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-$200. Chime® Checking Account required. ⁵ Out-of-network ATM withdrawal and over the counter advance fees may apply. ⁶ The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
Written by the business, not verified by us.
Is Chime legit?
Chime (www.chime.com) has a 3.4 out of 5 rating on OK.one, based on 176 user reviews collected here. It is listed under Money & Insurance and its reputation is mixed. Opinions are polarized: 58% rate it 4 stars or higher while 33% give 1 star; The business has replied to 79% of negative reviews; Reviews mostly discuss Customer service, App, User experience. Last updated 2026-08-11.
What reviewers say
AI generated
Most reviewers were somewhat happy with their experience overall. Consumers frequently mention that the mobile application is very user-friendly and easy to navigate for everyday financial needs. People really appreciate beneficial features such as receiving direct deposits early, getting paycheck advances, and utilizing overdraft protection.
However, some customers also noted that customer service representatives were unhelpful and difficult to understand when trying to resolve issues. Others mentioned negative experiences regarding denied fraud disputes, unexpected sudden account closures, and sudden fees. A few users expressed frustration over extremely long phone hold times and inadequate support when unauthorized transactions occurred.
Auto-generated from all reviews of this business. For reference only.
Costs too much to transfer I lost around 100$ within 1 hour of use. Fees are outrageous
Reply from Chime2026-07-26
Hi Kolin,
We know how inconvenient having fees are, that's why Chime has no monthly fees, overdraft fees, or minimum balance requirements—but some fees apply, like $2.50 at out-of-network ATMs and 1.75% for Instant Transfers out. We don’t believe in hidden fees or profiting from our members’ misfortune. That’s why we share exactly what fees may apply and make sure you always know what to expect.
We appreciate the review and if you need more help, our Member Services team is ready to look into this for you. Feel free to contact them in the app or at 1-844-244-6363.
-The Chime Team
Chime has been outstanding with me rebuilding my credit and assisting me in paying my billd
Reply from Chime2026-07-26
Hey Mari,
We appreciate you sharing this. We’re glad Credit Builder has been a valuable tool for you.
- The Chime Team
A
Amie GordonUnited States · 2 reviews · Experienced 2026-07-26 ·
★★★★★
I don't recommend Chime
I don't recommend Chime. Disputes are never found in your favor and you end up losing your money. You also cannot block a merchant like you can with Cashapp to prevent unauthorized debits further. Sure you can ask...then you're put on hold while they pretend to check on it just to be told whatever merchant "doesn't qualify " for a stop pay. The MyPay is terrible too. They take it all back at once, which I understand, but give measly amounts back over a week.
Reply from Chime2026-07-26
Hi Amie,
We understand how frustrating this can be, and we realize that your most recent experience didn’t live up to our standards.
If you’re open to it, we’d love the opportunity to look into your claim. If you have new information that was not included in your original dispute, you might be able to file for a reinvestigation. We recommend getting in touch with us at 1 (844) 244-6363 or via the app. Our Member Services team can help guide you through the next steps.
Regarding MyPay, the "Available now" amount is the maximum you can take as an advance on any given day. To determine this amount, Chime looks at your primary income source, which is the qualifying direct deposit that brings the highest estimated deposit into your account.
Any advances you've taken are deducted from your "Available now" amount. When your next qualifying direct deposit arrives, your "Available now" balance will reset and your credit limit will be recalculated.
- The Chime Team
Terrible, horrible customer service. They basically scammed me into opening up a new account baiting me with the $350.00 bonus. When it came time to pay after I completed all the qualifications they said I was not eligible and could not give a valid reason. 1 hour spent on the phone arguing with an overseas rep that could barely speak english and could not provide a valid reason. Just horrible. Taking my money out and going with another bank. Plus, no real paper checks, their version of Zelle has extreme limits, and you cant transfer money to another person through bank account unless they are you. Their website is very, very bare and you cannot even chat with anyone online. Just horrible all around. Run far away.
