't local people, money disappears and CS blows you off! Don't lose your money!

I thought they were good banking. Well my account was compromised. I filled out all the proper documents and kept in touch on my claim. I was then told that if they couldn't finish claim in ten days my account would be credited on Sep 3rd. Well Sep 3rd has come and gone and nothing. I've emailed them several times. No response to any of my messages. No one making sure I'm taken of. I've explained my situation and they show no care whatsoever to get me taken care of or to keep their word on the credit.

It’s a great card. The problem is it’s hard to contact customer service when you have a problem. It’s good on getting your check early. You receive government check or employment check on time. All you have to do is order the card online and it comes in the Mail in less than a week.

I recently opened an account with Chime using their app. After 2 direct deposits my account was put on hold due to "suspicious " account activity. Of course they wouldn't tell me what or give any explanation. They in turn requested me to provide documents to prove my identity, show proof of address and proof of authorization of direct deposit origination. So I complied, but only after speaking with a customer service representative to ensure the request was legitimate. After 2 emails from support I received an email stating they closed my account. I don't understand why because I gave them everything they requested! And to top it off they also state they will not be refunding the money I have in the account! This company and actions are criminal! Buyer beware! Do not use this company!

Chime's advertisement is that you will get paid two days sooner - that is not true. It is one day sooner. Chime offers a 50$ referral bonus when you refer a friend & they start direct deposit - also not true. They say your "Spot me" feature will increase - it in fact does not. I would not recommend Chime to anyone. They have very poor customer service as well. To do it again - I would not have switched to Chime banking.

On 9/5/20 I received a text from Chime stating that my phone number & email address had been updated and to call immediately if I didn’t make those changes. I contacted Chime’s customer service department immediately and informed them I did not make those changes to my account as I’ve had the same email address since I’ve been a Chime customer. The representative asked me to email my driver’s license to authenticate my identity. I immediately sent over a copy of my drivers license and later my social security card to ensure they had all the information needed to validate my identity and update my account back to the proper login details. I went on about my day assuming that Chime had my back and would ensure that my account was protected from this weird activity before my money went missing.

The ONLY good thing about Chime is that there aren't fees. Before you make an account with them, do some research on how they will close your account at any given moment, usually right after a deposit.

Worse online banking platform EVER!! DO NOT TRUST THEM WITH YOUR MONEY!!! I had atm fraud on my account after they were notified that I left my wallet with all my information in it. Gave them proof of my work pay stubs proving I was at work and they still did not refund my money back to me! I work nowhere near the location the fraud was made at nor have I ever used an outside ATM before. I have been with them over 5 years now and as soon as all my banking information is transferred over I'm out!

I send a portion of my payroll to my Chime account to have access to the funds a little earlier. I received an alert from Chime of a low balance and a declined charge and immediately contacted them to advise that I still had my card in my possession and that I did not make or authorize those withdrawals. I only use fee free ATMs as provided in their app and my card was used many miles away from my home and back to back withdrawals at a for fee ATM, all things that my brick and mortar bank would have flagged as suspicious. I submitted a claim as directed by them and received no communication from them or request for additional information, just an email declining my claim. They refuse to reimburse me for the fraudulent withdrawals and I don’t believe that is legal. Stick to the larger banks and avoid the hassle and lack of protection of your funds by this “bank”.

Chime does NOT have your back. I had almost $10,000 in fraudulent charges and money transfers come out of my account. I have on camera the person that did it. (They stole my entire purse including phone.) They’ve arrested the thief and she’s in jail. Yet Chime has responded to my disputed charges as “valid”. How are they valid if I didn’t make them and I’m pursuing charges against the thief!? This is Chime's normal practices though that I’ve found out during my research. They are deceitful and don’t care about their customers. Btw, the 10k was unemployment backpay. So now I have a business not opened since March and no money to survive off of. What’s the point of living anymore.

I would like to start this review by saying Chime currently has over 200 arbitrations filed against them. The main cause of this is due to their treatment of people who are currently receiving unemployment benefits. They have quite obviously been trying to clean up their mess by pushing out positive reviews, instead if actually dealing with the issue at hand. I have been a Chime member for about 2 years now and have had a few issues. Things like cancelling my card and sending a new one without my knowledge. While extremely annoying, these were minor inconveniences compared to what they are doing now. Chime is actively suspending accounts for folks receiving unemployment. This is currently happening to me.

If you are going to bank, do not be foolish enough to online bank. First chance of a mess up and they are going to keep your money and not credit the money back. I tried to transfer money to somebody thru Cash App and the person I sent the money to could not figure out how to get the money from the app. So I tried to just get my money back and without being able to talk to somebody live, I had my bank, Chime, get involved. Not only did they not credit me my money back, but they denied me without even giving me any kind of word about that denial. The only reason I found that out was through persistency. If I show them the cash app app, it says plain as day that my money is pending to the other person. They were able to stop the payment from happening because my friend tried using them again and figured it out, but he cannot get the money because Chime put a hold on it.

I have been with Chime Bank for the last few years and I am very satisfied with their service overall and have no plans of changing banks anytime soon. Their customer service is friendly and believes in helping their customers with all of their financial services and issues, I love Chime Bank.

In April 2020, I loaded $700.00 on my Chime card, now mind you I had the card for a few weeks before I used or activated the card. My husband was apprehensive about an online bank, but I went ahead and used it anyway. The first purchase I tried to make through cash app. which turned out to be fraudulent and cash app did not process the order so the money remained on my card.

They locked my account and denied access. Stole my Money!! I do not know what else to say other than I lost hundreds of dollars because I used this bank. How is this even legal? Their reviews on their site are fake!! Listen to this, you have been warned!

I’ve had an Chime card for about 2 almost 3 years and never had an problem until June 26 2020. I received messages that someone got into my account and put it as Samsung Pay and took over $3,000 out of my account at a Walmart in California. I live in Connecticut but at the time I was in New York using my card and spent only $53. I called the bank to notify them that the transactions were not me and they said they would close the account, dispute the money and send me a new card. I never received the new card.

I've worked in the past at customer service for Chime and I can say it's completely awful, I've seen accounts getting closed for no reason, deposits getting denied and accounts getting suspended just for putting your direct deposit, the app works fine but when it breaks it completely messes with your money. If you ever have an unauthorized debit transaction there's a 50/50 chance you'll get your money back and it takes ages for them to help you out if you lose your card or money. There were customers that are happy with their chime cards but my advice would be to not use it if you expect a real bank experience, use a real bank for real needs. Chime is just a prepaid card in disguise.

