Leave a Review Chime
Don’t Use Chime!
Chime is a meta bank so it isn’t accepted by 90% of financial institutions which will create a huge inconvenience for most. Also they are not even based in the US so you will be talking to someone in another country with English as a secondary language equally infuriating. Currently it’s been 2 weeks & I still haven’t received a replacement debit card after chime TOOK IT UPON THEMSELVES to report my card as stolen & cancel it the week I had a deposit coming when I had simply said “please block this merchant” which they’d done before without interfering with my card now it’s going on 3 weeks I haven’t been able to access my own money due to their sheer stupidity & lack of listening skills. Them being a meta bank I had thousands of dollars worth of unemployment money I desperately need & waited months for already returned because unemployment refuses to deal with them so now I’ve had to wait an additional month for that $ that I still haven’t gotten in addition to to the debit card debacle & often customer service will lie & said they did something to get you off the phone for you to later discover it wasn’t even done!!! This is how they treat a 2 year customer NEVER AGAIN! I will be cutting these cards & deleting the app, save yourself a tremendous amount of trouble & get a real bank account with a bank you can walk intoShow lessafriendofthebrothersnsisters
No update notes/ annoying
Now complete with outside advertisements on the front page of the app. It gets worse and worse. To everyone getting their money stolen by Chime I highly advise filing FDIC complaints which you can do online. Update notes aren’t a place for your bad jokes. The application is mediocre and the developers act like kids. Kids who get to secure access to your accounts. The only reason this app is so highly rated is dumb people rating the service and not the application. So let’s do that. It’s not a real bank account and many services won’t recognize it or it’s “debit card”. My card hasn’t worked right in chip readers 90% of the time and I’ve replaced it multiple times. Credit builder won’t let you choose any number to move money over. It will only choose large numbers based on a high percentage of your balance. An adult bank should let me make adult choices. A quarter of the app is dedicated to advertisements that are misleadingly presented as tailored offers for you, but rest assured they’re just ads. If you have to use their slow and confused customer service then expect to bombarded with multiple unsolicited emails acting as if it’s your duty to rate the service you received and including ramping verbiage about how you still haven’t fulfilled your responsibility. Sadly they are somehow still better than the major banks and I’ve been too lazy to find a better service so far.Show lessLordenki40
Up-and-down
This app should have a running balance so we can keep track of how much we spend per day. All it shows are expenditures and not a running tabulation…that’s a problem. PAYDAYS: Sometimes I get paid one day early sometimes I get paid two days early. Sometimes I get paid on the day I’m supposed to get paid. When I first opened the app it took 7+ days just to move money between accounts using Chime. Because chime runs through a regulated bank they should also mail a statement if we desire them. I have to print them at home. Chime once stole five dollars from me, and I’m not sure if they ever replaced it or corrected the deficit. Chime runs their whole format based on a “fee free” system where you can find fee free facilities in the mapping tab. Walgreens charges a dollar to load the card. CVS charges anywhere from 5 to 7 dollars to load the card. (Both are included in the fee free mapping/Location tab). When I called CHIME they said vendors such as Walgreens and CVS add their own charges. Well isn’t the point of “fee free” supposed to be use of the card without charge. Walgreens and CVS are supposed to be partners in the system they have no right to charge for that money at the checkout and Chime has no right to claim free checking if their partners are not honoring the system in place.Show lessAlien Comic
Refer a Friend Program Needs Review
My friend has been bragging about this app for months, about how great the spot me is, how she was able to get her credit score up, all sorts of wonderful things. I was a bit surprised when after creating my account I realized I didn’t use her invite link. I contacted support just minutes after account creation, and although she was wonderful, she was unable to fix the refer a friend and even if I cancelled out the newly created account and made a new one, it’s all tied to your personal info and there was no way to get her the bonus. I get that may be a lousy reason not to trust a company, but missing the first opportunity Chime had to rectify a simple clerical error only minutes after opening an account is pretty telling of what I have to look forward in the future if I chose to continue business with them. I was only an account holder for approximately 20 minutes before I asked to cancel the account, customer support needs to be empowered to help customers with this or allow new accounts a grace period before their first qualifying direct deposit. Won’t be returning, and I hope this warns the next would be customer about the level of customer service available at Chime.
