Leave a Review Chime
Great for what it is
Perfectly reasonable and useful app and service. I've used this service for 2 years and rarely see bugs or glitches in the app. Typically my paycheck is deposited on the same day that it is processed by my payroll (2 days before traditional banks). There is no option for joint accounts at this time, but it's very easy to move money to or from another Chime user. The credit builder service is excellent, particularly when used in "safe" mode. The app allows you to set out a portion of each deposit for Credit Builder and Savings automatically, which makes setting up auto-pay super easy for recurring bills. Spot me is a nice plus for the occasional overdraft, and the MyPay loan option is useful for tight weeks as long as you budget appropriately around paying it back. Mobile check deposit is easy to use and typically processes quickly (often same-day) unlike other banking apps I have used.
I deducted one star due to the fact that a not-insignificant amount of other money/budgeting services do not work well with Stride bank, but that is not a reflection of the app.
Overall, I would recommend this app to people who either do not have any mingled finances but do frequently send money to friends/family and to those who have mingled-but-not-merged finances as it allows easy transfer between users (and non-users) while maintaining an individual account.Show lessDavis.92
Best banking app ever made!!
I never write reviews, but I felt I had to leave one for chime. Chime is hands down the best bank I have ever used personally. You get paid 2 days ahead of normal pay day, I get $200 spot me for free overdraft which gets taken out of my next paycheck automatically. Most banks charge $35 fees for each time you overdraft(even if the purchase is just for $1). I also just got approved for $150 “my pay” which is a new feature that’s basically a cash advance until the next pay check deposits and it gets taken out. I have had a hard time with other banks in the past and with keeping up with all the fees they would charge. I would end up owing them too much and close the account. Never had any issues with chime, actually chime has even helped me build my credit. But for some reason my credit card got taken off of my account. That is one of the only things I could complain about. I don’t understand what happened with that but yes it did help build my credit at least for the time I had it! Love chime! I will always bank with you & I always tell my friends about chime but always forget to send them the link from my phone to invite them so we both can get $ for them signing up!Show lessLexisrhea124!
Chimes character
I’ve been using Chime for years. It gives me great pleasure to pat them on the back and say, “Chime is the #1 online banking app/resource out here, hands down no other is as worthy of this pat.” Over the years of being a Chime member, I have not had one conflict or account issue whatsoever. I truly mean this. Chime has built in programs that are centered around any members association as smooth and stress free, period. Chime also opens opportunities for members with a boat load of perks and incentives. As a matter of fact, Chimes “Spot me” has saved me, helped me, and, assisted me in tough times. I’m not payed to share this with you. I’m telling you what I know and I have been using Chime for quite some time. Do yourself’s a favor. Sign up and tell me if I”m wrong. Word of caution, you won’t be able to because you will appreciate it just as I have for all these years. Thank you to whoever introduced chime to the public, you really make a difference and impact lives. Lastly, chime helps boost your credit score as well. They have features that you can utilize say in paying your phone bill, utilities, mortgage, you name it. Chime verifies it and reports it to all three credit bureau's. You get the benefit of watching your score grow, in real time! Chime is in a class all by itself!!Show lessRoyizm
Self-Employed Missing Benefits
I have been with Chime for several years now, and I absolutely love it! I have never been with a bank and had an account in good standing for this long. There are a couple of things that I want to complain about, though. Lol. I am self employed, and because I’m self employed I miss out on benefits like Spot Me, and I hate it!! Because I’m self employed I do not have a way to set up any kind of direct deposit, and Spot Me now requires having a direct deposit set up. I wish Chime could figure something out for those of us who are self employed, because I’m sure I’m not the only one this affects. What about looking at my past deposit history and how long I’ve had my account, and coming up with a fair amount that I could get through Spot Me? I mean, I’m going to pay it back…it’s not worth losing my account over a delinquent Spot Me amount. I know Chime might see this as “taking a gamble”, but my account history will show you that I’m not going to screw my account up over a Spot Me amount. Even having direct deposit isn’t a fool proof way of using Spot Me…what about people who borrow money through Spot Me and then cancel their direct deposit? Please, Chime, think about this and let’s come up with a solution for us self employed people who need a solid every now and then!Show lessmya eglen
Left Citibank for Chime Banking
I left my bank of ten years Citibank because the late fees overdraft processing teller needs a break manager goes to bathroom fees were outrageous! Saw Chime and read the reviews and thought what it can only be as bad or sunny side way better. Right away Chime blew Citibank out the water no fees ever for any reason none nada zip zero! Then they give you a option to build your credit without going outside there system which leaves you open to some shady card that you end up spending more in interest than on purchases.
Want a savings account ok here you go and here’s the rate your money will make for you.
WtFudge is this for real. Was my inner monologue happening by time I got signed up for all there perks and got my direct deposit switched within a few mins and few bits of information like where to get my deposit from, they did the rest!
Not only do I get my deposits 3 days early I also went from a 625 score to 710 just from there credit builder! It works. Just don’t go negative leave money in savings and make sure credit builder always has at least half of what you direct deposit for your credit builder and in 4 months, on loss of life I swear, 4 months that’s how high my score shot up!
