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.
Worst freaking app ever . I’m speaking to a lawyer now .. they play with people’s money way too much … someone had stole my cards and phone and spent and sent majority of my money and of course shitty ass chime denied every dispute within a day without even looking into it or actually investigating.. worst fu(k!ng bank app ever .. I will be closing that shitty fu(k!ng account and opening up a lawsuit nd now a police report. Weak ass app I’m irritated I lost almost 1k dollars to a scammer. Useless b*****s refuse to do anything STEER CLEAR FROM CHIME
Reply from Chime2026-07-24
Hi there,
Dealing with lost funds from a stolen card and phone, especially with a denied dispute, can be incredibly frustrating, and we would like to turn this around for you. If you have new information that was not included in your previous disputes, it could be very helpful for a reinvestigation. Items such as police reports, hospitalization or prison records, timesheets, purchase receipts, and travel or GPS proof of location (like flight tickets and reservations) can help us file a new claim for you.
Once you have this information, you can definitely get in touch with our Member Services team again through the app or at 1 (844) 244-6363 so they can take a closer look internally and assist you thoroughly.
- The Chime Team
I started using time in 2023 I didn't want to brick and mortar Bank because I was tired of them taking the service fees and all that stuff. Someone introduced me to chime and sent me their link I signed up. about 3 weeks after I got my chime debit card I signed up for the credit builder card and I had a very low 400 something credit score and less than a year I was able to buy a new car because my credit score had jumped up. I have had people hack my debit card and my credit builder card and with that being said chime took care of every bit of it and put the money back on my account as soon as I called them. And then they turned around and resolved the issue I have never had a problem with chime and I don't ever foresee a problem with chime. If you don't have a bank that you trust I suggest Chime but hey it's your money lol
Reply from Chime2026-07-23
Hi Christine,
We’re happy to hear Credit Builder has supported your progress and that you had a good experience with Chime support. Thanks for the feedback
- The Chime Team
This bank does NOT protect your money. I had a fraudulent transaction for $200+. I called them right when I got the notification and THEY told me to shut down the card and file a dispute. They denied my dispute twice...if u dont mind losing money then go with CHIME. If u value what you work hard for than leave them alone.
Reply from Chime2026-07-23
Hi Deanna,
We hear you, and we understand how frustrating this denial must be. We would greatly appreciate the chance to review your case again. Please reach out to us right in the app or give our Member Services team a call at 1-844-244-6363.
Also, to help us reopen and re-examine your claim, sending over any official paperwork that shows you didn't make the charge is incredibly powerful. Here are some of the most helpful things you can gather to back up your appeal:
• A copy of a police report if you filed a formal notice about the fraud.
• Medical or official records that show you were physically somewhere else entirely.
• Timesheets from work confirming you were clocked in when the charge happened.
• Receipts or store screenshots proving you were making a purchase at a different location.
• Travel details like flight tickets, hotel bookings, or GPS timelines that show you were away.
- The Chime Team
Priceline and chime
On July 1, I booked and paid for a hotel through Priceline. When I arrived at the hotel, I was told they were fully booked and couldn't honor my reservation. The hotel told me they would refund my money, but after a week, neither the hotel nor Priceline had issued a refund.
Because I still hadn't received my money, I filed a dispute through Chime, which is the app I used to pay for the hotel. I provided proof that I paid for the reservation. I was told that all the dispute representative needed to do was contact the hotel to confirm that I had paid for the room and never received it, but my dispute was still denied.
I then paid for another hotel, but when I arrived, I was unable to rent a room there as well. They also told me that all Priceline had to do was contact the hotel to verify that I had paid but did not receive the service, and my money should be refunded.
As of today, July 22, my dispute for the first hotel has been denied, and I am still out $150.
Reply from Chime2026-07-23
Hi Casey,
We understand your frustration with our dispute decision, especially after doing everything right on your end. If you have new documentation—such as merchant communication regarding the status of the service and the reason why they failed to provide the service—we can initiate a reinvestigation for you.
Another quick option is to contact the merchant. Sharing your proof and explaining the situation can often lead to a faster refund or alternative solution straight from them.
Whenever you are ready, get in contact with us again 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 concerns you have.