Also, the account closure email is a little aggressive seeing as I am the one who asked to close it:
Following a recent review of your Chime Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time.Show lessK3Y80RD5M45H
A good and simple banking service
Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.Show lessOmuyasha
I love chime
I banked with Wells Fargo before which stole money from me and gave me fees that I didn’t know about they really killed my trust in banks but then I heard about chime and even though I was scared I tried it anyways because I was starting a new job and didn’t want my checks deposited into Wells Fargo so I with faith downloaded chime about 2 years ago and I can say they I trust them the most I love that they have a credit card to build your credit but they only take the money you put in like a debit card they also have an over draft safety net and you can send an extra 5$ boost to other people and they can do the same for you and if you share chime there is a sign on bonus as well I couldn’t think of a better bank it is completely built for the people with no fees and makes it super easy to build your credit and I’m a college student who graduates soon I would like to buy a house so I need to raise my credit score so I pay my phone bill and sometimes tuition payments with my chime credit builder snd minute purchases as well like dollar tree they all count no matter how big or small If your thinking about trying chime MAKE THE JUMP. You have nothing to lose from a former person who didn’t trust banks they have restored my trust and given me many opportunitiesShow lessIg@Takenartist
Pretty good except for check deposits
They recently started holding checks for a week before making the funds available. I’m not talking about a personal check- I receive a regular paper check from a bill-pay service every two weeks and the money is drawn from the source account when the check is issued. If there aren’t enough funds, the check won’t be issued. It’s like a cashier’s check. Chime used to make the funds available at the end of the next business day but now it’s a painfully long time for a check like this. I would understand for personal checks but these are like cashier’s checks and I’ve been depositing them with no problem for years. It was a major hassle when the delay first came into effect and a bunch of my bills could not be paid on time. It’s a bummer. My card has also been randomly declined in situations when there were enough funds. Both times I was able to withdraw cash from a nearby ATM (with fee) to pay the bill I couldn’t pay directly with my card, but it would’ve been really annoying if there hadn’t been an ATM nearby. I called to see why the card was declined and the card services people were unavailable- once at night but the other time at 4 or 5 in the afternoon— they were already closed for the day. Maybe it was after closing on the east coast?Show lessGMoney332
Simple & hassle free! No overdraft fees!!!
I’ve been using Chime for a little over a year now & I absolutely love it! I love the convenience of being able to manage all my accounts from my phone, & the app is very user friendly & simple to navigate. One of the biggest reasons I’ve heard others say they are reluctant to use Chime is not being able to go into a physical bank location if they have a problem with their account. However every time I have had questions or issues & used the chat feature, my problems were resolved right away! I also love that there are NO OVERDRAFT FEES & you get a REAL TIME BALANCE!!! The reason I left my previous bank for Chime is because they were very slow to post transactions; so I’d check my balance & think I had enough to to pay a large bill only to find out days later that I did not have enough money & then get hit with a $30 overdraft fee EVERY SINGLE DAY MY ACCOUNT WAS NEGATIVE. With Chime, you can see your pending charges, & they will even spot you up to a certain amount until your next pay day if you accidentally overdraw your account! If you do accidentally overdraw & don’t have enough funds available in Spot Me credit, they just decline the transaction instead of hitting you with overdraft fees. All banks need to do that in my opinion! I highly recommend banking with Chime!Show lessKati3K@t
Excellent bank, excellent app
I use Chime credit builder constantly and since adopting it have substantially raised my credit score, unlocking opportunities I otherwise never would have had. I also enjoy the luxury of getting paid 2 days earlier than normal pay day. Spot me has also saved my skin on SO many occasions. The seamless integration to Apple Pay was also extremely refreshing from the hoops you normally have to jump through to get other traditional cards on such.
Cons are few and far between, the main downside being getting charged at most ATMs to withdraw money but luckily I rarely do so that’s not a deal breaker for me. The other con is not being able to deposit cash without a fee for a vanilla reload at stores, which again isn’t the worst thing ever for me nor a huge hindrance. If you like having checks, depositing or withdrawing cash, Chime isn’t the best choice for you but for everyone else, the benefits outweigh the drawbacks. I feel the fact that they don’t charge overdraft fees far outweighs any of the negatives and give it a solid 9.5/10. Really great bank and excellent app design, easy to navigate. Would recommend to anyone. Last mention is the perk of getting $100 for referring people to Chime!Show lessBlack_n_Yell0w
Love it
Had chime for a few years, only had two problem with them so far, hopefully no more problems!! 1st problem I had was my phone number, my phone broke and had to use a backup phone and when it got fix it wouldn’t let me change my number back and it took months for them to let me change my phone number back, the second problem was with them and Walmart plus. When Walmart don’t have your stuff they supposed to give you back your money but if you don’t say anything they will keep it and lie and say it’s your bank and they only charge for the products they did give you. When you speak to chime they claim Walmart didn’t charge the first charge before Walmart found out they didn’t have the products. I made two disputes about it never got my money back nor touched my card until I got my money back. Other than them problems they are okay. When I use my card they always take their money right than and there and only charge $2.50 for using atm. I only came across two companies who don’t take their money right away which is gerber life & amazon(depending on what you get and the shipping estimate date)and I put them payments on my credit card which I like bc it really do helps with your credit.Show lessAjxjojo
