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Money & Insurance

Chime

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176 reviews

3.4176 reviews
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About Chime

Data updated
Website
www.chime.com
Category
Money & Insurance
Location
United States
Status
Unclaimed
Last 12 months
176 reviews
Replies to negative
79% (52/66)
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844-244-6363www.chime.com

About this business

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.

What people say

Brianna SantosUnited States · 1 review · Experienced 2026-08-02 ·

I love chime

I love chime! We get paid early, chat and even a live agent is always available when you need em. Definitely would recommend if all my peoples didn’t already use it lol.

Reply from Chime2026-08-03

Hi Brianna, Thanks for the review! We're glad this feature helps you plan around payday, and we're so happy you had a great support experience. - The Chime Team

Joshua PraterUnited States · 1 review · Experienced 2026-07-26 ·

Chime will not help me get my closure check.

I have been trying to open an account with Chime for two years. I continuously got denied signing up for a Chime account and I never got an explanation. I contacted their customer services for the first time on Thursday, July 23, 2026 to get more information on why I couldn't sign up. I learned this because this is what the verified my identity over the phone. They advised me my account was closed on January of 2021 and I had money they owned me of $1003. They advised me they plan to send me a closure check for the amount and all I needed to was provided them my updated address and email address to escalate it. I was told I couldn't reopen my account or open a new one. I get an email response on Sunday morning from "Mary" in member services advising they could not locate an account with the email I provided and needed a verified email and to call customer services at 844--244-6363, to update my email address over the phone on the account. So I called them Monday morning when I saw the email. During that call, I was told they had to escalate the call via email (again) and I had to provided my updated: email address, DOB, and updated address as a response to the email I received from "Mary'. I did this and "Mary" responded she couldn't update any of the information I sent through email and to call 844-244-6363 to do so. I had explained to her that I don't know what email is attached to my Chime account because when I try to login, it wants me to make a new account and when I do "forgot email" with my phone number, the updated email I gave them is sent to my phone via text. I called again Monday morning 07/27/2026 at better hours before work to try to updated the email to my account and again. I called again around 9:58 am and 12:14 pmto request to speak to a supervisor or that department. The representative I spoke this time argued and stated he provided all the help he could. He hung up on me. I emailed "Mary" to file a formal complaint on my incident. I called back on 07/30/2026 because I got an email again stating my email isn't secure with Chime and use the old email address despite me explaining I tried all my emails in forgot password with no email attached to an account. I asked to talk to a supervisor and was hung up on after the customer services rep repeating the same prop and arguing they did everything a supervisor would. I called on 08/01/2026 to provide another email to receive the same email stating it isn't verified. Response to Chime: Your response is apart of the issue and is similar to the email responses. I don’t think you read and tried to understand. I’ve called that number multiple times to do so with no help. Your response is unacceptable.

Reply from Chime2026-08-03

Hi Joshua, We understand how challenging this situation must be and are taking your concerns to heart, especially since your recent experience didn’t meet the high standard we always strive to provide. Each Chime account is tied to a member’s personal information. At this time, we cannot change or issue new account numbers once they have been linked to your profile. For your security, we aren't able to review account-specific details over social media. Please reach out to us again by calling 1 (844) 244-6363 so our team can safely help you with this. - The Chime Team

Nate SmithUnited States · 1 review · Experienced 2026-07-15 ·

A payment was canceled and return to…

A payment was canceled and return to chime, and chime fails to release it. They had me dispute it, to deny my dispute. When I call the sender they have no record cause on chimes end there was an “error while processing” and I’m out a lot of money. No one will help. Filled with BBB.

Reply from Chime2026-08-03

Hi Nate, We understand how frustrating it is to see your dispute denied, especially since the transaction in question has already been canceled. We recognize how important it is to have those funds returned. If you have new information that was not included in your original dispute, you might be able to file for a reinvestigation. Documentation of the cancellation (such as a confirmation number or email) and communication with the merchant regarding any exception provided to you could help with this filing. For further assistance, you can definitely get in touch with our Member Services in-app, or give us a call at 1 (844) 244-6363. - The Chime Team

John CorbinUnited States · 1 review · Experienced 2026-08-03 ·

i really love my chime , BUT DO BETTER

i really love my chime , but no where on this earth can i take more than 400 bux in a day out of my account thru an ATM and its BullShit , i get damn tired of having to make multiple day 400 dollar with drawls of searching what what ever location im at looking for money order sales i should be able to with draw the advertised amount of money chime claims i can with draw DO BETTER , GET A BETTER REVIEW!!!!

