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.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.
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.I’ve had nothing but great experience with Chime. Great banking offers. Easy to access. Straight forward.
Hi Danny, We’re glad the Chime app has been straightforward and helpful for you. Thanks for sharing your experience. -The Chime Team
Can’t even reset my password to get in my chime account, even after verifying my account with my id
Hi Melanie, Thanks for taking the time to share your feedback with us. We understand how important it is to be able to reset your account password. For your security, we aren't able to review account-specific details over social media. Please reach out to us by calling at 1 (844) 244-6363 so our team can safely help you with this. -The Chime Team
I'm getting all this figured out . And I do like the fact that I can use finger print to log in. I would recommend this company to anyone. Thank you all and God bless.
Hi William, We’re glad the Chime app has been straightforward and helpful for you. - The Chime Team
Love Chime ! I tell EVERYONE!!!
Hi Leslie, We appreciate the review and are happy to hear you’ve had a positive experience with Chime. - The Chime Team
Thank you , for all the spot me 95s saved me a time or 2 your customer service people are great
Hi Richard, We’re glad SpotMe has helped make things a little easier when timing gets tight, and we're happy to hear you had a positive support experience. - The Chime Team
How they give let you borrow money whenever you want and give you spot me if you ever run out of money til you get paid again
Hi Kay, we’re glad SpotMe has helped make things a little easier when timing gets tight! - The Chime Team
I had someone hack into my account and made a purchase for almost $400. I canceled my debit card and I had them send me a new card. I've disputed my case three times. Each time I provide more information but they keep denying my request. I've spent hours on the phone either on hold or speaking with an agent but I'm not being heard.
Hi Jennifer, We completely understand how exhausting it is to feel like you are fighting for your money, especially when your claims are repeatedly rejected. We want to make sure your side of the story is fully heard. Since you disagree with our initial decision, please call our team directly at 1 (844) 244-6363. A specialist will be ready to reopen your case to look into those transactions. - The Chime Team
I fulfilled the bonus requirements of the direct deposits to receive $200 that first drew me in to open an account. The bank then failed to send me the debit card that had a strict timeline on activating the card. I had to reach out and request a card to be sent. Once I received it, I activated the card but it was a past their bonus timeline. I did my required part of the deal and they didn’t follow through with theirs. Poor company service. Called them and the service agent said he couldn’t do anything about it.
Hi Phillip, We understand how upsetting this is, especially when you have done your part to earn the bonus. We always strive to provide an excellent experience, and we understand that your most recent experience didn’t live up to this standard. If you are willing to give us another opportunity, we would like to review your account in more detail. Please give us a call at 1 (844) 244-6363 or reach out directly in the app so our team can look into this further with you. - The Chime Team
I’m extremely dissatisfied with the quality of security with my account. I had 65 fraudulent charges in a 27 minutes time span. Chime denied all of the disputes. The hacker even took an instant loan on my account. I am so disgusted with the quality of care I received with this matter.
Hi Dana, This sounds like a very tough situation, especially since you have already filed disputes for this. If you disagree with the decision made in our original investigation, we encourage you to call us back at 1-844-244-6363 so we can reopen the case and look into this further 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 - 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 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-a-charge-on-my-card. - The Chime Team
It is a great company idk what I would have done these last few years if it hadn't been for chime spot me and my pay these are two great features that aims to help the customer with a little help every month for that I say thank you
Hi Aneda, Thanks for the kind review. We’re glad to hear that you have had a positive experience with Chime and that our features like SpotMe and MyPay have been useful for you. - The Chime Team
I love it every time I get a job this the only direct deposit I use for all my jobs
Hi Tiff, Thanks for sharing your experience. We’re glad Chime has been helpful when planning around payday. - The Chime Team
I closed my account, which had $125 available. This was in Early May. Unfortunately, I had not updated my address, so I immediately contacted Chime. I was told they would take care of it. I called a month later and was assured that a check would be sent to my current address. Now it's August 4th, and I do not have my money. I have been ripped off!
Hi Ron, We understand how important it is to get your check sent to your new address, and we are taking your concerns to heart, especially since your recent experience did not meet the high standard that we always strive to provide. If you are open to it, we would love the opportunity to try again. Our Member Services team is ready to look into this for you. Feel free to contact them again at 1-844-244-6363. -The Chime Team
HORRIBLE SERVICE!!!!! Someone took money from my account. I filed a dispute, thinking they was gonna help me get my money back and of course my dispute was denied. I was a customer with chime since 2015. I never disputed anything on my account. Chime never had an issue from me, but when I need the help to get my money back, they gave me every excuse in the book and they couldn’t help me. I never got my money back. I’m in process of talking to a lawyer.
