Chime – Mobile Banking Reviews

by 🌹sydh_1206 🥀

I turned 18 recently and in an effort to become an adult I decided to go with this app to help build my credit. The sign up process was incredibly easy and seemed legit, I ended up getting a card and getting access to my account. After a couple of days, I went to Chime to transfer money and found that I was not able to log in because my account no longer existed. At first I thought I just dreamed signing up for Chime , but that’s ridiculous because I had the card. I ended up calling support and the lady I talked to informed me that my account was suspended. I had no money in the account and I only had it for a couple of days, in order to lift the suspension I had to send my ID and proof of insurance which would be all fine and dandy if I hadn’t already put my ID in Chime and felt like it was a little sketchy. She said that my account violated a term of their bank but I hadn’t violated any terms and I wasn’t even able to close the account because she wasn’t able to do that for whatever reason. Absolutely upset that now some company that had been recommended to be had screwed me over and took my information, thank god none of my money, but after looking it up I found a lot of people have had this problem.
100% do not recommend and if you do have it, look into this app closing accounts for no reason and close your account. Put your money somewhere else.

by Monelxc330

I’ve had this app for almost three years now. In that time, yes I’ve been paid early my fair share of times, however, those have been overshadowed by several more days where this app has inexplicably held my money from me without an explanation other than “it must be your payroll” to which I did my fair amount of investigation and asking enough questions of my payroll office at me job. To which I learned the day all payroll for every employee and manager goes through. A company with over 1k workers employed. If payroll has been processed on the same day and I’ve been paid literally two days later, how is it now that payroll is the issue when payroll has processed checks on the same day? The issue is this app and their lies, I’ve never had an issue with this app but I don’t appreciate being lied to about early pay when all they had to do was be honest about whether or not they can always give someone their money early. To make matters worse they refused to deposit my mobile check, stating they weren’t able to interpret the information even though it was written in plain English, then made me deposit check elsewhere, causing my spot me to reset completely. They say they’re flexible they say they’ll work with you, but when it really counts, they’re just out for your money. They don’t care about you or your family. They’ll take every dime if it makes them earn even one more. I’m done with this bank. Stop the lies please, it’s so old.

by Abi A Wil

I had a little over $200 stolen via debit card. It’s pending so they can’t dispute it, which is fine. However, typically they do a stop payment. Here you have to wait 5 days see if they continue the charge. If they don’t you get your money in 5 days (still fuel light on E, no groceries, need diapers too bad) if it does go through it’s 90 days and they dispute it. That is 100% wrong. I’m done with this app. If I’m giving out $200 loans for 90 days, I’m charging interest. This happened to me in 2020 my physical Bank, Bank of America; reversed all overdrafts they had caused, put $75 in my account while disputing the ones that had gone through and put a stop payment on all pending transactions. As the disputes were proven to be stolen they were put in my account. Bank of America also has an amazing fraud team. It took about 2 weeks for all my money to be recovered. I’ve had more money not recovered from being stolen on these types of apps than cash I’ve lost in my entire lifetime. Even Venmo stopped a payment that wasn’t mine and sent a new card for free. Do better this app! I wait for payday not to give the money away or to wait 5 days or 90 days. Bank of America is setting the bar. Try to at least protect your customers. After I get my money or you don’t fight for it and I’m just out $200. I’ll no longer be a customer my family and some of my friends have already deleted Chime.

by Kshudbd

I’ve had this app for over a year and loved it. However here lately on “pay day” I have sat all day waiting my check to deposit. Sometimes it comes as early as 11am. Others as late at 5pm. Unfortunately today my this app is unable to track my deposit and it’s not listed under “on its way”.
Once I have gotten it at as late as 12am which means only 1 day early and that is fine but what is inconvenient is how inaccurate the time slots are and have been for arrival of and now not being able to track my deposit throws me back. A lot of other banks do not associate with online banks. Meaning if someone tried to send money from a credit union to your account for this app. It won’t work. You can not go directly deposit a personal check yourself. You have to go to a gas station and jump through hoops. this app doesn’t offer loans or grants like real banks. I suggest this for teens who are just starting out however as you age and get a career you shouldn’t use this app do to all the faults snd it being unreliable. Credit builder is nice but you only build credit. There is no interest with a savings,banking, or credit account as real banks offer. The spot me feature is also nice. However it tends to come and go and only allow access when it wants.
Planning to switch banks again bc they also do not file disputes as I have had to do over ATM transactions. I still haven’t gotten my money back from this and it happened in April of 2021

