Chime is simple to use. Giving I have extreme mental health issues I often think I have a million dollars when my monthly benefits come in witch goes quickly. So I often run out of money quicker than... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have never had any issues with Chime. I've had my account for years. Get your direct deposit a few days early. Love that after awhile there is a type of overdraft protection if you need it. No overd... See more
Company replied
Chime has always been there for me when times were less than ideal financially. Between SpotMe and the more recent MyPay addition to their wealth of offerings, I never worry about how I'll pay for my... See more
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Chime is better than a bank and they value their consumers. They support and help ensure success with my financial goals with their education on financial literacy and also with their products and pro... See more
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Company details
About Chime
Written by the company
A financial technology company that helps you unlock financial progress through credit tools, access to early pay,² and no monthly fees.
-
No hidden fees
No monthly fees, overdraft fees¹, or minimum balance requirements. -
Get paid early
Access your paycheck up to 2 days early with direct deposit², or get up to $500 before payday with MyPay³. -
Smarter spending & saving
Overdraft coverage up to $200 with SpotMe⁴, grow savings automatically, and use 47,000+ fee-free ATMs⁵. -
Build credit safely
Use the Secured Chime Visa® Credit Card⁶—no credit check required. -
Banking made simple
Easy-to-use app, real-time alerts, and friendly support.
Chime helps you take control of your money.
¹ Optional services and products may have fees or charges.
² Early access to direct deposit funds depends on payer
³ Eligibility requirements apply. Not all users will qualify. MyPay® credit limits range from $20-$500.
⁴ SpotMe® eligibility requirements apply. Overdraft only applies to debit card transactions and cash withdrawals. Limits range from $20-$200. Chime® Checking Account required.
⁵ Out-of-network ATM withdrawal and over the counter advance fees may apply.
⁶ The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
Contact info
United States
- 844-244-6363
- www.chime.com
3.5
Average
13K reviews
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I have been using Chime for some time…
I have been using Chime for some time now. I haven't had a problem with it for the most part. I just decided I could trust the company enough to use them for direct deposit from my employer. I followed the instruction to set up direct deposit. I logged into my payroll and was told upon successful login I'd be directed back to chime. That didn't happen. Instead I was logged out of chime. Now I can't log back in because my biometric feature isn't available and I've used it so long I've forgotten my password. The phone number I used to sign up is changed and my state issued ID has expired and I'm awaiting a new one. No option to use my email to verify, or options to answer any security questions. I called and was told that I could use my expired ID because it wasn't a year past expired. Not true. I have no way to access my account. BS
6 July 2026
Reply from Chime
Hi Amber,
Experiencing account access issues can be stressful, especially when you're trying to set up your direct deposit. We strive to provide a great experience, and we're sorry to hear that your recent experience did not meet this standard.
We understand that you have already reached out about this, but we would appreciate another opportunity to assist you. Please contact us at 1 (844) 244-6363 so our Member Services team can check this for you and provide the next steps.
- The Chime Team
Chime is absolutely terrible
Chime is absolutely terrible. I had fraudulent activity on my account and they never investigated it and they never gave me my money back. Don’t ever open an account with Chime.
26 June 2026
Unprompted review
Reply from Chime
Hi Jennifer,
Dealing with fraudulent charges and not receiving your funds back can be incredibly frustrating, and we want to help you resolve this. If you’ve already filed a dispute and it was denied, we can start a reinvestigation for you. Please reach out to us again at 1 (844) 244-6363 so we can assist you further.
To make the process smoother, it would be helpful if you could have the following details ready when you call (if available):
- Receipts or invoices
- Delivery and shipping information
- Confirmation email(s)
- Tracking number(s)
- Any conversation with the merchant about the order(s)
- Description of the item on the merchant's website, including a link to the page
- Evidence that the price paid for differs from the listed price
- Requests to cancel or stop the transaction in writing
For more details on filing a dispute, click here https://help.chime.com/how-do-i-dispute-a-charge-on-my-card-5f509ad2.