MONEY LATE EVERY MONTH!! CHIME IS NOT ALL ITS CRACKED UP TO BE! IT TAKES LONGER THAN 30 DAYS TO RECEIVE MY SSI WITH CHIME THAN IT DOES WITH THE SOCIAL SECURITY DIRECT XPRESS CARD & IM GUARANTEED TO HAVE MY MONEY IN 30 DAYS OR LESS! IT WAS ALWAYS ON TIME LIKE CLOCK WORK!! IM CONSIDERING MY NEXT MOVE
Reply from Chime2026-07-25
Hi there,
We completely understand how stressful it is to have your SSI funds delayed, especially after always receiving them seamlessly in the past. You deserve financial peace of mind, and we want to help you track this down.
Chime releases your money the exact second we receive the payment file from the Social Security Administration. Because agency release schedules or banking holidays can vary from month to month, we haven't received your specific file just yet. You will get an automatic notification the moment your SSI deposit hits your account.
We want to make sure everything is on track for you. Please call our Member Services team directly at 1 (844) 244-6363 so we can review your account timeline together.
- The Chime Team
Chime really has helped by having mypay, spot me, boost, loans etc. Many times I needed gas and food and nobody would help me, lost everything I owed of 16yrs to a house fire and the outside world(people) came through for my family. Chime benefits saved me many times of not having and I'm forever grateful. Not many banks do what Chime does. Hopefully one day I'm blessed with the 1k they give out because I'm very truthful about everything I've said here. Thanks Chime for all you've done when no one else would.
Reply from Chime2026-07-25
Hi there,
Thanks for the kind review. We’re happy to hear features like MyPay, SpotMe, and Loans have been useful for you.
- The Chime Team
Everything. It has everything. A checking account, credit builder which you can use the card like a credit card. Also a savings account which automatically rounds up purchases. Never had any problems with them. Would recommend to anyone!!
Reply from Chime2026-07-25
Hi Tina,
We appreciate the review and are happy to hear you’ve had a positive experience with Chime.
- The Chime Team
Customer service is amazing. The application process was easy and I get my payment early, which helps keep my bills paid on time.
Reply from Chime2026-07-25
Hi Deborah,
Thanks for sharing this. We’re happy to hear you had a good experience with Chime support and so glad it's been helpful for your financial routine.
- The Chime Team
I give 4 Star because after being with chime for so long my overdraft nerver change.
That part is sad and discouraging.
Since day one with chime and it may be close to 2 years. My spot cover is 45 dollars. But my direct deposit always being $200 every week.
Meaning your spot cover always being save.
Besides that it's good bank system that like me help many people with the spot cover up until pay day.
For that thank you very much.
Francisca
Reply from Chime2026-07-25
Hi Francisca,
Thanks for the review! We’re happy SpotMe has been helpful for your financial needs. Just to set expectations, Chime may increase limits up to $200 based on your account and direct deposit history, spending activity, and other risk-based factors. We value your feedback as we keep improving.
We appreciate you being part of Chime and taking the time to share your experience.
- The Chime Team
Love this bank get my check super fast love the spot me awesome but the customer service is like talking to the cops when you make a mistake on a purchase.
Over the years chime has helped me achieve a lot of my financial goals. They offer so many great things. It's almost like you're family to them. I have recommended them to several people.
Reply from Chime2026-07-25
Hi Louis,
Thanks for being part of Chime family. We’re glad to hear that Chime helped you work toward your goals, and we truly appreciate you for taking the time to share your experience.
- The Chime Team
I have been with chime for awhile and I love them over the other card I had to get my payment on. They have the my pay that give you part of your pay before your payment comes and that's a plus for me because there's things that comes up and need to be taken care of.
Reply from Chime2026-07-25
Hi Janet,
We appreciate the review and are happy to hear you’ve had a positive experience with Chime. We're glad that MyPay has been helpful for your financial planning around payday.
