This company jas saved me from banking…
This company jas saved me from banking nightmares
Reply from Chime2026-08-01
Hi Kimberly, We appreciate the review and are happy to hear you’ve had a positive experience with Chime. - The Chime Team
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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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 generatedMost 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
I haven't been disappointed once!
You can actually talk to someone if there is an issue. The perks are great, app is user friendly, easy to set up direct deposit and puts savings aside for you. You won't be disappointed!
Reply from Chime2026-08-01
Hi Alaina, Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs. - The Chime Team
I would give them a-1 if I could
I would give them a-1 if I could. I did the friend referral and got a friend to sign up and they didn’t honor their side. Further you can’t understand a word they say because they hire third world help in remote countries that have difficulty with English and therefore suck
Reply from Chime2026-08-01
Hi William, We understand it is frustrating to miss out on an expected bonus, and we want to help ensure your referral is properly reviewed. Referral bonuses rely on specific steps, such as your friend using your unique sign-up link, activating their physical card within 14 days, and receiving a qualifying direct deposit within 45 days of opening their account. We also take your feedback about your support experience seriously and always look for ways to improve our service. We want to turn around this experience, so please connect with us at 1 (844) 244-6363 or directly through the Chime app. Our Member Services team is available 24/7 and ready to look into your account. – The Chime Team
If I could give this bank a 0 I would
If I could give this bank a 0 I would. Someone stole my virtual card online and started making purchases 1 went through and the other 2 I got a scam message and I canceled my card right away and replaced. I called chime right away saying that was not me they had me wait until it was not pending. I waited I called again I made a claim and it was DENIED! I fought the claim and showed them evidence of someone who kept trying to log onto my account and I would get the pin messages for verification and I showed evidence of how not even a minute later I got the scam messages and they still denied my claim. So stupid and I’m pissed it was over $100 and they don’t want to help me.
Reply from Chime2026-08-01
Hi Jennii, Thanks for taking the time to share feedback with us. We know how exasperating it is to receive a denied dispute, especially if you have proof that the transaction was unauthorized. We would love the opportunity to turn your experience around. Since we can't peek into your dispute details here on social media, it is best to message us right in the app or call our support team directly at 1 (844) 244-6363 so they can review your claim immediately. Our team can also help you file for a reinvestigation if you have new information that was not included in your original dispute, such as police report, timesheets, purchase receipts, travel/GPS screenshots or proof of location. We hope we can continue to earn your business and appreciate the opportunity to address your feedback. - The Chime Team
Excellent!!
Reply from Chime2026-07-31
Hi Nancy, we appreciate the review and are happy to hear you’ve had a positive experience with Chime! - The Chime Team
I not just telling you chime have helped me thru some very hard times by being a member with them, give chime the chance,see for yourself, you want regret it regret it
I am giving chime this score because they have helped me thru some very hard times
Reply from Chime2026-07-31
Hi Virgil, Thanks for being part of Chime. We’re glad we could help make managing money a little easier. -The Chime Team
They are amazing kinda thought it was a…
They are amazing kinda thought it was a scam but it legitimately good
Reply from Chime2026-07-31
Hi there, we appreciate the review and are happy to hear Chime has earned your trust. - The Chime Team
Bancorp does the Most!
Reply from Chime2026-07-31
Hi Charlotte, Thanks for the review. We’re glad you’re having a positive experience with Chime. - The Chime Team
Great Experience with Important Outcome
I appreciate Chimes ability to use features that work and are consistent. Very accessible, vibrant and quirky in regards to usage. I appreciate and enjoy the service, I've been participating for years. Thank you.
Reply from Chime2026-07-31
Hi there, Thanks for being a longtime member. We’re glad that Chime has been working well for you and our features have added value to your experience. - The Chime Team
Donna BondUnited States · 1 review · Experienced 2026-07-31 ·
I have been a Chime user for 4 years…
I have been a Chime user for 4 years now and wouldn't of known what to do at certain points if I chose another that didn't have the benefits they offer such as Spotme or the ability to get some of my paycheck sooner and they are continuously improving wih the Cash Back option now, which is awesome! The customer support is great, and I never had to wait long for an issue to be resolved. I appreciate Chime for being there for me over the past 4 years and I owe my financial success and stability since I joined to them.