by CabenZee

I’ve been with a lot of banks and I’ve never had somebody tell me that I’m not able to cancel my cards based on me not knowing the last settled transaction. I recently had my cell phone and wallet stolen so naturally I called to cancel my cards and the customer service guy said that I couldn’t cancel my cards even though I gave him every piece of information you could think of Social Security name etc. except I didn’t know that last settled transaction naturally having my phone which is basically my computer and my cards stolen . To make matters worse I couldn’t even understand what the guy was saying he sounded like he was hung over or some thing but he basically said that I couldn’t cancel my cards and I just have to let them linger and let them get fraudulent charges charged to them which is exactly what happened. Once I got my phone in the mail I was able to download Chime and cancel them I also noticed all the fraudulent charges that happened during the time I was not able to cancel my cards and they haven’t refunded me for any of them .I emailed them and called multiple times and it’s just mine blowing that I wasn’t able to cancel my cards and that the guy on the phone was so inconsiderate and unhelpful there Hass to be a solution I said but apparently not . other than this experience they’ve been pretty good so if you’re a clumsy like me and lose your stuff I would think twice about this place.

by B.groves99

I’ve been with this app for years now. It was the second bank I’ve ever used. It was awesome in the beginning, I enjoyed the perks like no atm fees and the well designed app. But lately it has gone downhill fast. Starting when they disabled spot me without any notice and at this time I’ve lost my job due to COVID-19. So lately to make ends meet I’ve been making my money through Doordash and instacart and if you do either you know it can be very little amounts you make during certain times of the week. So I had my money transferred into my this app account, witch was in the negative as it has been a lot lately for me. Well the amount I made witch was only $43 wasn’t even enough to cover my negative balance, witch wasn’t an issue because I had spot me. Well since I never got a notification that they had disabled spot me that $43 I had for the next day or two was gone and I went without the things I needed. I contacted this app and explained my situation for them to only tell me that there was nothing they could do. After about 30 minutes of arguing, I finally gave up because I was getting no where. So I felt useless to my family and they were perfect okay with that. Now we’re here today, where I need to get the things I need and I cannot access my money yet once again. I’m just going to cut my loss and go back to the bank I first started with. It’s just a shame that they treat they’re loyal customers like this.

by Cheykim

So I opened my this app account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through Chime , they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their account.

by Cmssas03

Your application is awesome. It’s easy to use and I love the easy access to move money between checking and savings. The only frustration I have with this app is the timing of my direct deposit. The consistency of direct deposits are very good or very bad! Meaning there usually 2 days before payday. Which is very appreciated. Then there’s the direct deposits that don’t get posted to my account until I call several days after my payday has come and gone asking customer service when is my direct deposit going to be posted? And I’m given the same old excuse of we post it when we get it? And then magically after telling customer service the amount of my direct deposit not being posted to my account it magically is posted. The bank I used before I can to this app always posted my direct deposit to my checking account the same time for over 20 yrs! I came to this app because I learned that my bank was holding my direct deposit for 2 days to make interest off of my paycheck before posting it to my account. But my previous bank always posted my direct deposit on payday for over 20yrs. I love my this app app but loathe your customer service and untimely direct deposits. Honestly if the direct deposits were always timely I would rate your app with five stars.