-The Chime Team
Apparently if you qualify for the Prime account, they close the basic card and activate the black metal card with no information beforehand. So, when you use the basic card at checkout, you’re told your account has been closed causing humiliation in front of the other people in line.
chime is a bunch of thieves and crooks first of all to get through to them takes forever on their one 844 number I filed for chapter 13. They closed my account without any warning and I cannot get access to the funds which I needed to pay a bill with I would not use them ever again very untrustworthy. I don’t know when I’ll ever see my money which was $1000 do not trust these people I’ve looked at other reviews on YouTube and they’ve done this plenty of times. They are thieves and crooks and I hope the most worst thing ever happens to them.
Reply from Chime2026-07-25
Hi Lenny,
We know how frustrating this can be. We always strive to provide a great experience, and we understand that your most recent experience didn’t live up to this standard.
If you are open to it, we would appreciate the opportunity to look into this further. Please reach out to us at 1 (844) 244-6363. Our Member Services team is available 24/7 and is ready to address your concerns.
- The Chime Team
They have no branches and are unable to do anything or give you answers if their system decides that a transaction can't be processed. When you finally reach a human on costumer service, they aren't native English speakers which leads me to think they outsource customer service.
I have never had any issues with Chime. I've had my account for years. Get your direct deposit a few days early. Love that after awhile there is a type of overdraft protection if you need it. No overdraft fees. Ability to have a virtual card as well as physical card. Convenience to freeze your card as needed, customer service has always been helpful. Replacement debit card comes very quickly much sooner than 10 business days.
Reply from Chime2026-07-25
Hi Kelly, thanks for sticking with us! We're really glad to hear Chime is working out so well for you.
- The Chime Team
As a customer of Chime since 2018, with over 6K of direct deposits going in from payroll and Social Security monthly, I am absolutely fed up with your My Pay system. In the past, I would repay the $500 and immediately be able to borrow $500. Now, it is offered in increments of $75 per day and each time that any amount is borrowed, there is a fee attached. So, obviously, you are making more money from me with each increment borrowed daily. The customer service supervisor I spoke to told me that I'm only being offered in increments is because I borrow from My Pay too often! First of all, that's a bunch of nonsense because I enjoyed borrowing the lump sum of $500 for many many months without any issue. But now, I'm offered $75 per day with the fee attached as I just mentioned. I tip nearly every time I get a direct deposit as well because I am trying to "pass it on" to other customers. But wow, nice way to treat an 8-year customer! Being told I borrow too often, which is just an excuse and an insult, when you know that the daily fees that I'm being charged is actually the reason why. Shame on you. $Sandra-Bartlett-1
Reply from Chime2026-07-24
Hi Sandra,
We truly value having you as a member and understand how frustrating this situation must be, particularly after you've already reached out. We want to sort out any issue related to MyPay. You can use MyPay advances to get money within 24 hours for free, or instantly for a 3% fee (minimum $2 and maximum $5). Instant advances are completely optional. To keep your information safe, we do not access private account details over social media. Please give our team another call at 1 (844) 244-6363 so we can look into this deeply and get it sorted out securely.
- The Chime Team
This has been a learning experience for me in that a) I was new to strictly online banking--also with a financial services provider; b) I was not retired when I first became a client so my needs were different. I took a chance due to its backing by a solid bank and am glad I did! Regretfully, I left them for a period of time but returned after retiring. (Aside from the array of beneficial basic services provided, their flexibility enables personal merit based perks, including for long term clients.) Since I signed up with Chime I have noticed new features and upgraded accounts with improvements affecting savings rates, deposit amounts, transfer types, quick &simple loans, cash-back deals and incentives, plus the expansion of free ATM /service store locations and partner offers. Regarding their customer service, there have been a few times when I needed their assistance and in each instance I was able to receive help right away, if not immediately. One time, I was in the middle of the checkout process and due to the time factor decided to use a backup method through Chime instead of the original attempted payment method (I was on the phone with them while checking out and I ended the call...they followed up with me right away.) It went smoothly; I am at the mercy of cellular service; it is ongoing.
Reply from Chime2026-07-24
Hi Gloria,
We’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this.
- The Chime Team
They closed my account and won’t give me my money for 30 days. It’s my social security money and they left me with no money. Terrible company. They don’t help you with fraudulent transactions because they are a fraudulent e. AVOID!!!!!!!!
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