Hi Brittany, We absolutely understand your frustration over denied disputes due to unauthorized account access, especially since you have been a long-time member. When a dispute is denied, the charge does stay on your account history. If you have new information that was not included in your original dispute, you might be able to file for reinvestigation. This includes police reports, hospitalization/prison record, timesheets, purchase receipts, travel/GPS screenshots or proof of location. Additionally, if you'd like to discuss the details of our investigation, please contact us via the app or at 1-844-244-6363. Our team is here to help you while ensuring your account details remain completely secure. - The Chime Team
I do not recommend chime. The customer service SUCKS, the agents don’t speak English & disputes will NOT go in your favor AT ALL!
As a customer of almost 4 years I've seen good thing with chime. Helping with my credit score and easy access to land. What I don't like is how you take and issue out the MY PAY. THIS PROCESS HAS ME CONCERNING OTHER OPTIONS ABOUT BANKING. MY PAY SHOULD BE LOOKED AT ON THE HISTORY OF THE CUSTOMER.
Hi there, We appreciate your feedback and for sticking with us through the years. We understand how frustrating changes on your MyPay can be. While we do look at direct deposit amount, direct deposit history, and other risk-based factors, our system automatically determines how much you can access MyPay every pay period. When your next qualifying direct deposit arrives, your “Available now” will be reset and your credit limit will be recalculated. For additional information and a detailed explanation of how MyPay works, you can reach out to us via the app or at 1-844-244-6363. Our dedicated Member Services team is ready and available to address any concerns that you have. We hope we can continue to earn your business and appreciate the opportunity to address your feedback. - The Chime Team
My wife was using Chime for her banking purposes and somebody fished $2000 from her account. Chime did not conduct a thorough investigation and informed her, after not even 24 hours, that this was NOT a fraudulent transaction and that they were NOT going to issue any sort of refund back to her. She once again used chime for a paycheck advance to recoup the $2000. I sent her via Venmo an emergency $300. When she attempted to do a cash withdrawal, she found that Chime took that money. There is an FBI agent investigating the original fishing occurrence and I will seek legal counsel if necessary. All I am asking is that a thorough investigation is conducted and that money be returned to my wife.
Hi Ryan, Thanks for taking the time to share feedback with us. We recognize how incredibly stressful it is for your wife to lost these amount after being fished. Please encourage her to get in touch with us again in the app or at 1(844) 244-6363 if she'd like us to investigate this again. We’d also recommend her to prepare any new information or documents that was not provided in the initial investigation like police reports, timesheets, receipts, travel/GPS screenshots or proof of location. - The Chime Team
Hi William, We appreciate the review and are happy to hear you’ve had a positive experience with Chime. -The Chime Team
Don't use chime had a dispute for 79 thay declined my dispute let the store keep my money I never got my merchandise and chime let them keep the money beware of this bank this is the worse bank ever
Chime itself may not be a scam, but it appears that scammers can easily open an account. Customer service read from scripts and was of no help. Both the person who answered my call and the supervisor wouldn't answer questions, and said I would need to provide an FTC report and a copy of the front and back of my government-issued ID. That is, to resolve a problem with identify theft, someone is meant to provide MORE information to Chime.
Hi there, Thank you for taking the time to share your feedback with us. We truly understand how frustrating it can be to deal with identity theft, and we want you to know that we take these matters seriously. Our goal is to support you throughout this process and ensure your concerns are addressed as thoroughly as possible. To help us investigate this kind of situation, we currently require proof for any identity theft claim. This could be a police report or a completed FTC report, which you can obtain at www.identitytheft.gov. We have a dedicated team within our Member Services department that specializes in handling these types of cases, and they are fully equipped to assist you. If you are willing to give us another chance, we would greatly appreciate the opportunity to review your case in more detail. Please reach out to us again by calling 1 (844) 244-6363. Our team will be ready to take a closer look at your situation and work with you to find a resolution. - The Chime Team
I have found chime to trustful. They are always willing to help if you call them.I like been able to do transactions on the phone. They are secure.
Hi there, We’re happy to hear you had a good experience with Chime support. Thanks for the feedback. - The Chime Team
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