Never once have I been able to speak with a human and I was locked out of my account never able to retrieve my password or reset it due to their records being off! So basically they kept my money but gave me no recourse to complain because unless I log in (which I could not) then I could not even message them!! Terrible bank!!! Find better places to put your money, seriously!

I began utilizing Chime because I liked the idea of a strictly online bank. For years I felt that I had more freedom than I did with brick and mortar. The app is incredibly user friendly. Then I lost my debit card, requesting a new one was at the click of a button. But, it never arrived. Three weeks went by and I finally got ahold of someone in customer service for help-- they don't provide a 1-800 # and there is no physical bank to go in and speak with someone or withdraw any of your funds so I felt mildly stranded. It took 24 hours for someone to respond to my initial online request they let me know they would be more than happy to resend my debit card.

Well, After Loading my account for a upcoming purchase which is within their guidelines. I attempted to make purchase and was Declined.... Declined twice. Shortly later my account was debited for $2100.00. The purchased was declined. The company I made purchase from using another Card did receive Declined from Chime.... But yet Chime has taking my funds and admitted the transaction was declined... So what wont they release my funds, this is the monies my family has to have to live. They're say 7 to 30 days before release if released. Why. Why. Stay away from these Fraudulent Company..

This company is scamming people to sign up with the promise of a bonus but yet they DO NOT give your bonus when all requirements are met. They don’t have any support to help fix their problems so it’s open at your own peril!

The worst customer service ever! I received emergency disaster relief fund with a DBA business name, and the funds were received or use a different name, same account and I did not receive the funds because they said it was not my personal name but they did it prior, I almost lost over $37,000 due to their Negligence. I really wish I saw these reviews before I open up an account with them.

I paid for a vacation that I was supposed to be going on this past April, but as we all know the pandemic hit and travel was canceled. The site where I booked my trip through (BookIt) canceled all trips that were booked through them and put a disclaimer on their site advising to reach out to your banking institutions and file a claim to get your money refunded. I immediately filled my claim with Chime on March 19th 2020 and provided them with screenshots of what was put on BookIt site, along with all of my payment amounts and dates. I was told it would take up to 90 days before I would get my refund.

I have had Chime for about a year. It was okay up until a couple days ago. I moved to Mexico and wanted to change my phone number since I no longer have a US number. I was told that would not be possible. Still, no problem. I can get into the app with my password...until I couldn't. The Chime website was not working correctly and it just logged me out. I tried to log back in but it needed me to confirm a verification code that they had sent to my old cell phone. I contacted them by email and was told to sent my identification. I sent photos of my passport and everything else they asked for.

On June 24, 2020, my stimulus payment was supposed to post to my account. It is now July 19, and I still don’t have it. Chime claims they never received it even after I called the IRS to confirm my bank account information. Don’t trust this card!

I'd had a Chime Checking account for a few months with no issues. But on April 16th, 2020, I received a notification that an Out of Network ATM Withdrawal of $363.50 was posted to my account. I immediately reached out to Chime, as I was sitting at my desk at work, bank card in purse, and had not withdrawn this money. Chime support staff informed me that they could not dispute the charge until it posted. It finally posted to my account on Saturday, April 18th. The bank tacked on an additional $2.50 fee for an out of network ATM. I called Chime support and opened a claim right then, and they cancelled my debit card, issuing me a new card. They informed me there would be a provisional credit added to my account while they investigated the transaction. I asked where the ATM was located that this charge came through, and it was showing the location on the far south side of Chicago, where I have never been before.

I’ve been using Chime as my primary bank for over a year and closed all of my “real” bank accounts, stupidly, because using a app was easier. They closed my account this morning, instantly without any warning or explanation. I had to email them that evening after work (because you can’t call them on the phone) to see why and they replied “your account is not in accordance with our ‘Terms or Service’ and/or our ‘Account Agreement.” That told me nothing and is very generic.. And that a check with my balance with be mailed in 30 days.. I’ve saved over $6,000 this year from working hard and being on a budget and kept it all in this account, and now I can’t touch any of my money for 30 days with my rent and car payment due next week, and credit card bill due in 2 weeks, which will be a missed payment on my credit report???? Who’s gonna with my late fees... This is not fair at all, I didn’t do anything wrong...

I opened a spending and savings account with Chime, an online bank, in June 2020. I linked my Chime account with accounts at two other banks to facilitate transferring funds to my Chime account. I was in the process of closing one of my linked bank accounts and scheduled a transfer to Chime that would zero out my linked account that would allow me to close that account. The external bank, that I was attempting to close accounts at, sent me a cashiers check for the full amount and subsequently closed the account. This check amount, was the exact amount that I had scheduled to transfer to Chime and, when Chime executed the transfer, the transfer was denied. This is where my problem and complaint against Chime begins.

For the first month Chime was great. My boyfriend got his paychecks 2 days early as advertised and essentially had no issues. After receiving another paycheck, the nightmare of this company began. We used his card at the gas station and when trying to use it again that same day the card was declined. Knowing we had funds we called customer support and were told his account was frozen due to "suspicious activity." We were told his card was cancelled and they would send us a new card. Okay, weird but it happens I guess. Well 2 weeks later we still had not received the card. We called and called for 3 days straight with no answers. Then, when we finally got ahold of someone we were told "whoops it looks like we never sent the card." How does this happen?

Been with this bank for about a year & a half. AT FIRST IT WAS GREAT up until 7/10/20 they suspended my account no out of nowhere, emailing me to send Documents ID etc. I sent it. Gets another Email saying they need more which is crazy. My hard earned money is in there lots of it & they're giving me the runaround. THEY'RE BASICALLY STEALING PEOPLE'S MONEY & IT’S NOT RIGHT.

Promised provisional credit or an email by 7/6 and I got none. An agent tried to tell me I hadn’t submitted it. They are unprofessional and liars. I have pictures to prove. Do Not use Chime. Netspend is your best bet and they are worse. These people are sharks. Took $200 from me.

I have had my Chime Account for 4 or 5 months and I am happy I switched over. The app is user friendly, which is very important to me. Chime offers a lot of great little perks that make my life a little easier. I have always been able to find an atm that accepts Chime...wherever I am at. I gave them a four, only because I haven't banked with them too long. Thanks Chime.

They made it right.

On June 22, 2020 I received notice of suspicious activity on my account and was notified that a hold was placed on my account. I contacted Chime immediately and was asked to provide documentation verifying my identity and source of funds. The original agent I spoke with was also in contact with a member of the Support team, by the name of Morgana, who confirmed she received all the documentation that I submitted. I was informed it takes 1-3 business days to review my documentation and for the matter to be resolved. I received a follow up email on the next day, June 23, requesting additional documentation.