- The Chime Team
Chime worked great for me!
12 July 2026
Reply from Chime
Hi Richard, we’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this.
- The Chime Team
So far so good what would make this app…
So far so good what would make this app exceptionally great is if they can tell whether or not, if us as consumers who do online purchases if chime can tell if the site is legitimate or a scam site. That would make them more efficient and easier to work great.
12 July 2026
Reply from Chime
Hi Marisol,
Thank you for your feedback and suggestion. We’re glad to hear that Chime has been helpful for you and we appreciate your ideas to improve security.
- The Chime Team
Good in 2019.... terrible now!
I was an early adopter of Chime in 2019 and pushed most of my friendsand family to join. They were good then but have significantly dropped in quality. Several friends have had their card numbers breached and Chime refuses their disputes. Its like pulling teeth to get any customer service. Its all outsourced and I've personally had several rude reps that just hang up on me. A good idea with terrible security that has declined to virtual uselessness. I will be closing all accounts and encourage the same of my friends and family.
12 July 2026
Unprompted review
Reply from Chime
Hi Adam,
We greatly value your long-term relationship with us and are sorry to hear that our recent performance has left you feeling let down. Our goal is to provide a reliable experience for all members, and we regret that we have not met your expectations. Your feedback regarding account protection and our dispute evaluation process is incredibly important to us.
If you’re open to it, we’d love the opportunity to try again—we recommend getting in touch with us at 1 (844) 244-6363 or in the app, so we can look into these issues and work to regain your confidence.
- The Chime Team
Chime is probably the most incompetent…
Chime is probably the most incompetent online banking service. My wallet was stolen an someone use my card i sent chime my location to proved that I didn't make the chargers sent them my location an police report an they still are denying me money even with proof that someone took my card.
6 July 2026
Unprompted review
Reply from Chime
Hi Kenneth,
We completely understand how distressing it is to deal with a stolen wallet and unauthorized account activity. If you disagree with our initial decision, we strongly encourage you to reopen your claim. Please get in touch with us at 1 (844) 244-6363 or through the app so we can look into this again with you.
To help with this, we’d also encourage you to prepare the following details ahead of calling if you have them:
- Receipts or invoices
- Information about delivery and shipping
- Confirmation email(s)
- Tracking number(s)
- Any conversation with the merchant about the order(s)
- Description of the item on the merchant's website, including a link to the page
- Evidence that the price paid for differs from the listed price
- Requests to cancel or stop the transaction in writing
Here are a few more details about filing a dispute that might help in the meantime: https://help.chime.com/hc/en-us/articles/221405728-How-do-I-dispute-achrage-on-my-card
- The Chime Team
Not Worth Your Time or Funds
Chime isn't even a bank so there's no reason to keep your money with them. They don't even have a physical location and you can't get a debit card unless you have Chime+. Yes, you can add money to an account in stores but you can end up losing your money. A scammer stole $100 from me but Chime denied my fraud dispute & appeal. They seem to approve disputes of customers who expose them on the news.
5 December 2025
Unprompted review
Reply from Chime
Hi Kris,
We understand how frustrating this is. Having a dispute denied is really stressful, and we want to provide the support you need. If you disagree with the outcome, we can absolutely reopen a re-investigation if you can provide new information that wasn't included previously.
Please contact us at 1-844-244-6363. To help our Member Services team review this further, try to gather any of the following details before calling:
1. Receipts or invoices
2. Delivery and shipping information
3. Confirmation email(s)
4. Tracking number(s)
5. Any conversation with the merchant about the order(s)
6. Description of the item on the merchant's website, including a link to the page
7. Evidence that the price paid for differs from the listed price
8. Requests to cancel or stop the transaction in writing
Here are a few more details about filing a dispute that might help in the meantime: https://help.chime.com/how-do-i-dispute-a-charge-on-my-card-5f509ad2
- The Chime Team
I'm a senior citizen and the options…
I'm a senior citizen and the options with a Chime account such as spot me and my pay and instant loans, if qualified, are great and a benefit to senior citizens besides myself! Chime should be a big consideration for seniors in banking as they provide some flexibility when you're on a fixed income like social security!!! It's a great bank and has provided me with options that I did not have as a senior citizen with other Banks!
