Chime review
Always been great service
Payday
I love the fact that you get paid two days faster than your normal bank would pay you when you have a deposit direct.
Severe Limitations
There are a lot of caveats they don't tell you about:
1. No wire transfer functionality. If ever someone has to pay you this way, you're out of luck. I had to open a whole new account with a traditional banking institution to get around this.
2. Good luck *ever* getting a rental car or hotel. Most companies that offer these services refuse to accept Chime cards. Granted, that's probably just a way for those businesses to stealth discriminate, but it's important for people to know. You can find yourself in a pretty precarious situation if you need a hotel or your car is in the shop and you mistakenly think your Chime card will be accepted. In all likelihood, it won't.
3. Your ability to use the fee-free overdraft and MyPay cash advances are entirely dependent on how much money moves through your account. You might suddenly find that that $75 overdraft privilege and cash advance you were depending on for an emergency grocery run is suddenly reduced to $20 and you can't use your advance because you had a bad month and didn't deposit enough money to maintain your overdraft limit or get offered an advance payment. Basically, in order for these features to be properly available to you, you need to have enough money to not really need them in the first place.
I'll be deleting my account after I transfer all my automatic payments to my new bank.
1. No wire transfer functionality. If ever someone has to pay you this way, you're out of luck. I had to open a whole new account with a traditional banking institution to get around this.
2. Good luck *ever* getting a rental car or hotel. Most companies that offer these services refuse to accept Chime cards. Granted, that's probably just a way for those businesses to stealth discriminate, but it's important for people to know. You can find yourself in a pretty precarious situation if you need a hotel or your car is in the shop and you mistakenly think your Chime card will be accepted. In all likelihood, it won't.
3. Your ability to use the fee-free overdraft and MyPay cash advances are entirely dependent on how much money moves through your account. You might suddenly find that that $75 overdraft privilege and cash advance you were depending on for an emergency grocery run is suddenly reduced to $20 and you can't use your advance because you had a bad month and didn't deposit enough money to maintain your overdraft limit or get offered an advance payment. Basically, in order for these features to be properly available to you, you need to have enough money to not really need them in the first place.
I'll be deleting my account after I transfer all my automatic payments to my new bank.
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Deceptive — Pitch $100 but tell you direct deposit needed only at the end
Deceptive: Pitch $100 but tell you direct deposit needed only at the end
10/10 recommend !
I love chimeeee
Banking
Useless app and banking. Equivalent of having a bank at home, bare minimum and even worse. Vibe coded infrastructure. L .
Chime
Best Bank!
Blessed with chime!
Chime workers have been awesome at what they do with they’re work with chime very respectful and very very helpful thank you chime
Best bank I over banked
Chime has helped raise my credit and save me money.
Direct Deposit is a MUST
Cash Back and Spot me is all I have to say. Love it
Best bank
Chime is truly the best bank ever
chime
love being able to get my paycheck before my original paydayyy
Great app!
Love my chime banking
It’s a great bank
I feel like my own bank is on my phone and it is!
My pay
Took my money and didn’t give it back took 300 from me
I love chime
Chime is always there for me. I will recommend them every chance I have
Chime love
Chime is always prepared to have your back
🫶🏽
I love chime!
Dollar store
Charge 4 dollars to add money
Years
Going on 10 years I been with chime