I read how great this bank is? I set up direct deposit for my social security check. I called and notified the. I would be using my debit card once my check was direct deposited in my account. I was planning on eating and staying a hotel instead of being homeless and on the streets. The next day, they froze my account forcing me into a homeless shelter. I call and asked why the hold. I was told by agent that I used my debit card too many times! I pressed the issue and talked to a supervisor who informed me that chime bank was uncomfortable with the source of my funds. I reminded them that the deposit clearly came from the Social Security Administration and question why? They hung up on me and closed my account without notice or reason.

Almost impossible to speak with a person, an horrendous fraud support system, very unresponsive, will say they will do things they won't, (they lied to my face). They are not trustworthy and I will cancel my account.

STAY AWAY. At first Chime is cool. They process payments early, which is a really nice thing that I’m surprised most financial institutions don’t do. That said, the experience changes if your card/account is hacked or stolen. Once I realized my account was being fraudulently used I notified Chime, which in itself is a bit of a painful process, and I was surprised at how things went south from there.

My Husband account was suspended with no knowledge on 06/22. We've been back and forth with Chime to release his account and his funds since then. We spoke with Seth today and he was the most disrespectful person Ive ever spoken to in my life. He talked over us and did not give us a chance to tell him our issue, he laughed at the issue at hand. I asked him numerous time to stop speaking over me and to let me speak and he proceeded to over talk me and yell. He told me I was on my second warning before he would hang up the phone. I asked him to speak to another supervisor that was above him. He asked me, "Who do you want to talk to?" I said, "Anyone above you," and he laughed. He transferred me to Maria who was delightful and explained everything to us. My husbands account is still locked, Please choose a different bank. STAY AWAY FROM CHIME.

Alert everyone- Chime Bank Corp is a fraudulent scheme company. The institution gains your trust. Once you have enough funds in your chime account an employee reaches out to you via text or email, alerting you that that fraudulent activity has taken place and you need to close your account. The employee of chime calls from their business line ph-844-244-6363. Once this is done, the chime employee immediately transfers your funds to their quasi chime accounts. I immediately caught on to this and notified support at chime and my local police dept 06/24/2020. Chime has denied my claim. Now I will pursue legal action for $1,866.00 plus damages, during covid 19.

Chime draws you in with three key things that they do well. 1) Receive your checks a couple days early. 2) Manage all of your banking online. 3) A trendy, easy-to-use app with great emoji -riddled notifications. In theory, this seems like it would make for a great banking experience. It doesn't. As of today my wife and I are in the process of switching bank accounts, and Chime has currently taken or lost around $500 of our money. They have demonstrated an unwillingness to help recover any of this money after multiple interactions. This boils down to the three things they do terribly that more than makes up for the three positives they advertise.

I had a Chime account since October of 2019. I was receiving my unemployment and pandemic assistance to the account on file without issue for months. Due to the crisis I had to move myself and my family back into my parents' home to weather this time. June 19th without more than 24 hours notice I got an email that my account was frozen for suspicious activity because of the large amounts I was getting deposited because of the additional $600.00 a month from unemployment.

I am owed $990.00. I sent my daughter some money from my Chime account through Gpay and when she declined the money, it was never returned to me. At first I was told by Chime that it was on hold (by 3 different reps/supervisor). Well, today's the release date and guess what? No money! Supposedly it was never on hold and returned to me that same day. However, I never received it. Customer service has had me on hold all day today because I refuse to get off of the phone until my issue is resolved. I've been sitting here all day listening to their continuous classical music after going 3 rounds with one rep, one supervisor and whoever the transfer me to next. It's my money and I want it now! Sheesh!!!

I have had an online checking account with Chime for over 1 year. I hate not being able to deposit cash and email only customer service. The worst experience is when I purchased glasses from Orbic Eye Care in Martinez, Georgia and never got any glasses. Chime made me wait 90 days without any updates and sent an email to say there was no mistake and I will get no refund. They protected the fraudulent merchant so I could not get any refund or any glasses. I would give them zero stars if I could.

Chime does have some great features but my concern is (1) The recipient's name on my stimulus check was my name first then it said “for” and my minor son’s name proceeded (as it should be issued as I am has Parent/legal Guardian). The checks were returned to the IRS. I get the paper checks almost a month later, I took photos of the checks deposited in my Fidelity account with no so problems. (2) I get an email from Chime telling me that my pin had been changed. If I didn’t do this to enable my card, which I did immediately because I didn’t change my pin. Then a decline charge come through from Walmart. So I’m thinking I was safe, then approximately 20 mins later that same declined transaction went through then another then another then another, all back to back. Over $1600 in a blink of an eye GONE.

Ever since I opened my account I have been using for my ride share business with UBER (GREEN DOT) as they provide instant deposits. This was working well until yesterday when you for some reason out a hold on my deposit money for 3 days?!?! Which this day and age is totally unexceptionable!! I know and you know this is just so you can make interest on deposits. So if this is the treatment that Chime is going to give ride share drivers then as there are better options with virtually ALL other financial institutions I will no longer utilize your services and be sure to publish my interactions on social media platforms regarding your ever changing policy on deposits.

Set up Chime app and submitted all required information. Have had problems depositing $ into chime account even after having their representatives on the phone on 2 calls. I’m calling chime to deactivate my account. Not a happy experience.

I haven't had problems with Chime for 2 years now. All of a sudden I'm trying to withdraw my money need I not remind you it's my RENT money and I go to the bank they told me to go to withdraw from and I got a slip of a receipt saying the transaction is not completed. But it took out my money but didn't give me any money back so when I call the bank they tell me to call chime. I call chime and yet STILL NO MONEY OR NOTHING BEING DONE!! AND THEY COULDN'T FIND MY ACCT AT FIRST THEN They told me that it's pending after it gets done pending callback and they will dispute it but it will take 10days! The **! My landlord is not going to wait just like there's aren't! It's ** ridiculous. I will never put money in this account again. ** chime. You sending people to banks that ain't giving people's money back!!!! I hope y'all lose business!!!!

Recently signed up for Chime, put the direct deposit slip into my employer 3 weeks ago. I'm on my second paycheck and it hasn't post to my card yet. And all chime can tell me is that it goes through different verifications which I Know for sure that it don't take 3 weeks for somebody to verify not one but 2 checks. So I rate chime at 0. They have no clue where my money is, and the so called CEO Chris Britt has no contact number, not professional at all. Please customers that are viewing the reviews don't sign up with chime. They false advertise.

FALSE ADVERTISING. Everywhere on their website, I'm reading about no fees, when they LIED, they charge $2.50 every time you withdraw your own money FROM AN ATM. I would rather use my bank who charge NO FEES to TAKE OUT YOUR OWN MONEY.