Reply from Chime2026-08-03

Hi John, We understand how frustrating it is to have limitations on your ATM withdrawals. Your daily spending and ATM limits depend on your account type and, for debit cards, your direct deposit history. Limits reset at midnight Mountain Standard Time (MST) each day. Fo further assistance, please reach out to us through the app or call 1 (844) 244-6363 so our team can help you with this. -The Chime Team

King KingUnited States · 2 reviews · Experienced 2026-08-03 ·

The customer support is piss poor

The customer support is piss poor they don’t care about what happens to you or your account, would probably be better if they gave these jobs to actual American citizens and not people in another country who are just selling off your information at this point I think chime and the scammers are working hand in hand

Casmi EwingUnited States · 9 reviews · Experienced 2026-08-03 ·

Some of their policies suck

I recently had to replace my platinum card, which previously paid $50 for. The replacement was the plastic signature Visa. When I called questioning why I didn't receive my metal card I was told I'd have to pay again. Thats a ripoff. I shouldn't have to pay twice. Its the same account. Some of their policies suck.

Dianne WalkerUnited States · 1 review · Experienced 2026-07-29 ·

Great

I love getting my money early and the perks that are embedded within the app.

Reply from Chime2026-08-04

Hi Dianne, we appreciate the review! We’re so glad this feature has been helpful when planning around payday. - The Chime Team

P
PamUnited States · 2 reviews · Experienced 2026-08-03 ·

Chime is great

Chime is great. Yes they have a few problems with employees doing there job but overall it’s great

Reply from Chime2026-08-03

Hi Pam, Thanks for sharing this. We’re glad your overall experience has been positive and appreciate the feedback about customer support. - The Chime Team

Kevin TillettUnited States · 3 reviews · Experienced 2026-07-20 ·

I wish I could give a zero but I have…

I wish I could give a zero but I have to give one star they’re dishonest and tell you what you want to hear and it’s not true I quit my business with them

D
Desiree HarveyUnited States · 1 review · Experienced 2026-08-02 ·

Have been with chime for years although…

Have been with chime for years although I have had the needed deposits i haven't ever had my spot me raise.. so I guess it's different for everyone.

Reply from Chime2026-08-02

Hi Desiree, We appreciate you being with us and we understand how important a raise on SpotMe limit is. Limits generally start at $20. Chime may increase limits up to $200 based on account history, direct deposit history, spending activity and other risk-based factors. If you have more questions about this, please reach out to us in the app or at 1-844-244-6363. -The Chime Team

Kimberly WardUnited States · 2 reviews · Experienced 2026-07-31 ·

I used to love chime but they took away…

I used to love chime but they took away the My Pay feature that I used every week to pay my bills ($880). The reason they took it away? I got a bonus at work that was $100 in addition to my normal weekly pay. Their algorithm used the FIRST deposit (which was my little bonus) TO DETERMINE MY MONTHLY INCONE EVEN THOUGH MY PAY HAD NOT CHANGED. I AM SALARIED. I counted on that money to help pay my weekly bills. Now I am $880 short. I called Customerservice which took 2 1/2 hours to actually get through to a human and they were unable to override the algorithm. All they could tell me is that I had to wait until my next deposit came in and then it will slowly start building back up to what it was.

Reply from Chime2026-08-01

Hi Kimberly, Thanks for taking the time to share feedback with us. We always strive to provide a great experience, and we‘re sorry to hear that your most recent experience didn’t live up to this standard. To clarify the requirements for this feature and help you regain access to MyPay, you'll need to receive two Qualifying Direct Deposits of $200 or more in the preceding 36-day period. Once you meet the requirements, your account will be automatically reviewed for eligibility. If you’re open to it, we’d love the opportunity to try again - if you get in contact with us at 1 (844) 244-6363 or in the app, our Member Services team is standing by 24/7 and would be happy to address any concern you have. - The Chime Team

M
MajalUnited States · 1 review · Experienced 2026-08-01 ·

As i newbie for CC

As i newbie for CC, Aside from Capitol one, Chime at the same time gave me the opportunity to saved and learn how to navigate my salary from one to 10’s. Thank you for being an easy access for all the problems, that i have encountered! More power to US! 🥰🥂

Reply from Chime2026-08-01

Hi there, Thanks for the review. We’re glad Chime has helped make managing money feel simpler and more convenient. - The Chime Team

Tracy JonesUnited States · 1 review · Experienced 2026-05-05 ·

I have a wonderful 6 years with chime…

I have a wonderful 6 years with chime even though I just found out all the things I can do on my app. My own bank always close and open. Looking forward to another great,,6years

Reply from Chime2026-08-01

Hi Tracy, We really appreciate your continued trust in Chime. Thanks for being a longtime member. - The Chime Team

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