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.
Written by the business, not verified by us.
Is Chime legit?
Chime (www.chime.com) has a 3.4 out of 5 rating on OK.one, based on 176 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 58% rate it 4 stars or higher while 33% give 1 star; The business has replied to 79% of negative reviews; Reviews mostly discuss Customer service, App, User experience. Last updated 2026-08-11.
What reviewers say
AI generated
Most reviewers were somewhat happy with their experience overall. Consumers frequently mention that the mobile application is very user-friendly and easy to navigate for everyday financial needs. People really appreciate beneficial features such as receiving direct deposits early, getting paycheck advances, and utilizing overdraft protection.
However, some customers also noted that customer service representatives were unhelpful and difficult to understand when trying to resolve issues. Others mentioned negative experiences regarding denied fraud disputes, unexpected sudden account closures, and sudden fees. A few users expressed frustration over extremely long phone hold times and inadequate support when unauthorized transactions occurred.
Auto-generated from all reviews of this business. For reference only.
Witholding my funds from an account they closed. Multiple outright lies I have been told from their supervisors. Was specifically told on August 3rd that they finally mailed my check that day August 3rd after I did not receive it I called and am.now being told they issued the check yesterday on August 9th. They are withholding my money past the time frame set forth by themselves in thei ownr police and procedures.
Chime is a poorly run business with a level of incompetencies that is beyond my understanding and a huge english language barrier exists among their staff. And Chime save your scripted response!
Chime is ridiculous. They closed my account without any explanation. When you call to get an understanding you get nothing. You can’t even speak to management. I have my account for several years. You can’t even speak barely understand their English people and they have no idea why your account is closed. They need better services. You can’t even appeal the closure of your account. Their no reason for my account to be closed nothing is going on. They need to do better with customer service.
Reply from Chime2026-08-09
Hi Jequitta,
We understand how important it is to regain access to your account and we recognize your recent experience fell short of the high standards we work to maintain for every member. If you are open to it, we’d like the opportunity to try again, so please reach out to our Member Services team 24/7 at 1-844-244-6363 so we can address this for you.
- The Chime Team
They suck took away my mypay because of loan and stop raising my spot me limit because of the loan as well. And neither one had nothing to do with the loan separate things, Just recently took my spot me all together because I hadn't had any direct deposit
in between jobs wasnt aware had a 35 dollar deposit come thru and took it to cover the negative spot me balance they suck all around never do banking with them ever again.
Absolutely terrible. Recently I had my account terminated over a report I put in, money was taken and sent to someone without my knowing or consent. Customer service did little to help nor would they answer any questions about my termination! Completely ghosted with no follow ups, I would never recommend this awful app.
Reply from Chime2026-08-08
Hi Clarissa,
We understand how stressful it is to face an account closure, especially while trying to resolve unauthorized transactions.
We also want you to know that we take your feedback about your support experience seriously as we look for ways to improve our service. While we cannot review account closures over this platform for security reasons, our Member Services team is available 24/7. Please connect with us again directly at 1 (844) 244-6363 so a representative can look into your options and provide the answers you need.
- The Chime Team
They will not rule in your favor with there errors. I have an issue with a merchant that I have my card number changed, opted out of their program that I didn't even knew existed that if your card is lost or stolen they will transfer your new card number. This will be the 4th call still got charged after being told i wouldn't anymore, now im out just under $500 from these charges and im looking for something else....DON'T USE THEIR SERVICE!
Reply from Chime2026-08-07
Hi Keith,
We understand how frustrating this experience can be, as we take reports of unauthorized transactions seriously and would like to look into this in more detail. Please contact our Member Services team at 1 (844) 244-6363 so we can help walk you through solutions. For additional recommendations on avoiding fraud and scams, you can also check this link:
https://www.chime.com/blog/6-tips-to-avoid-p2p-fraud-and-money-scams/.
- The Chime Team
Well since I've been a Chime member it feels good knowing they understand.
Reply from Chime2026-08-07
Hi Gregorio, we truly value having you as a member and we’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this.
- The Chime Team
T
Tatiana · 1 review · Experienced 2026-07-30 ·
★★★★★
Denied Fraud Claim Despite Extensive Evidence
I had an extremely disappointing experience with Chime's dispute process. I was the victim of a scam and submitted extensive evidence, including proof of the scam, threatening messages I received from the scammer, and the fraud report I filed. Despite providing this documentation, my dispute was denied without a meaningful explanation.
