I have been using it for a year with no…
I have been using it for a year with no complaints!
Reply from Chime2026-07-22
Hi Brandon, thanks for sticking with us. We’re glad Chime continues to be helpful for your banking needs. - 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
It has helped me raise my credit score…
It has helped me raise my credit score and being able to have spot me and Mypay and no Overdraft fees and getting to pay back when my direct deposit hits My account every every month instead having to pay back through the month before I can use money Helps to have money through the month and being took out of my checking account the following month thank you....😀
Reply from Chime2026-07-21
Hi Jarett, we’re glad to hear multiple Chime features have been helpful for you. Thanks for the review. - The Chime Team
just let him know Chime was very good 💯
the company is good
Reply from Chime2026-07-21
Hi Randy, we’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this. - The Chime Team
Complaint opened with the CFPB about Chime and unfair practices
@ chime. Let's see if I can keep this brief as I'm tired of dealing with this. I deposited 2 mobile check deposits to my chime account. According to Chime both checks were accepted. The issuing bank of the checks gave me a printout showing where the funds were taken out same day as the check was deposited as I put both checks in before the cutoff time. I have yet to recieve my money after being told that they would make it available or at least some available the same business day. I found out that Chime is holding it to recieve interest off my money as it sits in there account. I have contacted the BBB as well as the CFPB. The CFPB representative stated that they are aware of the problem as this isnt their first complaint about this very problem Chime has been having. They have opened a investigation into the matter. They are crooks that use your money to gain interest when the consumer has bills to pay. There has been a complaint filed and opened at CFPB.
Reply from Chime2026-07-21
Hi Jerry, We truly understand how frustrating and stressful it is to wait on a Mobile Check Deposit, especially when you have plans for it. To keep your account safe, we evaluate each check based on several risk factors to determine if a hold is necessary. This means some checks may require a standard hold time to clear safely, while others will not. This extra step helps us protect your account and ensure the funds are fully secure. We recognize that you've already called in to get help with this. If you give us another chance, we'd love the opportunity to review this in more detail. Please contact us again through the app or at 1 (844) 244-6363 and our team can look into this a bit more with you. - The Chime Team
DONT OPEN ACCOUNT WITH CHIME
DONT OPEN ACCOUNT WITH CHIME, READ FIRST I opened up an account about 5 years ago with Chime and from day one they had issues verifying my passport. One agent said we don't accept passports, excuse me a US passport is harder to get, harder to fake than a crappy ID or license. I had to email them my passport just so they could accept it. That worked for only a few months and again I couldn't access my online account, I tried again to call their support and again the same freaking issue. 5 years later I gave up trying to access my online account but I used the account daily. Id receive funds from my boss, my employer every week, direct deposit. I got a message a few weeks ago that my Chime credit card has expired so I need a new one. Now I didn't have a choice. I renewed my US passport which I received by DHL just yesterday. I called Chime right away to update my ID and verify it. I was on the phone 45 minutes with an agent who had me verify my passport 4 times - once on the computer and 3 times on my phone. I had to take a photo of my passport and a selfie, which I did. Every time their system couldn't recognize my US passport. I explained its brand new, the first page has a thick plastic box surrounding it, maybe that's your system. Come to find out THEY ARE NO HELP, I currently have $1,158.22 in the Chime account that I can't access because of their system. The agent finally hung up on me due to her not being able to do anything. I couldn't talk to a supervisor because they can't transfer calls, I can't call a different number because that's ALL THEY HAVE, I can't email their support because again the only support is a phone that no one can help you with. DO NOT BOTHER WITH CHIME ANYMORE. How can they after 5 years of the same issues not have another way of verifying me. Yes, I've contacted a few government officials to federally go after Chime. This post is more for others to close their Chime accounts NOW before its too late. Do not join Chime, they have no official office, no morals and they are thieves, you will next! I have been in contact with management for almost a month now trying to remove my money but still issues. They don't give you options and my passport is still showing up blurry in their system, Scan ID. Their system hasn't worked in 5 years since I started with them and still now nothing has changed. Im writing this so you think about finding a different company than Chime. I am not the only person that has this problem nor will I be the last but I will fight against Chime to ensure this doesn't happen. Chime, your reply sucks. If you read my comment, IM ALREADY IN CONTACT WITH YOUR MANAGEMENT BUT NOTHING IS GETTING DONE. I have already called your company 3 times and your customer support service DOESNT HELP, CANT HELP, WONT HELP AND ISNT HELPFUL. Would you like me to say it again? Even worse your delete customers reviews on Reddit & Quora. Youre a shady company who does nothing but steal and make life hard for your customers. Dont you remember the Consumer Financial Protection Bureau went after you in 2024 for closing accounts and not returning customers funds. Should I say more!!!!! You steal customers money so you can pay for moderators to remove postings from your valued customers!