I am a truck driver so time is everything. I notice a transaction on my statement that wasn’t accurate and they froze my card and sent a new one! I’m on the road with no money and they sent it to my job location not my home, I arrive and it’s not here!!! I asked for overnight shipping because I haven’t had access to my money in 12 days. They said it takes 7 to get it! Not only did I not ask for my card to be frozen but you sent it to a temporary location that I’m 1,000s of miles away!!! I have no access to my my, no empathy, no care in the world from this company that I need money to do my job, eat!!! Live!!!! And they still make me wait. It takes more than 7 days to get a new card since the last card took 12 days to arrive!!!!

Chime is the absolute worst, I had my card stolen. I made my dispute, got a new card mind you this is February 14th! Was promised a provisional credit! I have police report, court reports, everything they need! I was then again promised my provisional credit for June 1st! And still nothing! These guys have done nothing but break promises and not probably the things they are saying! This isn’t a small amount of $. This is $2200 of mine they refuse to give back! The court has already sentenced the person who committed the crime! I’m overly angry and I have a lawsuit on my hands! Don’t ever bank with Chime!

Freeze account for not changing address instead of calling. So I sign up for Chime because I'm a frugal individual and don't like spending anymore more money than I have to, on anything. As soon as I sign up they have a HUGE issue with direct deposits and all account are not accessible, WHAT?!? How are you even in the ball game with other FDIC insured banking institutions? Months later because of all this Covid 19 I have my unemployment money put into their account because I like having money in multiple accounts, and don't want to mix things up. They freeze $5k+ for over 10 days (issue still not resolved) because I didn't change my address, having the same unemployment state & address that the money was coming from. What?!? I've been banking with you guys for over a year and a call couldn't have been done?

Updated on 06/21/2020: You know this is so sad. I knew I wasn't the only person who has been messed over with CHIME BANKING so I did research and boy was I right. And as I read the stories the main thing I see is how CHIME never wants to give people their money back. This is people's hard-earned monies that is being stolen and CHIME doesn't seem to care. We the customers get treated like the crooks. HORRIBLE customer service. No help whatsoever. And we talking thousands of dollars here. And we just supposed to lay there and take it.

At first Chime seem to be great until I had been I contacted them to let them know I had fraudulent charges. Over the Memorial weekend I had charges placed on my card from my place of employment. I contacted Chime and the representative was not helpful at all and it was if she did not believe me. My card was already overdrafted and the fraudulent charges took it even higher. I was told that the card was shut off. I called back because I forgot to give my new mailing address, only to be told I had to send over a photo ID. Did not get why because my other bank has never had me do this, but I send over my ID in an email. Next I am told that I have to send over some bill with my name and address, can't do that because I live with a family member sometimes so I don't pay bills.

On 4/17/2020 at 3pm, I got a notification from Chime Bank that my accounts had suddenly been closed. At this point, I had been a customer for nearly 2 years. When I checked my email for more information, I saw an email stating that they had reviewed my Spending Account activity, and said that my account was not in compliance with their policies, or something like that. All I did was get direct deposits and use my debit card to make purchases. I don’t understand what I could have done that was not in compliance, but that is beside the point - my issue was with the fact that I was given absolutely NO WARNING before my accounts were suddenly shut down and I could not access ANY of my money.

Very attentive to your request or concerns. I think out of all prepaid cards this is the best it provides you with the bank account number and your customer service is great. If you have a problem you email them they get back to you quick and solve the problem.

My initial experience with this card was great.. fast forward till about 3 months in and someone hacked my account, I immediately called because I no longer had access to my online account to even see where my money went!! Spent my whole day on hold, finally speak to someone only to hear “ it would take up to 45 days for the disputed matter to be resolved “ WTF.. it didn’t take 45 days for some stranger to steal my money that y’all won’t return.. something has to be done about these people- ASAP!! Hell, I can’t even pronounce the name of the person that stole my money.. How is it possible for someone to change all of your information with no questions asked but when I inquire about MY money, I have to send documents to prove who I am??

I needed to open another banking account and my sister recommended me to Chime. Let me tell you it’s been a month and counting and I’m still waiting for my debit card in the mail and I requested 2! The only thing I can do is make online transactions by this temporary card they set up on my account. I don’t want to keep doing that, I need money in my hand now but I can’t do anything cause Chime wants you to have an ‘Activated card’ to even transfer money to another bank, or pay friends.

I filed a dispute for a transaction using the chat feature and it gave me a message saying it would get back to me in a few days. I didn't allege fraud, I just indicated that it was not an authorized transaction. I received no notification from chime..nobody called me no email was sent.

Chime is probably fine for folks that just want a place for their paycheck to direct deposit. Trying to connect to external bank account - easily done with every other financial institution I've used previously - is an exercise in frustration. The initial link involves each side verifying - Chime says they see Chase just fine - Chase however while they can send the little micro deposit cannot withdraw it back to complete the verification. Chime says "it should work". Chase says "here are the dates/times/amount of the requests and the denial response" - given I've linked a few external accounts to Chase with no issue and the fact that Chase provides actual details beyond "it should be fine - the other side must be wrong". It's pretty apparent which side the issue is on.

Recently, someone changed the phone number on my account. Chime employees could not tell me how that was possible. The same individual(s) then closed my savings account and liquidated over $1,500. It's been over a week and I have not received any word on the status of this fraud case, even after providing them the police report I filed (without being asked or it being suggested). Keep in mind, I never lost my card. DO NOT DO BUSINESS WITH THEM!

This is honestly the worst bank I’ve ever been involved with. My ID expired a month before the government shutdown. Chime put a hold on funds until I sent in my identification. When I sent in my id it was expired two months. They are now telling me that they can do nothing to help me. And I have to wait until the government opens up to be able to access my funds. I’ve been out of work and have no food in my house. They do not care. There’s no compassion at all. The managers hung up on me multiple times and I was told I can’t even talk to the suspension department because they have no phones. I can only email that department. But they never email back. The worst bank.

I disputed a charge with Amazon in March. Amazon told me in writing that they sent my money back to Chime on April 12. On May 8, Chime told me they haven't heard back from Amazon and I have to wait 90 days. Chime told me I shouldn't have used their card for an online purchase and this wouldn't have happened. Isn't it their JOB to ensure safe transactions? (Not that Amazon is blameless, they had a seller who had no merchandise to ship and knew it!)

I was liking them at first until I filed two disputes. Chime denied both claims and refused to give me my money back saying both companies provided documentation to support there was no error. I provided them with emails and all documentation to support my claim only for them to say they decided in favor of the merchants. I wouldn’t recommend them to an enemy. I’m out of $2000 and their customer service or dispute knows anything. They are scammers hiding behind FDIC guidelines.