And this is just the tip of all the benefits chime has to offer. I’d be here awhile going over each one so like me what do you have to lose if you want to test it out leave your old bank account open till your sure this is the bank for you. Eazy peazy!Show lesssaxnsaum1
Must set up direct deposit to use
I downloaded chime to use as a secondary bank account to save money for my wedding next year but still have it easily accessible for when we need to use for things like deposits. Thinking in could just transfer the money from my main account (with Northwest bank) into my chime checking account and use the debit card when needed. Wrong! I liked that I could use my debit card from my original account to transfer money instantly. Well I only realized after my first transfer that there was a $200 monthly limit on this AND it was only available for the first few months of my Chime account being opened before it wasn’t an option at all. Annoying but I can just do a bank to bank transfer which will take a few days but I’m patient I can wait. Turns out Chime has an error with my personal bank AND the joint account I have with my fiancé through Citizens Bank. 😑 which means the ONLY way to get money into this account it to set up my direct deposit through work which I am not going to do as it’s not my main account. I should have known that something was off when they pushed SO HARD for me to set up direct deposit during the initial set up process and I’m sure it was in the fine print somewhere but it was definitely misleading. I assume since Chime is free they get some kind of money when people set up direct deposit with them but I do not feel like it was made clear that the whole account would totally useless unless you use direct deposit with them.Show lessRussellom15
#WhyIChime
I’ve been with Chime for years now and I can honestly say that this is truly the easiest and most reliable banking app that I’ve come across . I love the fact that Chime uses spot me so anytime I’m ever in a tight spot, I can get a little extra cash to help out and how can you not love getting paid two days early I mean seriously the fact that I get paid on Fridays, but I receive my paycheck on a Tuesday is so helpful and I’ve used this app since before the pandemic and through the pandemic and I haven’t had an issue with getting any type of direct deposit or any Cash withdrawal or honestly anything for that matter when it comes to any of my finances on Chime and every time that there’s ever been an issue, which has been very very few, the support team has instantaneously taken care of and made sure that I either received my money back or the situation was taken care of without sweat off my back. Chime has always been a huge support when it comes to taking care of me as a customer and as a user of their application, so the reason I chime is because it truly does make my every day life and life in general just that much easier to be able to have all of my finances right there at my fingertips and be able to use them safely without having to worry about my account’s stability or security.Show lessBmayes123
Best Banking account and credit building account!!
So I wanted a checking account to have my checks deposited in every pay period but I wanted an account that lets me sign in on their app for all the companies I pay bills with like spectrum, AMERUN UE, Spire Gas bill, T-Mobile bill, and many more and chime allowed me to not only set up my payments from the chime app and allowed me to log into them but chime also set me up with a credit builder account so I can move all my bill money instantly to my credit building account (they supply you a green credit card as well) and I pay all my bills with the card but also everything else I purchase or pay for I use my credit building card and they literally report EVERYTHING! It’s helping me build my credit and get my debts paid off as well and reports that too! I’m telling you Chime is where it’s at! I used to have a regular checking account at a local bank but kept getting hit with overdraft fees constantly so I switched to chime ! Also when you set up direct deposit and you get your first direct deposit chime will sign you up for something called “Spot Me” which will allow you to borrow money for debit card purchases only so you can use it for anything but an ATM but I’m ok with that and you don’t get hit with all those overdraft fees ! I’m telling you go sign up now!Show lessBam bam 90
BEST BANKING APP YET!!
I cannot say enough good things about chime, I was worried @ 1st, I’ve had trouble with banking apps In the past when it comes to customer service & especially when fighting charges for purchases that did not happen or didn’t receive. Other apps are either too complicated because you cannot talk to anyone only text and/or they never do anything about it! NOT CHIME…. I can call email or text. And if your claim is legitimate they will get it handled! And they have! And There’s no crazy maintenance fees! I love this app and hope it never changes!!
To The reviewer’s complaining that there is a $5 charge to deposit cash anywhere other than Walgreens which is free, WAKE UP!
Obviously you never had a bank account, HOW DO YOU THINK these companies make money, this is a business you do realize that, Don’t you?
Businesses cost money to run, and there in business to make money! You don’t start a business NOT to make money, Now do you?
Smfh… EVEN BANKS HAVE FEES, Every financial institution has fees! My god these people want everything for free and never think WHO IS PAYING for these conveniences they enjoy so much, but god forbid you ask them to pitch in a little to support those conveniences, They start crying about it, I just can’t understand where there minds are!?! obviously it’s a big clue Why there Not Business owners themselves!!Show lessSEmmett22
Don’t use this app! Garbage
I have had this app for a couple years and didn’t use it too often until recently. Since my first experiences were good I switched over to using it as my full time bank. HUGE MISTAKE! They did everything they could to screw ke over. I was in a bad spot and withdrew my 401k and was sent a US bank check which I cashed using chime. They held it for 6 days making me wait until the following Monday when it was for an emergency! And to top it off I had verification from the issuing bank that the money had already cleared and they had it and were holding it for zero reason! When I attempted to talk to a bank manager or someone who could help they repeated the same couple of cookie cutter customer service line stating they understood and would help just to have nothing change! They told me it is for my own protection even though the money had cleared and there was no more risk involved just needed to pay me! They did not they left my family including 5 year old son sleeping in a car for numerous days! And to top it all off the level 2 person who handled my a complaint basically said have a nice day and disconnected. I was switching over my direct deposit and was positioning to use chime and only chime now I wouldn’t wish them upon my enemy. If you want your money taken and held so they can illegally use it for quick investments then go for it. If your looking for a quality bank who cares for their customer you won’t find it here. Horrible!!!!Show lessthe12fear