Sincerely
Scott Stewart

by WTFisfritopie

I’ve been using this app for a couple of years. I just don’t go into a bank anymore. The only reason why I am going to open up a separate account with a brick and mortar is because in the next few years I want to get a decent home loan and usually being a member of the bank will help with that. Other than that this is perfect especially for people that aren’t ready to make a major purchase yet. I have had issues in the past and they have been resolved quickly and customer support is quick to ask. For those that are having issues with the chatbot, you can just type “human” and you can submit something to them and they usually get back to me within less than 12 hours probably about four. There have been times where the system has been down. This is why I’m removing a star. The system has been down several times in the past year by several I mean like maybe three but that’s still too many times. I have a credit card as back up. Working in IT myself I can’t actually be too upset. Things happen. I am prepared.
I would not recommend this for somebody that is old-school but if you never really go into your bank or use checks anymore… (You CAN send a check from Chime and it is mailed) this is for you.

by Kryptic Arrow

*This bank has been really good so far. No fees like it says and I got my card very quickly. Just two issues I have with it so far. One is that they go through Green Dot for cash deposits. Green Dot charges 4.95 and requires a minimum of 20 to deposit. I hope that they eventually make a kiosk or something that eliminates these fees. Also it doesn’t update your account balance right away. For those of us with bad memory it makes it a little more difficult to budget. I recommend using a notepad app to keep track of your funds until Chime updates your account info. It seems to update approximately 3 hours after the transaction. It would be nice to have it be immediate. If they fix these two issues I’d say it would be a five star service. Another small gripe is that you can only get the no fee overdraft with direct deposit. Though if you budget correctly it’s not an issue. Just a small quality of life thing. Otherwise I’d say this bank does everything better than most other banks.

*My previous rating was three stars but I realized that one of the issues wasn’t the banks fault but rather the third party company Green Dot’s. I don’t like having to pay such large fees just to deposit cash but it’s Green Dot policy.

by Hellojennyfair

i switched to this app because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit.

the BEST part of Chime for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together.

it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but this app IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.

by Cmb101009

Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with this app. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in Chime , it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.)

Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. this app has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with this app and I hope that it never does.

Not revenant to Chime or bank- but cashiers at the store always say the card is a cute color lol.

by Head Knight

I started using this app when I started at my new job. I was a bit nervous to utilize a new banking system after being with Wells Fargo since the 90s. Not only did this app make it extremely easy to set up, but Chime assured me that I did not have to leave Wells Fargo right away. Eventually, because this app has been THAT amazing, I plan on completely migrating over to this app. But I want to spotlight on Chime ’s direct deposit function, because that’s where Chime truly has shined, in my opinion.

I split my check that I received, and not only has this app allowed me to still deposit 10% of my split to Savings but I’m still allowed all the features it has presented, such as Round Up. I am amazed how many lack of limitations that this company has when you’re a member of their banking system. I’m not charged for a savings account, nor do I need to have a certain amount to allow interest. Oh! By the way, when they say interest, they absolutely mean it! The interest you receive on your savings is mind boggling. I wouldn’t say it has the best high yield account I’ve used, but it is great for just a “standard” savings account without the stress of making sure you meet a minimum.

Great job, this app!

by Kelso Dun

I was done with my local credit union. Fee after fee after fee after fee. I blink and I had a fee from that bank. So I decided to try out this app. I AM HAPPY WITH THAT DECISION. I have NEVER been charged a fee with this app. They offer spot me. And as you stay with them longer, the spot me increases. So say you thought you had $50 in the bank, but turns out you only had $40. No worries! They will spot you, and you get charged nothing. I don’t use it often, but when it happens its nice to know I won’t have to pay an extra $34 or however much these days. And most of the time they send you a notification of your balance every day, except for some reason I haven’t been getting that lately. I have no issues finding an ATM that won’t charge me $2-4. My money is deposited 1-2 days early. I actually never had to contact support yet. I been with this app for a year!!! The only thing is I haven’t tried depositing money, as thats the only thing that would seem to be a hassle, but I never had to so it may not even be that much of a hassle.