I was about to purchase an item when I got an error message that I couldn’t access my funds. One minute I could see them and the next I was locked out my account. They shouldn’t do this without sending you notice and giving you opportunity to get your money. I don’t get food stamps. This is both my check and daughter check I loaded to Chime. I had money giving to me from my daughters for my grand baby. All my money they just locked down and this week. I have to get groceries!

I'm shocked at how many people are actually placing blame on a bank for things the members did wrong!! I've been a Chime member for over a year and I was really worried about some of these reviews. Come to find out, members are doing things that are against Chime's policies and then want to blame the bank. Or they're dumb enough to fall for some scam artist calling and asking for their personal account information. Who would have their family and friend's stimulus check deposited into an account when the policy clearly states, "The recipient's name on any direct deposit MUST match the name of the account holder or the deposit will be returned." The member service agreement also says that we absolutely cannot use a third party to load money onto our cards or they will close our account.

On their app I tried to transfer 400.00 to my roommate for rent. For some strange reason once it sent it said it was sent to someone I didn't even know, so within 5 mins I called customer service and immediately filed a report to have my 400.00 sent back to me, they emailed a form to fill out which I sent back within 5 minutes, I called back to make sure they received it and was told that my account would get credited within 10 days, the same night I receive an email that they had come to a final decision and that no error occurred so I wouldn't be getting my money back. I called them the next Morning and they said my case was closed and that they could send me a copy of what they based their decision on and this is day 3 and I'm still waiting. I don't understand how they can continue to do this to people and still be in business, all I know is that 400.00 especially at this time is a lot of money I will do what is necessary to get my money back.

My direct deposit from social security was returned twice because they say the name did not match so I changed banks and transferred most of the money. But because they say my balance was low they put a block on the account saying I needed to provide proof of my identity. This has been the worst experience I have ever had.

Do not open account with them. My account was hacked for $1,700.00 and I filed a dispute and waited 2 weeks only for them to send an email saying they didn't find no errors. But the hacker used my information online out of state and also logged into a google account that I DO NOT OWN. The reps very rude and I now thinks it's a inside job. I will be filing a law suit on them.

Worst Banking experience I've had and that's saying much, I hate banks. Open up an account on the 13th of April received my debit card on the 18th of April, the app was working fine, I tried to start my direct deposit and it will not start, I gave the IRS my account information and they refused it and sent me a check. So I go to Walmart on the 24th and loaded 800 on the card, I received a notification from Chime saying 800 was cashed deposited into my account. My Fiance uses the card the same night and withdrew 100 which Chime and the other bank charged 550, so this left 694.50 on the card.

As soon as my direct deposit hit someone hacked into my account and took everything. They transferred it to some guy named Brian P. That’s all it said. I immediately tried to contact Chime and I couldn’t get a representative for almost 2 hrs. Couldn’t understand what she was saying bc of her accent. 3 hrs later she gave me a claim number to file my dispute. I emailed and signed everything on April 2nd. Didn’t hear anything from them in almost a week so I decided to call.

After I filed a dispute they have sent 3 different emails saying thg that the provisional credit is coming and so far 17 days later and promise promise they keep promising. But the FDIC's regulations are very specific. And Chime believes that they do not have to follow federal guidelines.

Their restrictions on availability of deposits is impractical. When money is deposited you do not have access to the funds for 14 days. You cannot deposit a check that is more than $2000. You cannot write yourself a check from another bank and deposit it in Chime. You can transfer money from another bank to your Chime account but you have to wait 7 days for that money to be available to you.

I have opened an online banking account with Chime yesterday. I very carefully entered my address information in the fields correctly. Right after I finished application, Chime automatically selecting a different address to display in my account! I could not change my address online because it says the account has to be active for 30 days first. I try to change the wrong address via the customer support tab in the Chime app. It asked me to upload a valid government issued photo I.D., front and back and a letter proof of my address. A day later, customer service ask me to upload picture of my Social Security card. 2 hours later they ask me to upload a Bank Statement. I ask them to close my account and I report it to the police. This is a traumatic experience with CHIME. I bet Chime will freeze your account for no good reason without notice. Stay away from Chime!

Simply put when Chime had server issues back a few months ago and no one could access their money Chime extended the spot me option from $45 to $100 for one (1) year guaranteed to make up for the debacle. Suddenly today without warning and no changes to my deposit schedule they reduced it to $45? As soon as this Coronavirus pandemic is over I am officially out and will be signing up with another bank that keeps their word. I believe all they care about is their valuation. Garbage.

Our Coronavirus Stimulus check was direct deposited to our checking account held with Chime. They would not release our payment for 4 days then returned the money to the IRS, stating it was fraudulent, because my fiance's name was not on my account. Chime doesn't allow two people on one account. They asked for tax returns and photo IDs proving we lived together and that it was ok to release the payment into said account. We did that, they still denied it. Returned payment to IRS and we have no way of getting the payment now. The already returned the payment, we have no way of tracking it now. They held money from people during a pandemic when Americans need the money the most.

Chime is a joke. You have to chat with a robot via messenger and they will deny direct deposits. They rejected my tax return because my husband was listed first on the return. I provided the requested documentation and still denied. I now have to wait 2-3 weeks for a paper check and I am behind on rent and bills due to covid 19. Bank anywhere else besides chime. Use Cash App or Netspend. I will never back with chime again.

Will never recommend them to anybody. I can't even get my money back from a transaction that was cancelled by the merchant. Called several times and I know they can release the payment but they don't want to. How do they know that wasn't the last bit of money I had and that's why I cancelled it. It's now April 5 and I cancelled it April 1st.

When I signed up for this, they asked for my phone number. I gave them my home phone number. It turns out they need a cell number but they didn't TELL me that to begin with. So, when I sign in, they send a text message to my home phone, and I have to tell them what the message was to verify that I'm me. But my home phone doesn't get or display text messages! So, I need to change the phone number on the account, but I can't do that because I can't sign in. I call, and they can change it for me. Except that they entered my birth date wrong, so they insist I'm not me. The alternative is to submit a ton of sensitive information over the internet "for security." And I already suspect that they won't verify it because they have the wrong birth date for me.

My paycheck comes in about 24 after it is put in by payroll. There are no ATM fees if you use within their network and there are TONS of them. The app even shows you where they are located in your area. I lost my card and had a replacement one within a week. Lost that one (yeah I know) and that one was also replaced within a week. The Spot Me feature is phenomenal! As long as your direct deposits and paybacks are consistent your Spot Me will always be there to help. LOVE CHIME.