I also informed Chime that the individual was using Chime accounts to carry out scams against others, yet I did not feel that information was taken seriously or meaningfully addressed. From my perspective, it seemed as though this activity was being tolerated rather than investigated.
When I called to understand why my evidence was not enough, I was unable to get clear answers and was not allowed to speak with a supervisor or anyone who could further review my case. I made every effort to handle the situation responsibly before contacting Chime, but I felt that my evidence was ignored and my concerns were not taken seriously.
My biggest issue isn't just the denial—it's the lack of transparency, the refusal to explain the decision, and the inability to escalate my concerns to someone with the authority to review them. I expected better support from a financial institution when reporting fraud.
Reply from Chime2026-08-07
Hi Tatiana,
We understand how frustrating it is to deal with a scam and feel left without clear answers. For your security, we can't discuss specific dispute details on this platform, but we want to help guide you to the right support channels.
Our team can look into this further for you when you call member services again at 1-844-244-6363. You can ask them for copies of the evidence used in your initial case, or request a formal reinvestigation if you have new details to share.
To help make a reinvestigation as thorough as possible, please have these items ready when you call:
• Receipts, invoices, or confirmation emails
• Delivery details or tracking numbers
• Written records of communication about the transaction
- The Chime Team
Corey HigginsUnited States · 1 review · Experienced 2026-08-06 ·
★★★★★
Love it!!
Have just hit my 5 years with chime and have never had any major issues. Got it for the credit builder initially, started out maybe in the 400s now im sitting in the 700s. I also referred my wife and she's had it ever since aswell plus we both got 100 dollars for her referral. Love it!
Reply from Chime2026-08-06
Hi Corey,
We really appreciate your continued trust in Chime, and we’re glad Credit Builder has helped you work toward your goals.
- The Chime Team
Bobby RohrerUnited States · 9 reviews · Experienced 2026-08-05 ·
★★★★★
Great Banking Experience!
This company has been great. I was laid off from my job about 3 months ago. I wasn’t able to put anything in my account. I was actually overdrawn. They didn’t say a word. The things they did say were only supportive. I’m back working again. I just found a job. I got hired on to a fantastic company with fantastic people. I said I’m back working again but I actually don’t start until the 10th of this month, August. The first thing I did was sign up to have 50 percent of my check put in my chime account. I really appreciate the way they supported me through my difficult times. The last thing anyone needs is a company closing your account or sending crazy emails to you when you are down on your luck. Chime didn’t, I intend on working with them for a long time. I would recommend them to anyone. Bobby Rohrer.
Reply from Chime2026-08-06
Hi Bobby,
Thank you for sharing your experience! We’re so glad we could support you through a tough spot, and a massive congratulations on your new job.
- The Chime Team
C
Christopher · 1 review · Verified · Experienced 2026-08-06 ·
★★★★★
Easy
When I finally3figured how to send and except payment for cash it was fairly easy .
Reply from Chime2026-08-06
Hi Christopher,
We love hearing that Chime feels simple and easy to navigate. Thanks for sharing your experience.
- The Chime Team
J
JConnor · 2 reviews · Experienced 2026-08-06 ·
★★★★★
Really love the early payday and the…
Really love the early payday and the spot me really helps.. so far no complaints with my Chime card.
Reply from Chime2026-08-06
Hi there,
Thanks for your kind review. We’re happy to hear that early direct deposit and SpotMe have been useful, and that you’ve had a positive experience with your Chime card.
- The Chime Team
R
Robert King · 6 reviews · Verified · Experienced 2026-08-05 ·
★★★★★
I give thanks to chime you guys are the…
I give thanks to chime you guys are the only one’s there for me and my family and I will never ever forget this and I want let you guys down even when I’m a little late with loan payment so rest assured I will be running that loan money right back and thanks again Chime staff members
Reply from Chime2026-08-06
Hi Robert,
Thanks for being part of Chime. We’re glad we could help make managing money a little easier.
- The Chime Team
B
Broderick Taylor · 1 review · Experienced 2026-08-06 ·
★★★★★
I’ve been banking with chime for a few…
I’ve been banking with chime for a few years and I’ve haven’t had any issues . Chime prime gives you a 3.75 high yield savings account , no overdraft fees and .My pay is great too. Thank you Chime !!! I have nothing but great things to say about you guys . Keep being great I’ll keep doing my part as well. I’d recommend you guys to anybody . Thank you .
Reply from Chime2026-08-06
Hi Broderick,
We’re glad to hear multiple Chime features have been helpful for you. Thanks for the review.