If you are tired of endless fees, banks who don’t understand, corporate bank / credit union companies getting any and every little penny out of you, THIS IS THE BANKING APP.

by Nancy J. Anderson

Before I got this app, I was with BMO Harris Bank for about 2-3 years. It seemed like I was having a new issue every single week; the final straw for me was finding out my account was empty AND overdrawn, just over $50, for a “non-BMO ATM FEE”, literally with the ADDRESS of the BMO branch that was 2 blocks from the salon I worked at in downtown Chicago. Not to mention that they waited like TWO MONTHS LATER to try & charge me that fee...so I had to comb through all of my bank statements, and even after showing them the mistake was THEIRS, and THREE trips to the branch, it took another MONTH for them to fix it. this app has literally changed MY LIFE. NO fees, thousands upon thousands of fee-free atm machines, excellent customer service...I can go on & on about how much I love this bank. Best of all is when I got their Credit Builder card, back in January....I’ve been working on my credit for about 2 years now, and as soon as I got the this app Credit Builder Card, my score jumped up to 106 points on TransUnion and another 48 points on Equifax!!! It gave my credit score an overall boost of over 150 POINTS!!! If you are tired of being scammed by these banks AND want to build your credit up, *this app* is THE ONE for you!!! Good Luck! ♥️

by Deshae5151

I absolutely love my this app account! I’ve been with this app for years, at least 5-7 years. I’ve always loved it but now I extra love it. They have a “credit builder” card , you transfer your own money from your checking on to that account and then when you use the credit builder card it reports to the credit bureaus! They also started the “spot me” feature a few years ago where you can basically go in the negative without any type of fee. It gets paid back with your next deposit. You can also round up your transactions and the extra change can be sent to your savings account so you end up accumulating some money with basicaly no effort and you barely notice it . They also recently came out with the boost program. You can send up yo 4 other this app members a $5 spot me boost, so their spot me account allows them to go negative an extra $5! But the very best part is getting paid early! I get paid on Friday at midnight through my work, well everyone else does. I get my check on Wednesday! I had my most recent check around 5pm on Wednesday. Also when the stimulus checks got sent out I got mine super early. I didn’t even know they had passed the checks until after it hit my account!

by Teh_Black_One

Edit: still so great!

I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using Chime it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!

by Kat-75

I don’t write reviews but I want to thank this app for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life I just out of high school. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & knickknacks. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about this app & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for this app being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over a year now & love everything about them. Chime is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend this app for any banking needs & Thank You this app for being there when I thought all was lost.

by HarmonyLynnSeidl1998

I have been with this app for quite some time now and let me tell ya, when I say they are amazing... THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in... yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give this app a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to
save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know.

I’m not gonna lie, at first I thought it was a scam, or just another ad on FB... but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining this app. It’s worth it... I PROMISE!!

by Ishh16

Have you ever been charged an overdraft fee ? Just because you went over a dollar and you didn’t realize and now your bank is like, “ohh you don’t have a dollar now we’re gonna charge you 35$(or more).” Like who ever thought of that bright idea lol. Here’s where our buddy’s at this app come in hand, this app let’s you set up a “spot me” option for any of us that tend to go over with out looking or if we’re out here struggling needing some extra dollars before our next pay day. The spot me feature starts with 20$ and it can go up to 100$ based on the your personal account I’ve had mine before at 100$ slowly but surely got back on track financially and is now down to 20$ this app was there for me and has done for me what no other bank has done before. They also just started their credit card account which means you can fix your credit with them, also you can open up a savings account directly through Chime . I can continue spoiling this app for you, but that wouldn’t be fun for you so I’ll let you download it and explore it for yourself. Click that download button and get started today ohh did I mention they pay you 2 days early ? Come join the this app family you won’t regret it.

by Hkekahuna

You are the worst! All of you should do yourself a favor and dip out ASAP. I am dealing with a fraud and it is taking more then 60 days for them to complete. Every time I try to get a hold of them they keep telling me 45days on the 47th day and 45days after. Always 45 days. They refuse to return my funds and never have a live representative to talk too. Their Resolution department does not have a phone number and refuses to talk to anyone. Their HORRIBLE. I just went out and got a new bank account. This bank can ruin someone’s life with all the loop holes you have to go through if 1 thing goes wrong. You have no protection on your card and info. Good luck if your trying to speak to someone who speaks proper English. Your dealing with someone else’s money you should know how to talk so they understand. I was also lied too and told by A representative that I would have my money back into my account on November 30. I saw that it was never there so I called back and was told again, 45 days. I will never use them again. I had the case reopen and been waiting with PROOF and all. I refuse to put any money into that account until it’s solved. But I just went out and got another bank account that is much better. Do yourself a favor don’t deal with the hassle and get something that will protect you.