Froze my account for no reason. Impossible to find anyone to help me get this resolved. Their support line says that they cannot help, and that my only option is to email support. Emails to support go unanswered. This is a loop that I cannot get out of, and in my research I've found that this has been done to many, many others.

My review is regarding the Chime bank Spot Me feature. Once I stop receiving my weekly direct deposit chime took away the spot me feature and this is all due to the Corona virus epidemic that we are going through but I guess this also shows how much chime cares about their customers.

To corona virus time, every is hard to get. I waited in line for an hour at the store just to get in. At the time of pay, MY account has been suspended. I used my account for eBay, I am a full time ebay seller. I got a call from Chime about my account activity, I pull out cash to buy merchandise. Sometimes pay with card when it's excepted. If I had cash deposits, I could understand. Every single $ I get is from Ebay or Amazon. They pay me, whats the problem with that. Of course there is no one to talk to, there is no # to call. Chime has no time for its customers, and if there is a problem. You're dead, no one will help you. Emergency, sorry for you no one is there for you. I rather just pay a fee, to a regular bank. Say no to online Banks and Chime all together.

To be brief, they lost my money through an ACH. They couldn't/wouldn't bother to make an effort to help or locate the funds. They kept me on hold for an hour and were rude/unprofessional. My opinion is this... This is the type of company that could care less about their customers. They are online only and it shows because they are rude and their unprofessionalism is emboldened from not having to worry about people in the flesh bringing complaints. They just let their trashy garbage hang all out without care. Basically the "internet tough guys" of wanna be banking.

My name is Kelly. I recently lost my card and had money stolen. I'm pregnant and I'm a mother of 4. I called and emailed Chime. I followed their instructions and waited three weeks. My kids starved and my landlord evicted me. Only to have chime deny my clam. I didn't steal my money but it looks like chime is. Don't trust chime. You turn your back and they probably will stab you in it. The app sucks and they crash every three months. We have started to move into a hotel. This was all over 360 dollars not that much but when you're on a tight budget it's devastating.

Opened up an account with Chime as a way to monitor my extra spending. I use it for frivolous things like Amazon purchases, Starbucks, going to the movies. A few days ago, with no warning, I attempted to log in and had a notification on the screen informing me my account was CLOSED. Surely, it was a mistake so I called- but since they don’t believe in treating people with humanity I received the automated service informing me to log in online to use the chat feature. Clearly I couldn’t log in, so I emailed them. They responded saying I was not using the service as agreed to in the terms. WAIT. WHAT? I can’t use it to buy myself a venti latte with coconut milk?

Chime was great for me for about a month. But last week I went to use my debit card and it was declined. I tried to log in to my app and they have suspended my account. Mind you I just used my card that morning. No warning no nothing. They just suspended it. Now I’m supposed to get paid on Wednesday and my account is suspended on Monday. I call to talk to customer service and they “can’t figure out” why my account would have been suspended. Like? They said I had to email in my ID before they could give me any answers. Promised me I’d have an email back in 24 hours. It’s now Thursday and no one has emailed me back. I call the customer support again and they are absolutely no help. They say it’s a different department that handles that kind of stuff. I have to go out of town for drill this weekend and have no access to my bank account or check because they can’t figure out why my account has even been suspended.

I recently used my referral code in order to get the $50 bonus that is advertised to all Chime users. I would receive $50 as well as the person I referred (my Girlfriend). I sent my code to my girlfriend. She then used my code to sign up with Chime. She then set up and received a direct deposit more than $200. We waited a day or two see if the bonus would be applied automatically. After a few days I inquired via the chime customer service feature on the chime app. I was told that the time frame we operated in was outside the chime bonus time frame. It's very convoluted and confusing. We did what we were asked to do with no supervision other than what the bonus promotion said. I feel like I referred someone to a integrity-less company. Stay away from chime. They lie and deceive in order to get referrals, then just don't pay.

A mother of 4 and 1 on the way. 6 months pregnant gets her card stolen. As she contacts Chime they give little to no empathy or compassion. Just go through the motions. Earlier the same month this pregnant woman goes on a business trip and get her card rejected. She calls in and they do nothing. It was a transaction that was double charged as far as I can see. Chime is the most slimy company. I'm the woman and I have to tell my husband who has worked 65 hour weeks that I can't get the money back. So not only have they hurt me they are now hurting my family. Don't use chime.

Opened an online account about a month ago. It has been one problem after another. There's no way to put money into the account. Tried linking to my BoA account. Wouldn't work. Chime customer service said to try linking through my BoA account. BoA doesn't recognize the routing #. You can't make deposits through ATM's, so that's out. Set up direct deposit through work two weeks ago. They took the $100 out of my paycheck, but never made it to my Chime account. Currently trying to get my money back and will be closing the account. Wasted my time for a bank account that is literally useless.

It was all flowers and unicorns until my debit went missing. If you have a debit that gets lost or stolen, don't expect them to express a new card to you. 8 days later and I still have no way to access the thousands of dollars sitting in the bank. Their solution? Join Venmo, send money to another Chime member or Paypal money to a friend. Really? How about getting me a replacement within the amount of time you say or better yet, express me a new effing card! I'm more than annoyed.

I only had my account for 2 months. I planned to use the account to help me save money, after two deposits my Chime account was closed without notice. I tried to call and an automated message just told me my account was closed. So I sent them an email to the email address provided. They got back to me relatively quickly, and gave me no indication as to why my account was closed. I asked what was going to happen to my money that was still in the account and they sent a link...to the terms and conditions.

I made a mistake of listening to my co-worker and open an account with a home, so I can get paid early. It happened twice when I tried to withdraw money from a Chase ATM and a BOA ATM and money was never dispensed from the machine. Chase and Boa said it's Chime's issue and It's been almost three weeks now and I haven't got my money back from Chime from the BOA transaction. Then today my card declined at a café for $7 while my checking acct have $700 and I had to do a walk of shame without my food after they tried to swipe it several times.

I submitted $200 to be transferred into my main account and I didn’t receive it until a week later. Which wasn’t a biggie. I just decided to place it back after I got paid since it was the next day. So I seen they had a error and placed $300 to my $400. So I didn’t touch it. I should’ve had $500 left because I placed $400 to $100 but instead of giving me my money back. They just kept it. I worked too damn hard for someone else’s to take my money and still ask for more. Yes they kept taking from my main account. I will be closing my account soon. So save you time and keep your money safe in a different bank.

Thus Chime prepaid card is the worst. My pay had been sent directly to my chime account early in the morning and I don't see it in my account until they want to release my money and telling me some bs lie about my pay goes to a federal reserve and that it takes a while. The first I've ever of this bs so I'm still waiting for my pay, this is the worst I've ever experienced. Don't get this card.

