Customer service.
Reply from Chime2026-07-30
Hi Stephen, We appreciate the review and are happy to hear you had a positive support experience. - 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
My Opinion is Chime is Good to Have
My Opinion is Chime is Good to Have. It's Been Great. I Love Chime.
Reply from Chime2026-07-30
Hi Lisa, Thanks for taking the time to share this. We’re so glad to hear Chime has been working well for you. - The Chime Team
Chimes employees are always so very…
Chimes employees are always so very kind to me. They always help me as fast as they can and my checks always come in early I love Chime and will never change.
Reply from Chime2026-07-30
Hi Steven, We appreciate the review and are happy to hear you had a positive support experience. - The Chime Team
It's a very good company to deal with…
It's a very good company to deal with point blank ☺️ I'm very satisfied with the service ❤️
Reply from Chime2026-07-30
Hi Francia, We’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this. - The Chime Team
Free of the fraud !
It was nice not to have to call and verify activity and on the card. My other bank as of late continues to send me fraud alerts asking for a verification code they sent to me . If i dont verify the code they locie out. So, it was nice just using my card and putting away and not having to wait on them. Thank you Chime for not harassing me with that trivial mess.
Reply from Chime2026-07-30
Hi Stephanie, Thanks for being part of Chime. We’re glad our features have added value to your experience. - The Chime Team
So far so good
So far so good I have no complaints. I read so many negative reviews about chime i was skeptical of opening up an account. I opened up the account and got my pay deposit and it was really fast. They also have a lot of perks...i love it. I recommend chime to anyone who wants their direct deposit early and you get a $200 bonus.
Reply from Chime2026-07-30
Hi Stacy, We appreciate the review and are glad this feature has been useful when planning around payday. - The Chime Team
Chime is a great banking company I like…
Chime is a great banking company I like how they are patient and have helped me along the way 😀
Reply from Chime2026-07-29
Hi Coreal, we appreciate the review and are happy to hear you had a positive support experience. - The Chime Team
I love chime been with this company for…
I love chime been with this company for a long time ! Haven't had a issue and they have always came through for me ! Thanks Chime.
Reply from Chime2026-07-29
Hi Terrie, Thank you for your continued trust in Chime. We’re glad to hear that Chime has been working well for you. - The Chime Team
I just love my chime team they take…
I just love my chime team they take care of my money like if it was there own wat else can a person want
Reply from Chime2026-07-29
Hi Elena, Thanks for being part of Chime. We’re glad we could help make managing money a little easier. -The Chime Team
Ease of contact when I have a question.
Ease of contact when I have a question. Polite, knowledgeable employees. Sincere and genuine interest for a complete resolution to any issue.
Reply from Chime2026-07-29
Hi Jeff, Thanks for the kind words. We’re happy to hear you had a good experience with Chime support. - The Chime Team
My direct deposit didn’t come when it’s…
My direct deposit didn’t come when it’s supposed too
Reply from Chime2026-07-29
Hi Bianca, Thanks for the review. We know that the timing of your direct deposit is important. While payments can arrive up to two days early, the exact arrival time depends on when your employer sends the payment. If your deposit doesn’t arrive early, it should arrive on or before your actual pay date. As soon as your direct deposit arrives, we’ll send you an email and a push notification, if it is enabled in your profile, to let you know. For further help, 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 review. - The Chime Team
Chime did me wrong to cover themselves
I sent money to the wrong person and when I tred to request it back, the person would not do it. And when I sent the money, there was nothing from Chime asking me, am I sure I want to send this money to them likeit usually ask . It just went straight through wheb I sent it and after that, there was nothing saying pending, so I couldn't pull the money back. It was already gone. And when I told chime about this and said, I wanted to do a dispute Chime saw nothing wrong with it and did not give my money back. The reason I think they did this is because if Chime gave me my money back then, they would lose money, because the person would not give them the money back and they could not get the money back from them. So Chime cheated me to cover themselves. I've heard a lot about them doing this to people. But this time, I actually felt it myself, and I am willing to take them to court over this, but I want to let everyone know that Chime will take your money or get over on you. UPDATE: Chime wrote up here asking me to call them saying they would fix it ,( to make themselves look good up here) but when I called they said there's nothing they can do again,and it was my fault when clearly it was their fault , because they didn't follow protocol, once again they wanted to make themselves look good up here and could have cared less about me.The customer....
Reply from Chime2026-07-29
Hi Felix, We appreciate you bringing this into our attention. Having funds transferred to the wrong recipient can cause significant stress, and we understand your frustration. We've recognized that you already called in to get help, but we would appreciate another opportunity to assist you. If you're open to it, please reconnect with our Member Services team through the app or at 1 (844) 244-6363 so they will be able to help you and provide necessary assistance. - The Chime Team
I need an explanation for a negative…
I need an explanation for a negative balance on my account that I can not see. Once your funds are depleted there should not be a negative balance.