2 July 2026
Unprompted review
Reply from Chime
Hi Syvert,
Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs.
- The Chime Team
i LOVE Chime!
i LOVE Chime! i was a programmer at a big bank years ago, so i really appreciate how great their whole deal is! early direct deposits, realtime updates, great website and app. small loans are easy and quick. one small annoyance is having to go to Walgreens for a free atm to get cash or to deposit cash with a cashier--but i can avoid that most of the time. it is well worth it for the other advantages!
11 July 2026
Unprompted review
Reply from Chime
Hi Mj,
We appreciate the review. We’re glad to hear that Chime and its features have been helpful, and we appreciate you sharing your experience on how we can improve even further.
- The Chime Team
Chime does not protect your money! Horrible company; they are not a bank
Chime does not protect your money or refund it. There is no fraud protection. All they do is deny disputes without even looking at data. They don’t not tell you why they deny it , just send you a form letter. All their representatives are foreign and do not help. Just read answers of a script. A unauthorized charge of $2500 was applied to my account by fraud and Chime will not get my money back. They are rude and do not care about their customers. Everything they market is false advertisement. Your money is not protected with Chime and Stride bank does not protect your money either. Stride will not even respond to my emails. Do not put your money here. I am getting evicted because of this and Chime could care less. Protect your money and mental health and do NOT use Chime.
Look at the response , generic cover your behind response. I have included a police report. I will be adding more documentation however you Chime has yet to explain why it was denied so I can provide the information.
28 June 2026
Unprompted review
Reply from Chime
Hi Lisa,
Thank you for taking the time to share your feedback with us. We’re sorry to hear about your situation and understand how stressful and urgent this must be for you. Dealing with a $2,500 fraud loss that threatens your housing is a serious emergency.
For denied disputes, the transaction will stay in your account history. If you have new information that was not included in your original dispute, you might be able to file for reinvestigation. Here are additional information that might help with your dispute reinvestigation:
• Police reports
• Hospitalization/Prison record
• Timesheets
• Purchase receipts
• Travel/GPS screenshots or proof of location (flight tickets, reservations, etc.)
Additionally, we want to make sure your account details stay completely secure, so we can't look into specific account details over social media. If you'd like to discuss the details of our investigation, please contact us at 1-844-244-6363. Our team is available to help.
- The Chime Team
I have had a great experience with…
I have had a great experience with chime! No overdraft fees, spot me available for those emergency situations. I have recommended to all of my family and friends
12 July 2026
Unprompted review
Reply from Chime
Hi Amanda,
Thank you for sharing your experience. We’re glad to hear that the SpotMe feature has provided the extra flexibility you needed. We appreciate you being a part of Chime!
- The Chime Team
I love Chime absolutely the best…
I love Chime absolutely the best checking account ever!!! Keep on Rockin’
12 July 2026
Unprompted review
Reply from Chime
Hi Nicole,
We’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this.
- The Chime Team
Reply from Chime
Hi Ebony,
We’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this.
- The Chime Team
Someone used my American mobile number…
Someone used my American mobile number and my email account to open a Chime account. I am no longer in the US and cannot download the app or call the help line to have the account closed and reported. Please help me with this.
I cannot call a US number from Spain. I need online assistance.
12 July 2026
Unprompted review
Reply from Chime
Hi Ignacio,
It is always a top priority to keep your identity and personal details safe, so finding out an account was created under your profile is deeply concerning. We take these reports seriously and would like to look into this in more detail.