Reply from Chime2026-07-31
Hi Donna, We really appreciate your continued trust in Chime. We’re happy our tools and features have supported your financial needs. - The Chime Team
Chris BaldwinUnited States · 3 reviews · Experienced 2026-07-31 ·
AWFUL DISPUTE SERVICE
Terrible dispute service. I had a simple Chipotle order that didn't go through on the app, but I was charged. I verified with the store they showed no order and in the app as well. I then just ordered inside the store and got my food. I waited a few days to see if the charge would drop off, but then it posted. I then called Chipotle customer service and they verified on their end the online order did not go through and for me to contact chime and get them to refund. I called and spoke with someone who took my detailed info. I just now received a denied dispute, HOW!? Did they actually even look into it? I've been a chime customer over 7 years and this is how I'm treated? It was only about 16 dollars, but it's the principle. I am now scared for future issues if they ARISE for something more major . I STRONGLY DO NOT RECOMMEND as they may not help you with erroneous charges.
Reply from Chime2026-07-31
Hi Chris, We completely understand how frustrating a denied dispute outcome can be. If you disagree with the decision made in our investigation, please reach out to us at 1 (844) 244-6363 so we can review this with you again. Also, we would suggest preparing 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/how-do-i-dispute-a-charge-on-my-card-5f509ad2 - The Chime Team
lesly jimenezUnited States · 1 review · Experienced 2025-10-10 ·
I love the service they have I've been…
I love the service they have I've been with them for a little bit over a year. I didn't like that one friend that I referred I didn't get the bonus for that friend so that made me not wanting to keep referring my friends
Reply from Chime2026-07-31
Hi Lesly, We value your long-term membership and understand your dissatisfaction. In order to receive a bonus your friend must sign-up using your referral link and receive a qualifying deposit of $200 or more within 45 days. In addition, your friend needs to activate their Chime card within 14 calendar days of receiving the deposit. For further assistance call us at 1(844) 244-6363. -The Chime Team
Anthony TreantafellowUnited States · 1 review · Experienced 2025-07-31 ·
I've been using Chime for years now
I've been using Chime for years now. Never had any issues as long as you financially know what you're doing and how to use the app. As a matter of fact... over the years Chime has made a few helping additions to their services such as "My Pay" which basically gives you a loan that you can gradually take out day by day after each direct deposit you receive letting you pay it back automatically after your next deposit. I highly recommend Chime as your online banking app!
Reply from Chime2026-07-31
Hi Anthony, Thank you for choosing Chime. We are glad our features deliver value and continue to support your banking needs. - The Chime Team
The financial institution that goes above and beyond
If you hate fees, run a little short and need spotted a lil extra till payday every once in a while. Then check out Chime. They will treat you just as good or better than any brick and morter bank out there. Check out Chime for yourself!
Reply from Chime2026-07-31
Hi Jason, we’re glad SpotMe has helped make things a little easier when timing gets tight. -The Chime Team
I had chime for years no problems and…
I had chime for years no problems and they are always there to help.I would recommend chime to anyone
Reply from Chime2026-07-30
Hi Haylie, we really appreciate your continued trust in Chime. Thanks for being a longtime member. - The Chime Team
Lie Cheats and Steals!