- The Chime Team
For one thing I think this is the money laundry company I have money sent to my chime account that never hit my bank account it was just money going in my account out my account late money laundry think this company is a big scam and I would not represent no lie who will deal with this chime business
Reply from Chime2026-07-23
Hi Maurice,
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.
Our team would be happy to take a look into what’s going on. We recommend you to 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 feedback.
- The Chime Team
Do not bank here. No customer service, they steal your money and lie from the beginning. You don’t get paid two days early nor will there ever be $200 to barrow. Cash App works with you 10X better than Chime and that’s saying something.
Chime keeping my refund money and refusing to settle disputes
My money has been stolen twice off my chime account. Chime does nothing they don't contact you ask you what happened or nothing . They wait on the merchant to do a refund then they act like they never received it .They do they own investigating and never ask about anything . Thats because when the companies refund money chime keeps it and act like they never received anything all these companies is not lying .I have had claims denied where people literally stole my money and they done nothing .you can speak to a supervisor their customer support it terrible. No real investigations is beging done people keep robbing my account and they are doing nothing. I just had a Uber charge me 40$ twice for the same ride and they done nothing. Uber said they refunded the money and chime never put it in my account Then if they do issue a credit it's weeks later so if you got bills to pay or anything your screwed. They don't fight for they customers they take your money and when your money is stolen they don't care. I just had door dash scam me out my money I got nothing. Said they issued a refund and I never got it now Uber saying the same thing. Chime is getting people refunds and keeping them no money gets put back into your account and they blame the merchant. They will deny your claim and keep your refund money. Door dash did a refund chime never gave it back. Now uber saying they did a refund and chime not giving that back either. So anything happens and you need a refund don't expect to get it . They don't process none of your claims chime is a scam and I'm over it and done with chime.how people sending me back refunds and y'all keeping the money. Everybody not lying I got two different companies saying they sent refunds back and nothing hit my account CHIME IS A SCAM they steal your money like everyone else .
Reply from Chime2026-07-23
Hi Gary,
We understand how frustrating dealing with a dispute can be, and we want to help guide you through what happens next with your claim. We encourage you to get in touch with us again at 1 (844) 244-6363 or via the app if you’d like us to investigate this again.
To help with this, we’d also encourage you to prepare the following details ahead of calling if you have them:
1. Receipts or invoices.
2. Information about delivery and shipping.
3. Confirmation email(s).
4. Tracking number(s).
5. Recorded conversations between you and the merchant regarding the order.
6. The item description on the merchant's website, including the link.
7. Evidence that the price you paid differs from the listed price.
8. A request to cancel or stop the transaction in writing.
Here is additional information 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
I love my chime! It's easy the mypay comes in handy, the security measures are awesome. It's user friendly, anyone can maneuver through it. Even transferring funds is super easy. I love it here!!
Reply from Chime2026-07-23
Hi Krystal,
Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs.
- The Chime Team
I like that I get my money early. The security is great saved me from some bad purchases. Any time I had an issue it resolved quickly. I've been with chime than any other card company
Reply from Chime2026-07-22
Hi Marcelina,
Thanks for being part of Chime. We’re happy our tools and features have supported your financial needs.
- The Chime Team
Chime since day one hsd alwas been there for me and is mosthelpful with spot me and my pay programs when i need need to make it to next pay day and it seems they never go offline i use chime direct deposit to get my monthly benefits and they pay early and have never missed it
Reply from Chime2026-07-22
Hi Mike, thanks for being part of Chime. We’re happy our tools and features have supported your financial needs.
-The Chime Team
I set up an account with chime with direct deposit as requested, Chime told me that i would get my referal bonus after activation of my physical card which did not come in the mail. Chime send me email that that the cards were returnd, Now they are denying my referal bonus saying that i did not activate my card.How could i activate a card that i did not received? Chime is a liar and a fraud. please do not use chime😢
Reply from Chime2026-07-22
Hi Valia,
We understand your frustration regarding your referral bonus and want to ensure this is thoroughly reviewed. For your account security and privacy, we do not access or discuss specific member details on this platform. Please reach out to us directly in the app or at 1-844-244-6363 so our team can assist you further.