by NGTHDHD

It sooo easy to get caught up in the whole getting paid two days early thing but other than that.. this app is pretty much a joke. They’re WAY too relaxed when it comes to your money and take pride in dragging their feet with everything they do. I called Nov 8,2018 for a dispute and a month later after their Customer Service rep said that he had taken care of everything, I had yet to get my money back. After spending days trying to get a human on their customer support line I was told to use Chime for my issue. Why have a customer service number if you don’t want people to call?

I also lost my card Dec 10 and have yet to even see my new card. My account has been locked for almost a month now. When I call, I get the same generic answer “Your card should arrive in 7-10 business days.” Again... it’s been almost a month. At this point, I’ve already transferred all of my money to my new bank account elsewhere and I’m not thinking twice about closing out this card. Be careful if you’re tech savvy as well, The whole communications and control of your account through Chime seems promising at first but given this company seems to be more for show than doing their actual job you may benefit the traditional banking like Chase or TD Bank. Hope this helps!

by Bornastar

This was the first time I opened an account at a bank I could not physically attend. This was a brand new account. Decided to have our refund deposited into it. BIG MISTAKE. They started asking for proof of refund which we sent. They pushed the funds through. We had access to the funds in the account for over 2 weeks after the fact....Then, I try to log in to check the balance and pay a bill...account suspended. The only explanation I was given is that something (that something could never be fully explained) was falling outside of their banking terms? They asked for a bunch of other info (License, SS cards, Utility Bill) to unsuspend the account. I’m like REALLY?? Can someone tell me what is happening? Nothing. Me thinking it’s just some kind of misunderstanding I sent in the necessary documents and still no answer. I’m now feeling like my money is being stolen and we’re being defrauded! They have over $2k frozen that we can’t get an answer as to why! I’m so upset I could cry. I have no idea what happened, I’m getting no explanation and I’m in the process of seeking an attorney! This bank takes people’s money and suspends accounts for no reason and provides no explanation. Do not trust them with your money!! 8 years I’ve done the same transaction with my regular bank and I’ve never had this issue. NEVER.

by Crowndrive

this app has some of the worst customer experience, and that’s compared to notoriously bad companies like Bank of America. I closed my account to quickly after I requested all my funds be transferred out, and so my bank kicked them back to this app, who had already closed my account.

I got an email saying I needed to provide a written statement from my bank, into why the transaction was sent back and a list of other identification items in order to re-open my account. I’ve called three days in a row now to try and avoid having to do that. The first person didn’t know I could re-open and account and said I had to wait 30 days for a check for the amount that was kicked back. I asked for this in writing in an email that never came. The next two times I had the same conversation, each time being told a check would come and an email confirmation would be sent, still no email.

This bank is a fraud and uses the ridiculous “perk” of getting paid not two days early, but usually 1 day before payday (it’s up to two days early, so no guarantee that happens, mine was only one). That does nothing and I would rather get paid on a normal cycle then have my bank make it impossible to get a straight answer and give me my money back.

by Matt21179

I opened a this app account after seeing it was so highly rated. Big mistake. I had $450 deposited into my account. The terms
say that you can do one transaction before you get your debit card. Not true. I emailed the company to ask why I was not getting my one transaction. They kept sending me the same response that had nothing to do with my question. I tried transferring the money to my PayPal account. I’ve verified the account with PayPal. this app still would not send my money to me. Or to my PayPal.
I bet I sent them over 10 messages. And then all of the sudden I get an email saying that my account has been closed. With no mention of the $450 that I deposited. If you were looking for a quick alternative to PayPal, this is not the answer. You never get to talk to live person in customer service. What a joke. I wish I knew how to file a complaint with the Better Business Bureau.
I wish that I could post screenshots of the conversations I have had with their “customer service”. What a joke. They’ll take your money (instantly), freeze your account (30 days except they’ll tell you you can have one transaction which isn’t true), then they can close your account for any reason they deem okay. To top it off, you’ll have to wait 30 days to get your money back. (In the form of a check.)

by RoyalBossBee-ha!