- The Chime Team
M
Ms .Gwinshaun Young · 3 reviews · Experienced 2026-08-04 ·
★★★★★
Do not use !!
Do not use !!! They are a big scam they Lie and say you have spotme available when really you don’t also they take money out of your accounts without you knowing , they never replace it either do not get chime !!!! Don’t walk ….RUN
Reply from Chime2026-08-06
Hi Gwinshaun,
We understand how frustrating it is when SpotMe does not work in real time and when you experience unauthorized transactions. To fill you in, your base limit starts at $20 right after you meet the eligibility requirements to enroll in SpotMe. From there, it can grow up to a $200 maximum based on your account history, card usage, and the frequency of your qualifying direct deposits.
For further assistance, our team would be happy to take a look into what’s going on. You can get in touch with us in the app, or at 1(844) 244-6363.
We hope we can continue to earn your business and appreciate the opportunity to address your feedback.
- The Chime Team
M
Mr. Q. Allen Hall · 1 review · Experienced 2026-08-06 ·
★★★★★
As long as they can use your money in…
As long as they can use your money in your account, that’s all they want. Another check rejected is the last straw for me. No more inconveniences. Closing my account asap.
Reply from Chime2026-08-07
Hi Allen,
We completely understand the importance of getting those funds, and not being able to access your money when you need it is incredibly frustrating. We are right here with you, and we want to figure this out together to keep you as a member.
Usually, when something like this happens, it just means a detail on the check didn't quite line up with our safety, risk, or eligibility guidelines. The quickest way to see exactly what caught the system's attention is to check your Chime app. It will show you the specific error and the exact next steps to take.
We are genuinely here to help you get everything sorted out if you want to give us one more try before making a final decision. If you're open to letting us look into it, please chat with us in the app or call 1 (844) 244-6363. We are standing by and ready to jump right in.
- The Chime Team
Jan EllisUnited States · 6 reviews · Verified · Experienced 2026-08-04 ·
★★★★★
Chime is the best over Cash or any of…
Chime is the best over Cash or any of the others I’ve never had any problems with them. I trust them with my money as well.They are always there to help you if there is ever any problem you may have at anytime. you can always count on Chime. Thank you Chime.
Reply from Chime2026-08-05
Hi Jan, we appreciate the review and are happy to hear you’ve had a positive experience with Chime.
- The Chime Team
steven greenUnited States · 1 review · Experienced 2026-08-04 ·
★★★★★
Theirs no hidden fees
Theirs no hidden fees, you borrow against your next check and you can get loans with small payback fees and monthly payments.
Reply from Chime2026-08-05
Hi Steven, we appreciate you sharing this. We’re happy Chime has been helpful for your financial routine.
- The Chime Team
Michele WarnerUnited States · 1 review · Experienced 2026-08-04 ·
★★★★★
Chime helps me help my credit
Chime has made things so easy. Deposits, withdraws, and overdrafts without any fees keeps me stress free. The my pay option allows me to access my money before payday and getting bonuses for boost and referrals has allowed me to share the chime love with friends and family. Furthermore, my credit score has gone up around 30 pts and made it easy to be approved for credit I may need. Ty chime for helping me help my credit.
Reply from Chime2026-08-05
Hi Michele, we’re glad to hear multiple Chime features have been helpful for you. Thanks for the review.
- The Chime Team
Hi Nathan,
We love hearing that Chime feels simple and easy to navigate. Thanks for sharing your experience.
- The Chime Team
Nancy CrugerUnited States · 1 review · Experienced 2026-08-04 ·
★★★★★
Chime abruptly closed my account…
Chime abruptly closed my account without notice. At the time of closure, my account held a settled cash balance of $182.00, which is now completely frozen and inaccessible to me. Chime’s official public policy states that consumers with closed accounts can call customer service, verify their identity, and receive their past account statements via email. However, when I called Chime customer service today, the representative flatly refused my request. They stated I am barred from accessing any of my statements or financial records simply because the account is closed. Chime is actively obstructing my access to my financial statements. Furthermore, they are holding $182.00 of my money without providing a clear timeline, transaction history, or tracking information for my refund.
Reply from Chime2026-08-05
Hi Nancy,
We appreciate the review and we know how important it is to get the remaining balance on your closed account.
If you are open to it, please reach out to our Member Services team again at 1-844-244-6363 so we can look into what happened and see how we can support you.
-The Chime Team
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