DO NOT GIVE CHIME ACCESS TO YOUR MONEY. THEY STOLE MY $919! My husband and I decided to become Chime members as a convenient and quick way to transfer money to each other. My husband is self-employed and receives his money from different sources. He signed up his account and received his card and activated it. I signed up as well, I have not received my card yet, but didn't think we needed it because you can add you own bank and debit card to the account.

Whatever you hear on China bank is absolute BS! Yes you do get your deposit 2 days early at least mine actually came in 3 days early. But I've had to make multiple request for a debit card that I still haven't received. I can't access my money for a week if I try to Transfer it from my bank account to PayPal or any other platform similar. They said the quickest way for me to get my money was to do a paper transfer from one Chime account to someone else's chime account. I don't know anybody with a chime account other than myself. They have a vote of 0 confidence from me at this point in time. I truly wonder if the other reviews giving 5 stars are accurately verified. I see more negative reviews than positive and nothing about my interaction with chime would cause me to give them more than one star. If I could give less than 1 star I would. Find you another bank because this 1 is not worth the time you will waste trying to access what belongs to you.

I had been using a traditional brick and mortar bank for a long time. I am on disability, so I get a monthly check from Social Security. With the traditional bank I was being charged an arm and a leg. I had been using auto pay to pay some bills, but with auto pay companies aren't very consistent at pushing those debits through on exact days. I get paid on the first, but auto pay changes according to days in the month. Some months are 30 days, some 31. You get the picture. I had overdraft protection on my traditional checking account. When these auto payments would go through it'd cost me $35 each time they'd bounce. It really wasn't my fault. I had told those companies I get paid on a specific day, so debits that came before that day would be rejected.

I have been a loyal account member with Chime Banking since August of 2017. February 7, 2020 is the day I would never forget. I don't have a vehicle and I'm a single mother of four. My youngest son 6 who has autism has a meeting after school. I caught a Uber there and when it was time for my son and I to order an uber back my chime card declined it. I had the app and was surprised it asked me for my information because out of 3 years I've never signed out of my app. When I then proceeded to put my account information in and chime have me a message that they closed my account.

Do not ever use Chime. They took my money from my card I only used one time and they said they want to close my account due to me spending too much money! (It's my money!) My whole paycheck is on the card. I cannot get a hold of the customer service. They said they cannot speak to me since my account is closed. I never gave permission to close or take my money. I am so pissed off. It does not deserve one star.

I set up direct deposit with Chime about 15 days ago. I have still not received my card in the mail. Note that they state, you should receive your card in "about one week". My check has now been deposited on this card and I have no way to access it. I have contacted support prior to the deposit and asked for suggestions on how to access my money. They advised using Venmo, etc. I tried this, only to find that to actually transfer any money you need your Chime Debit Card #. Which I still don't have! I mean, HELLO?! This is the reason I am contacting you in the first place. Needless to say, I am more than annoyed/pissed off. Don't do it. You are better off getting a Netspend card at this rate.

My ex husband transferred all my money on his Chime card. I called customer service and let them know. They told me what to do. I faxed all my documents to them and they still denied me of my funds. Stating they didn't see any fraudulent on my account **, why would I transfer 1400 hundred dollars to my ex husband that was my whole paycheck. Couldn't even get my kids anything to eat, couldn't pay my bills, nothing. So chime will let anyone transfer money off your card and will not pay you back. Do not I repeat do not deal with these ** period.

My son is working for a company that uses Chime cards. They have sent him 2 cards of which he has not received. We asked for his money to be transferred to a coworker so that he could access his money and it still has not been done. Now he has 2 paychecks on this ridiculous card. Worst thing ever.

I've had a lot of problems with this account!??? If you need to put cash on your account you got to pay for $4.95 at 7-Eleven. I've tried to close account before but they won't let me. I do not recommend Chime!

Called Chime to replace my Chime debit Card and was told my card was sent out So I waited for the date that was placed on Chime app which was Jan 22 2020 but I also waited a extra a Due to Martin Luther King holiday. Then I never received my Card so I called back to Customer Services and spoke with a CHIME member. Said I should wait another day so I did. No Came so I called back to Chime. I explained to the Chime member what took place then I asked the Chime member if they had the correct address. She asked my to let her know my address. She informed me that wasn't the address on file. Mind you I had called in time before and asked to update my current. Your employee didn't do it. Then the agent I was talking to at present time said she would do it. She didn't cause I asked to be transferred to a Supervisor. She informed me the agent hadn't done the address update!!

In October 2019 Chime stole money from hundreds of their members. We never got our money back, their excuse was "glitch in processor". The FDIC refuses to help any of us so it's obvious they cover for these thieves. Avoid this scam "bank" at all costs.

I have had Chime for about 2 weeks now. I have had to contact support about 4 times already, the support staff they have is outsourced, so they do not u understand the questions very well. Direct deposit does come in about 2 days early with this bank, the only downside is is that they seem to only be familiar with the direct deposit aspects. I asked them "why does it take 2 weeks for a mobile check deposit?" Got a response regarding direct deposit. I asked them why my mortgage company couldn't find their routing number, they asked me about my employer and some other questions regarding direct deposit. Had to correct them again that this was not a direct deposit issue.

At first, my husband and I had no problems with the chime banking account. Then my husband got his Chime account hacked and after we did everything we were supposed to do on resetting everything, including our phones, they were supposed to send us a new Chime card in the mail and we are still waiting on it! We have talked to customer service several times and they keep goofing up our address. First time they sent it to our old address, even though we updated all of our information on Chime. Then they sent it to an address that doesn't even exist, so there for it got sent back to the chime company and they are attempting to send it again for the third time!

At first, I had no problems with this card, but now I have a lot and Customer Service is no help. Someone was able to use my card and purchase food, without having my card. I had 2 issues where I paid on my credit card and loan using my account information and they would not pay it and I had the funds, this cause me to have a late fee. When you call their Customer Service, they have no clue to what you're talking about. I am so done with this card.

I was unable to open an account probably due to their automated system mistake. And I hoped it could be sorted out manually like many other online banks do (requesting ID pics, selfies etc) but I was told “we can’t open your account and won’t provide any further Information" which is outrageous and illegal - all banks are required to disclose the reason of rejection by the Fair Credit Reporting Act. And of course, since it’s a violation of the law, I reported this bank to the Federal Reserve System which I encourage to do all other people who experienced this.

You do not get your money two days early. They hold your money. First they say it’s processing through Federal Reserve but I called federal reserve and they say that’s not true. Direct deposit go straight to the bank. They don’t the processing number to the federal reserve. When I call the federal reserve they say Chime have to call their company directory service number. Chime say they don’t have that. This is not a good bank, prepaid account, or money services.