If your looking for a mobile bank this is what I recommend. I have tried other ones and so far this is the one I have stuck with. I get paid two days early, wich I love. Chime is great and easy to work. I did have an issue with withdrawing money from an ATM machine at US BANK, which is where I go withdraw cash from. I withdrew $400 it gave them to me with that transaction I chose “Print Receipt” so I found out the limit to withdraw is $500. I then started to withdraw $100 more I chose “Not to Print a Receipt” bad idea because then the machine sounded like it was pulling the money and it was ready to dispense. When I get an error message on the screen saying “There was an error dispensing my money to please call my financial institution.” Which I did I called them they asked me for the receipt number which I didn’t have because I chose not to print a receipt. If I had a receipt they could of helped me faster. What happened next was they filed a dispute. I had to print out some forms, fill them out and fax them to them. Then it took 15 business days for them to review and finally credit me back those $100. The good thing is I did get my money back it just took some time.

by A. A. H.

It is true that people write a bad review before a good one. Overall I enjoy this app, I get paid early and with it being a holiday week I got paid EXTRA early which was a pleasant surprise. They did have a recent shut down that did decline our cards when we tried to use them for 2 days which was inconvenient and kind of embarrassing but the issue was fixed and they continued to show remorse. My only suggestion is I wish it showed the ending balance as purchases are made on the statement. I don’t like not being able to look back on purchases of deposits and not see what it brought my balance to at that time. I work at financial institutions and sometimes that’s what we require for proof of payment, so the fact that my bank doesn’t provided that is something that definitely sticks out for me; and in general it would help me keep track of my spending a lot better to know what I keep my balances at throughout the weeks. They seem good at looking at reviews, not sure if this is a concern for anyone else to make it a change but it would be nice if that be involved in a near future update.

by Kitjohnson1818

I absolutely love this app! Opening an account was one of the best things I’ve done. My two favorite things about this app: 1. The round up feature that automatically rounds your transaction to the nearest dollar and puts the remainder in your savings account. You don’t even realize it’s happening until you have a good amount of money in your savings account that you didn’t physically put in there. 2. GETTING PAID EARLY!!!! Yes, it’s true! You do get paid early! Depending on your employer you may get paid one day early or even two!! this app has made it very simple to get a direct deposit form/find you account & routing numbers. You also get $50 for referring someone who receives a direct deposit total of $200 in 60 days... which is pretty easy. Your referral gets $50 too! There’s ATMs literally EVERYWHERE that you can grab cash out without any fees. You can also get cash back at most stores as well. I highly recommend getting a this app account. I have no complaints whatsoever, only positive things to say! Oh and it’s FREE!!!

by Magdoline Mari

Their slogan is “banking as it should be” and it really is. I made an account here in a whim and didn’t activate my debit card or put money in the account for a while after I had it. I totally regret that now! I’ve been using my account for around a month now and this app is just so amazingly helpful. Chime makes me feel so much more in the know and this app as a bank does make me feel financially cared for. Sending alerts that easy/quick to read, even including little emojis, something you wouldn’t think would make much difference right? It does. Little details like this (for me anyways) made it so it’s not as scary or daunting to get alerts where with other big banks I would turn them off. Another sweet little thing is if you go to a restaurant or salon, somewhere where a tip is required, as soon as the merchant swipes your card you get your update but this app includes what the 15% tip would be. So simple, such a huge difference. Gah they give me all the warm and fuzzies. Making banking and finances so approachable. Love this.