Please reach out to our Member Services team at 1 (844) 244-6363 so we can assist you further and walk you through the next steps for your situation. If you are seeking more detailed information about your account and specific transaction records, we kindly ask that you provide proof of your identity theft claim. Acceptable documentation can include a police report or a completed FTC report, which you can obtain at IdentityTheft.gov.
Once you have this documentation, our team will be able to review your case more thoroughly and offer the support you need.
- The Chime Team
Add another one star review for Chime…
Add another one star review for Chime not to care about.
They are careless about what they pay. As another reviewer said, they are a boon to scammers. Look at all the one star reviews!
Now they seem to have fired or laid off their local customer service and they have AI, which I refuse to deal with and customer service now appears to be offshore because they all have the same accent. What happened to your American workers, Chime? I am actively looks ng for a Chime alternative and when I find one. I'm gone. It's disappointing because there is a lot to like about Chime. But disputes isn't one of them. They are careless.
11 July 2026
Unprompted review
Chime has helped a lot I got paid early…
Chime has helped a lot I got paid early and it has help me financially get back on my feet
11 July 2026
Unprompted review
Reply from Chime
Hi Johnny,
We’re happy to hear getting paid early has been helpful for managing your money.
- The Chime Team
Been using Chime for years
Been using Chime for years. Always dependable and fast. Thanks Chime!!
11 July 2026
Unprompted review
Reply from Chime
Hi Jack,
We really appreciate your continued trust in Chime and are happy to hear you’ve had a positive experience with Chime.
-The Chime Team
been the most worst bank that…
Child has been the most worst bank that I ever been banking with and I had multiple banks. It was at one point where I had some deposit go to them into my account and yeah, I got the spot me and everything but when I need help at one point I called him and ask him if they could help me out with a spot me bonus increase and they just kept giving me the runaround and one person would say one thing and then I come back another one say another thing and that one point there was one agent that said as soon as we receive your next qualified direct deposit, we could do a spot increase as soon as I got my direct deposit. It was like a whole different ball game because they no one know what the other person said whenever the time came for me to call them again it has been nothing but a headache and I don’t know if I’m gonna keep banking with them because I know there’s other banks online that gives out better offers and bonuses because since I’ve been a member for over a few years more than four years I have never received a promotion bonus or any type of bonus besides a referral bonus that I could get if I referral a friend some of us don’t even have a lot of people that we call friends that we could send a referral bonus out and even get it
11 July 2026
Unprompted review
Reply from Chime
Hi Jonathan,
We truly value you as a long-term member. We understand your frustration regarding your current SpotMe limit and want to clarify how you can qualify for a higher limit. As a helpful tip, the SpotMe feature allows you to overdraft your account without a fee. While the maximum possible limit is $200, all new accounts start with a base limit of $20 once eligibility criteria are met. Over time, Chime may automatically increase your limit up to $200 based on your qualifying direct deposit history, spending, and account activity.
You can also temporarily increase your limit by exchanging Boosts and taking advantage of special Chime promotions.
If you have any other questions, please reach out by chatting in the app or calling us at 1-844-244-6363 so we can assist you further.
- Chime Team
I’ve had chime for 3 years now and all…
I’ve had chime for 3 years now and all I have to say are great things. Their app is easy to use, money transferring from bank to bank is so quick and easy and let me tell you about the advance pay, AMAZING! I have never had any issues with chime banking and have recommended it to a few of my friends.
11 July 2026
Unprompted review
Reply from Chime
Hi Stephanie,
Thanks for being with Chime and for sharing your experience. We’re glad the Chime app has made it easier to manage your money.
- The Chime Team
Chime has been the best decision I've…
Chime has been the best decision I've made, it's Fee free, first time in a while I have savings.
Chime keeps my money safe, if it's not in my list of bills it will ask if I tried to make this payment.
I'm totally in control of my money. Thank you Chime
11 July 2026
Reply from Chime
Hi Kandi,
Thanks for the review. We're so glad to hear our fee-free features and security alerts are giving you peace of mind and helping you save.
- The Chime Team
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