I thought Chime was great until yesterday when someone hacked into my account, changed my email address and phone number to their own and then emptied my bank account. It took me almost an entire day to get my email address and phone number changed back, I had to send photo id but the person who hacked me didn't. I explained that I have written a check to pay my Electricity bill, they refused to cover even that much, so my check is going to bounce.

I would rate this company and their customer support a -5. Please take the time to read all the reviews on this company. Do not believe the good things they say about their customer service department!!! There is not a single helpful soul working at Chime.... Yes, months later I am still waiting on my replacement card. The first 3 apparently “got lost in the mail.” Also if you are requesting an English representative who actually understands your concern.... Good luck lol. And this is coming from someone who Isn’t even American, and English isn’t even my first language. What a joke of a company! What a joke of a company.

I started using Chime banking and like many of thought it was great in the beginning. Now a few months later with no real issues, my card was disabled w/o my permission & after a 2 hour wait to speak with customer service, “oh well there’s nothing we can do.” ????

Omg this damn place suck. Some people took my money off my card and it took forever for the damn dispute team to give me my money back. I should have opened account with my local bank. At least the dispute would have been cleared up the same day and I would have got my money back that same day. This does not make any sense at all. They don’t care about their customer. We are put last so for anyone who trying get a account with Chime PLEASE DON'T!!!

Chime has been making sure accounts are updated daily and in a timely manner. All issues and concerns have been updated with me.

I filed a dispute with Chime in regards to unauthorized charges made on my account, was told money would be refunded to my checking account. As of today my money $82 has not been returned. I am completely disgusted and beyond annoyed by this. My money is not safe, this is unacceptable and not quality customer service.

Customer service is great. I had a problem with my order ie the incorrect amount that I needed and they help me. They also educated me on their additional services on what to do and not to do, how to safeguard my account.

I use Chime for my “mad money” as my mother called it. I use the round up feature and it causes me to have a savings account which I have immediate access to. My deposits are usually credited within one day and I am notified immediately when a withdrawal is made. They text me.

Chime is great for a couple of reasons.

In today's economy, financial services and banking, online banking has become very necessary. The convenience, easy to use, and easy access when you need it. I like how it cuts my banking time down to a few minutes without having to step outside my home. They can even write a check and they'll send it for me, all from my mobile phone or PC, without me having to lick a stamp.

It's convenient that everything is online, can get your paycheck money early if you need it. No overdraft fees, minimum balance requirements, no monthly service fees. You can also get money from ATMs. You can sign up for automatic savings so you save money any time you spend or get paid.

Chime is one of the best banks I've ever had. They're easy to get answers from. They're friendly and I would and have recommend them to anyone. They will help you if someone hacks your account. And you and can shut your account off so no one can mess with it. I'm absolutely in love with Chime.

I really like the flexibility of Chime, you can manage everything through your phone/ the app or online. Transfer money is quick and easy. Also love how you can suspend your card from being able to accept any charges.

I was with Chime Bank for over a year with no issues. I disputed some charges on my account and next thing I know they closed my account. They refuse to give me a reason or let me talk to upper management. Who knows if I’ll ever see the credit for the disputed transactions. Never in my life have I dealt with a situation as frustrating as this.

I like that Chime bank has a great APY % on their accounts but the main thing I like is that they offer access to direct deposit 2 days earlier than payday. I would improve on the cash back features of the debit card - simply put add a debit card with this feature and then Chime Bank would be golden. Although, the direct deposit in advance features highly makes up for this; sometimes waiting for payday to arrive when I need access to money is a bit of a drag.

Easy access to all my activity. I always get text messages anytime there is a transaction made like how quick you get your deposits onto the card. I like how you can deposit a check by just taking a picture of it and it only takes 1 day to get the deposit to show on my account. But wish you could speak to someone when you have questions and improve how to add cash to your card. It’s hard to talk to a live person. And I hate how to get fees from a ATM are very high and then you have to pay the atm fees as well.

I like this bank because they make everything very easy to use and very manageable. I can navigate through their web system very easily and I love the customer service that this bank offers as well. They do a pretty fine job with everything.

I like that it's online only and that there are no fees for the account at all. I love that part and their customer service is the best I’ve had. Thank you very much. There is nothing I don’t like about this bank except sometimes I wish they had a office to go into because if I withdraw the other bank charges me 5.00 to do so and that sucks.

I trust that it's a safe place to keep my money. It has a spending and savings account. It's free and you can get rewards when you use the debit card. There are no fees and no minimum balance requirements. I don't actually dislike anything but if I had to choose something to change, it would be that it's only a mobile-only bank. Sometimes it's nice to have an actual local place to go to.

Low fees with no hidden fees as well. I also love that you can get paid up to 2 days early. I love banks that show customer care and this is one is the lead. I really like that you can open an automatic savings account to help save for your future. I would lower fees and add a checking account option. It is an online bank and I think they should add new features to make it more appealing. Overall it is good but needs some improvement. It is nicely organized but there is not much information. I think the app has potential but the owners are not thinking well.

It was a good online bank. They made things simple. It was easy to use online and easy to understand. The colors on the app I liked a lot because it didn't hurt my eyes. The numbers and letters are easy to read. I would improve being able to deposit checks. Since there is no actual locations this should be easy to do but it isn't. The customer service could be a lot better. When I had to call I had to wait on hold for a very long time.

I honestly can not think of anything I enjoy towards this bank. Personally I felt that my experience with this company was quite neutral and basic. Would I return? Most likely not, not appealing and I wanted to carry on with my day. I wish I could say more but this is me talking it up therefore no I would not recommend anyone else this company due to what it provided and the service provided.

I am beyond pleased with their services offered. In fact, even being a critic, I consider this the best online banking experience one could ever engage with. Theres no minimums, no monthly fees, and no ATM fees. How does it get better, really? There is not one single aspect of this application that I would alter in any way. If it was a possibility I'd love to see them partner with PayPal so there isn't transfer fees.

Early paycheck available in Chime app and it is a really awesome features and it's app is very very simple and helpful. I just love this banking app. I wish they have a bank center so I could visit the bankers in branch.

I feel like they care about my needs as a customer. They have minimal fees and are very consumer oriented, constantly making necessary innovations and upgrades. Nothing I dislike in particular, aside from the typical bank fees and regulations, but of course there's nothing that can be done about that really. All in all I would say its a great experience with them.

It's an online bank. It seems like a newer online bank. I havent heard much about it but decided to give it a try. The website isnt as easy to navigate as others that I have used. It was harder to set up than others too. I opened the account there recently. I havent experienced much of anything with it. I only to deposit money into. I would lower the number of emails it sends me.