- The Chime Team
I dislike chime. I have lose so more money dealing with chime. Have can I do everything you asked me to do but still can’t get my money back. But if I want with another bank, they will give me my money back, regardless of dispute. When I didn’t swipe my card nor tap my card for that purchase. They never see it’s a problem I’m talking about never. Then on top of that. They always cancel your card out for no reason when yall haven’t fix the problem
Reply from Chime2026-07-22
Hi Latrice,
We completely understand your frustration regarding your dispute being denied, and we truly want to help. Please call us at 1-844-244-6363 so we can dive back in and assist you with a re-investigation. Before calling, please prepare any available documentation, such as:
1. Police reports
2. Hospitalization or prison records
3. Timesheets
4. Travel/GPS screenshots or proof of location (flight tickets, reservations, etc.)
Here is additional information 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
No help, just dumb and unhelpful bots while my money is missing
I got absolutely no help while my account was gutted by a scammer due to everything being automated, only chatbots and AI here and I still haven’t received any help so I guess I’m going to be looking for another bank.
Chime, this is VERY serious and you NEED to understand, when people trust you with their money, their LIVES, you DO NOT leave them to fend hopelessly for themselves while you do nothing. You need to hire more people and get better help, you need to do away with that ai chatbot slop garbage. You need to do better or else you are not deserving of anyone’s funds and I’ll ensure as many people as possible know it is literally dangerous to bank with you as I search for other options. Poor customer service? There is NO customer service!
Replying to Chime here: you don’t think I’ve already tried and failed and tried and failed at that number numerous times? By giving me the same non-working, AI Bot number you’re basically telling me to go kick bricks. Unbelievable, yall are so done having access to my money anymore
Reply from Chime2026-07-22
Hi Chasady,
We completely understand your frustration. Discovering that your account was cleared out by a scammer is very concerning, and feeling trapped in a loop of automated chatbots when you need human assistance can make an already stressful situation feel even more overwhelming. We take these reports very seriously and would like to help you resolve this as quickly as possible.
Our Member Services team specializes in these cases and is ready to assist. Please contact them at 1(844) 244-6363 to discuss the specifics of your account.
In the meantime, here are a few more tips to help you stay safe from fraud and scams: www.chime.com/blog/6-tips…
- The Chime Team
I have trusted Chime as my primary bank for many years now. Why? Because they pay me! Other banks TAKE my money. Fees for this, fees for that. Chime actually PAYS ME to keep my money secure. Not to mention, I have NEVER been hacked since I switched to Chime.
Reply from Chime2026-07-22
Hi Shayna,
Thanks for being a longtime member. We really appreciate the review and your continued trust in Chime.
- The Chime Team
I've been with chime for over 4 years, on 7/16 I was a victim of fraud. I submitted proof I was working on a video call, my job wrote a letter on my behalf, I submitted emails showing that my account was compromised showing attempted log ins, I reported the fraud as soon as I was aware, I showed them how someone closed my chime savings account as well as the credit builder account. Nothing matters after 3 disputes they continue to decline it. I submitted a complaint with identity theft gov and with CFPB and they still declined it. My entire check was taken from my account and chime couldn't care less. They had no compassion and did no investigation all disputes finalized within 24 hours and no real reason why they declined. Despite the fact that my account history shows I've never made transactions that size. They don't care that my money is gone. I got proof from the merchant stating that the money was transferred to another bank that was not mine and they still do not do anything. After 2 weeks of working as a single mother to support my family they seriously are telling me anything can happen in my account and they are not responsible for anything. They will not give credits, or return my money. This is a slap in the face for all the years I've been with them. I'm going to be getting a lawyer and seek help because I was robbed and my own bank would not help me. Don't bank with chime I will be looking for a more secure bank that will protect me from scammers.
Reply from Chime2026-07-22
Hi Joanelys,
Thanks for taking the time to share feedback with us. We recognize how incredibly frustrating it is to have a denied dispute, especially if you have proof that the transaction was not authorized. Being a member for so long means a lot to us, and 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
Stole my money and I dispute it and after two months they tell me I owe them more
Reply from Chime2026-07-22
Hi Olivia,
We understand how frustrating this can be, and we always strive to provide a great experience. We recognize that your most recent experience didn’t live up to this standard.
If you’re open to it, we’d appreciate the opportunity to look into your claim further. If you have any new information that was not included in your original dispute, you may be able to request a reinvestigation. We recommend contacting us at 1 (844) 244-6363 or through the app. Our Member Services team is available to guide you through the next steps.
- The Chime Team
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