Reply from Chime2026-07-29
Hi Sherri, We appreciate your feedback regarding the clarity of your balance status, particularly when visibility is limited. Please be assured that we're committed to providing transparent account information. Our team is here to investigate this issue to ensure all your questions are fully answered. Please contact our Member Services team via the app or at 1 (844) 244-6363 so we can assist you right away. - The Chime Team
The worst company EVER!!
This is the worse financial institution ever! I will definitely be changing to a standard type bank! I filed a dispute against a terrible company called Autoguard! They are even worse than chime bank. So I froze all of my debit cards. Because that terrible company kept trying to pull money illegally from my account. Now chime knew that I have a dispute against auto guard so why did they despite having all debit cards frozen did they allow them to remove $149.00 from my debit card? And now I filed another dispute with the same company to get my money returned to me. Don’t open any accounts with them!! They pretend to have the customers best interest but they Do Not!!! If I don’t get my money back I’m going to contact my attorney and also file with the BBB against them to recoup my money! Again there are sneaky and deceitful. I’ve already encouraged my friends, family and colleagues and anyone who will listen to leave this bank immediately or be scammed by them!! Also they will deny ur dispute and side with the other company that you have a dispute against when it’s obvious the one ur disputing with stole your money and they will side with the person you’re disputing against! Definitely no longer trust them and will be leaving them ASAP. They also have terrible customer service and the AI agent they have “jade” is an idiot too! Please don’t make the mistake and bank with them! The agent I spoke to informed me that chime isn’t a bank! Now I know I’m leaving and you all should too!!! Just awful to allow money out of a frozen disputed account!!
Unauthorized logins and unknown transactions — phone support useless
I’ve had repeated unauthorized logins on my Chime account for months. Every time I change my password, remove devices, or follow the steps support tells me to do, the problem continues. I keep seeing new devices and new locations logging in that I did NOT authorize. There are also names attached to transactions that I do not recognize and never approved. I’ve told phone support about this multiple times, but they only repeat the same script and nothing gets fixed. I’m posting this here because phone support has not resolved anything. Please have someone actually look into these unauthorized logins and the names tied to these transactions. I need real help, not the same steps over and over. UPDATE After another round of dancing with Customer service and support and being reassured that that this was going to be it .. my account would be safe..Not hardly..You guys also need to work on hiring people that understandable UPDATE #2 after 6 more unauthorized logins.. they continue to do the same thing... and im telling them things they should know like closing all active sessions and issue a new login token to me.. as they are bypassing pw and 2fa ..so since this has gotten this far .. i am escalating this to formal complaints with the FDIC.. the CFPB and my States AG
Reply from Chime2026-07-29
Hi Lance, We understand your frustration regarding the unauthorized logins, and transactions. We take these reports very seriously, and want to help. We recognize that you've already called for help with this, and we’d like the opportunity to make it right. Please reconnect with our Member Services team at 1-844-244-6363 so we can assist you right away. - The Chime Team
NanUnited States · 5 reviews · Experienced 2026-07-29 ·
New to chime
I opened chime acct anf.md funded it. I trytosend money and accidently sent to wrog pesoofvsae name. Chime suggested I send wtrongbperson a request to return money. I di. And they di. Thank God I am old and on fixed income and get confused sometimes. it all is good now
Reply from Chime2026-07-29
Hi Nan, We appreciate the review and are happy to hear you’ve had a positive experience with Chime. - The Chime Team
Good
Nice to have it ....very good acc
Reply from Chime2026-07-28
Hi Otoniel, we appreciate the review and are happy to hear you’ve had a positive experience with Chime! - The Chime Team
I love Chime
Reply from Chime2026-07-28
Hi Sonia, we appreciate the review and are happy to hear you’ve had a positive experience with Chime. - The Chime Team
Could not get logged into account after…
Could not get logged into account after trying for over an hour
Reply from Chime2026-07-28
Hi Natalie, We know how valuable your time is, and having trouble accessing your account for that long is incredibly stressful. Please clear the cache on your device's web browser, and then try logging in again. If that does not work, please reach out to our Member Services team at 1-844-244-6363 so we can assist you. - The Chime Team
When in a bind that spot me & pay…
When i was in a bind that spot me & pay advance surly helped me and my family out …..The Little Things Matter
Reply from Chime2026-07-28
Hi Melisa, Thanks for the review! We’re happy SpotMe and MyPay have been helpful for your financial needs. -The Chime Team
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