Edit: since you used the same canned response, I told you to not refer me to your customer service line. If you want to solve this, then contact me or provide me with another contact method. Your phone support bounces me from person to person and there is no chance me calling again is going to resolve this. I have filed multiple consumer rights and consumer financial rights complaints and will keep filing complaints until you do something to fix this. Chime is refusing to honor my rightfully earned referral bonus. DO NOT TELL ME TO CALL YOUR CUSTOMER SERVICE NUMBER BECAUSE THAT'S WHAT I WAS DID AND I WAS HUNG UP ON! On April 7th, I signed up for Chime under a referral bonus offer. The following day, April 8th, I completed my first qualifying direct deposit of $223, and my Chime debit card was mailed out. I was informed that I needed to activate the card within 14 days to receive the bonus. By the 14th day, my card had still not arrived in the mail. I immediately called Chime customer service to explain the situation, and the representative assured me that because of the shipping delay, I would still qualify for the referral bonus. My card finally arrived on April 28th, and I activated it that exact day. After activating the card, I called again to check on the status of my bonus. I was told to wait longer. I continued calling and was continually told to wait. I called again today on July 28th to figure out where my bonus is. The representative named Edward, kept moving the goal post as to why I didn't get the bonus, and I had to correct him that I did meet the direct deposit requirements. He told me that if I wanted the bonus, I "should have called sooner." When I explained that I had called multiple times previously, he flatly stated that Chime would not be honoring my referral bonus. When I requested to speak with a supervisor and notified him I was recording the call, Edward hung up on me. DO NOT TELL ME TO CALL YOUR CUSTOMER SERVICE NUMBER BECAUSE THAT'S WHAT I WAS DID AND I WAS HUNG UP ON! I have audio recordings of these phone calls. Since opening this account, I have deposited over $3,000 into Chime under the assumption that this was a trustworthy institution that keeps its word. Given this terrible customer service and failure to honor your promotion, I will be withdrawing my money immediately and closing my account. I will not be using Chime again. I want the $100 bonus that is rightfully owed to myself and my referrer and I will continue filing every sort of consumer complaint possible until this is honored. DO NOT TELL ME TO CALL YOUR CUSTOMER SERVICE NUMBER BECAUSE THAT'S WHAT I WAS DID AND I WAS HUNG UP ON!
Reply from Chime2026-07-30
Hi Alexis, We hear your frustration, and this is not the experience we want you to have. It makes sense that you are looking for answers regarding this referral bonus. Because we value your privacy and security, we can’t discuss specific account details on this platform. We want to ensure your situation gets the right attention, so we encourage you to reach out to our Member Services team again at 1-844-244-6363. Our team wants another opportunity to look into your referral bonus details and address your experience with our phone support. - The Chime Team
I was scammed and the scammer used…
I was scammed and the scammer used Chime. I lost $400 from this encounter. This happened 7/28/26. Today, 7/29/26 I spent over an hour going from one agent to the next in their fraud dept. They were all so polite. I retold the story of what happened EACH time. The last person I spoke to basically said there was nothing that could be done. My money was put on a Chime card for someone named Norma Castro. I explained this too for them to please look into this transaction that went to her, a complete stranger to me. Again I had explained what happened to at least eight people which was documented. No mention to me that anything would be looked into or any attempt to stop the these scammers. I got a video call from someone name Frankly Baker so please be on alert. I don't want this to happen to anyone else. I receive $1083 social security and now have $400 taken from that pittance which I have to live on all month. Chime you need to be accountable and at least TRY to resolve ppl scamming via your platform.
Reply from Chime2026-07-30
Hi Donna, We hear how overwhelming this experience has been for you, especially after spending so much time explaining the situation to multiple agents. Because we prioritize your security, we do not discuss specific account or transaction details on this channel. We want to make sure your situation gets the proper attention, so please connect with our Member Services team again at 1-844-244-6363 so they can assist you with this. - The Chime Team
I had an extremely disappointing…
I had an extremely disappointing experience with a Chime customer service representative named Alexander. Not only was he completely unhelpful, but he was also rude, dismissive, and unprofessional throughout the call. Rather than listening to my concerns or making any effort to assist me, he spoke to me disrespectfully and ultimately hung up on me. No customer should be treated this way. I understand that not every issue can be resolved immediately, but there is never an excuse for being rude or disconnecting a call. I expect much better customer service from Capital One. I hope this interaction is reviewed and addressed so no other customer has to experience the same treatment.
Reply from Chime2026-07-30
Hi Barno, We completely understand your frustration with how this call was handled. Please know that we prioritize excellent care during every interaction. If you are open to it, we want to improve your experience. Please connect with us through the app, or call us again at 1 (844) 244-6363. Our Member Services team is available 24/7 and ready to help you with your inquiry. - The Chime Team
Showed funds were available could not…
Showed funds were available could not access hours later same
It is very difficult & time consuming…
It is very difficult & time consuming trying to get the money that belongs to me!
Reply from Chime2026-07-30
Hi Anisa, We understand the importance of getting your funds back, and this is not the experience we want you to have. Our team is available to investigate this further with you. You can get in touch with us through the app or by phone at 1-(844)-244-6363 so we can assist you. We hope we can continue to earn your business and appreciate the opportunity to address your feedback. - The Chime Team
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