by Cjc810

It used to be such a hassle to use a home, getting a new card — they wouldn’t expedite a new card, and since it’s an online bank, you were screwed until it came. And customer service, multiple times, when asked what recourse I had would say, “it’s probably a good idea to keep a back up bank account.” But now, they’ve gotten a lot better about the process of getting a new card reissued. They now accept mobile check deposits, at least up to a certain amount. And the Spot Me feature they’ve just come out with is really cool, since this app doesn’t usually work with the other apps that will front you money when you need it. Also, there’s no withdrawal limit on ATMs which is really cool. It looks like they’re finally starting to get their act together. The only thing I’m still annoyed by is that my card is issued in my nickname, so if I get a check written out to my legal name, they won’t cash it. Other than that, they’ve fixed most of the issues I used to have with them. I appreciate it!

by Krzzybzh

I’ve had an account with this app since they began. And I have yet to have a complaint. Chime is kept updated and runs very smoothly. I like the auto savings feature. I do wish there was an interest gathering savings and more banking features like loans etc but it’ll come I’m sure. Many companies have followed this app to online banking (which I believe will take over banking and do away with brick and mortar banking eventually)but none of the others are quite as well established. I’ve referred many people to this app and they’ve done away with their banks and rely solely on this app too.
I haven’t seen rewards and bonuses lately like once would surprise me. But there are offers and a few discounts available. And I dislike how I have to enter my pin every time I move away from the this app screen. Even to go back n forth to copy/enter routing number account number on another app and go back to this app, even when I didn’t close it out. But it’s fine also. Their customer service is outstanding. And security has never been an issue. I have nothing negative to say about this app.

by Dhmacf

Unfortunately due to a career loss, having to start over and struggling financially for 3 years I had no other choice but to file bankruptcy. I was told by my legal counsel that the bank account I had would potentially freeze my limited funds because one of my credit cards was linked to my checking. They encouraged me to seek a new checking account so I could maintain what money I had. Because my credit was now poor, I was denied by two other banks a checking account. Most big banks now run your credit along with Check Systems to deem you a desirable customer. I researched my options and found this app on a tech blog. I’m so very glad I found it! It is no frills checking and savings with a super simple app. It’s a traditional debit card in every sense. It’s Visa so you can use it virtually anywhere! Get cash back with groceries. Tons of ATM’s through money pass with NO fees! I know it may not be for everyone, but if you are sick of big banks and all their fees and tactics, I encourage you to give this app a try. I’m very grateful to have an option like this app. It saved me a lot of grief at a time when I’m already feeling insurmountable pressure.

by Perry Jacksen

I have been using this app for years now. My favorite things about this service are spotme (lets you spend 20 dollars past your 0 balance to hold you over in a pinch) sms notifications (texts you whenever money is spent - perfect for tracking automatic payments that come out randomly!) and the UI (easy to read menu/ overall transparency. I have it set up with direct deposit so I get my money 2 days earlier than my co-workers. I can transfer money from this account to any of my other accounts (credit union, PayPal, Venmo) with no fees. I’m just blown away. Haven’t had an overdraft fee since I started using this app. I tell all my friends about it and I hope this app grows to change the way we manage all financial aspects of our lives. I would love a feature that acts as a savings account but locks the money in until you have reached your goal amount. I tend to transfer my savings to my checking regularly but end up with no money at the end of the week. Would love to not have the option to spend my savings! Overall great bank - 5 stars - will continue using for the foreseeable future! Why can’t every bank be like this?

by -Rena-

Honestly, I was a little skeptical that the “get paid three days early” thing would work, but I took a risk and I was not disappointed at all! I got paid two days in advance which is still amazing. When I first got my card I called their call center to ask some questions about their direct deposit and how it worked so I could feel confident in my decision, they were very easy to reach and also friendly and helpful. I love that it sends me notifications when I spend money and that it gives me balance updates. I also love that they include an ATM map which I found myself using and being quite helpful. Also, the refer-a-friend program is genius and anyone who has Chime should definitely take advantage of that! Chime is super simple and easy to use and I prefer it over my own banks app. If your skeptical just give it a try anyways and you will see for yourself that it works and that it is truly better than your own bank.