Reply from Chime2026-07-21
Hi Kirsten, We understand how distressing and frustrating it is to not have access to your account and we want to get you back in as quickly as possible. We'd value another chance to provide a better experience. Please reconnect to our support team at 1 (844) 244-6363 so they can investigate this. - The Chime Team
Chime automatically revoked my Chime Prime benefits
After having direct deposit set up for two and a half years, a payment failed due to an error on my employer's part, and Chime automatically revoked my Chime Prime benefits without giving me a chance to explain what happened. It seems Chime does not take each customer's history into account.
Reply from Chime2026-07-21
Hi Miguel, We completely understand how frustrating it is to lose your Chime Prime benefits over an employer payroll issue, especially after two and a half years of successful direct deposits. To qualify and maintain Chime Prime status, you need at least $3,000 in total qualifying direct deposits in the last 34 days. If your qualifying direct deposits fall below $3,000, your status will change back to Chime Plus or Chime status. You can only be in one status at a time. Once you meet the eligibility requirements again, your status will automatically return to Chime Prime. If you've already confirmed this with them, our team would be happy to take a look into what's going on. You can get in touch 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
They denied a dispute for two charges…
They denied a dispute for two charges that equals just over $200. The company that charged me was some china company called lumeville. Showed chime proof that they have scammed other people, proof I emailed the company before the pending money was taken and that I did not order nor want any products from them. Had to get new card. But chime decided oh well we are paying them the money. Screw you customer, you couldn't prove you didn't order it so we're letting them take to he money. Chime is joke. Going back to traditional banking.
Reply from Chime2026-07-21
Hi Mark, We completely understand how frustrating this situation is, especially when you have worked hard to gather evidence to resolve it. Since it sounds like you’ve already filed a dispute for these charges, we want to ensure your information is thoroughly investigated. If you disagree with the outcome of our investigation, or if you have additional evidence to submit, please contact our dedicated team directly at 1 (844) 244-6363. We can reopen and review this matter further with you. Our team is available 24/7 to support you. To assist with this, we recommend preparing the following details before you call, if available: - Receipts or invoices - Information about delivery and shipping - Confirmation email(s) - Tracking number(s) - Any conversations 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 differs from the listed price - Written requests to cancel or stop the transaction 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
Overall it's ok
Overall I was pretty satisfied with chime until I purchased a rental car that released the hold the very same day that I returned the car which was on the 29th of last month, it is now the 21st and still have a $250 HOLD on my money. I'm still wondering why is Chime still holding it.
Reply from Chime2026-07-22
Hi Kate, Thank you for sharing your experience. We understand that waiting for these funds to become available is stressful, and we want to help clarify the timeline. Car rental holds typically take up to 30 days to clear on our end, and your balance will automatically update the moment the rental company finalizes the transaction. If the hold stays on past that 30-day window, please chat with us in the app or call us at (844) 244-6363 so we can look into it and best assist you. - The Chime Team
I find most of my chime great
I find most of my chime great. But without your phone it's hard to sign in on different device. No longer a free ATM in my area. Bit over all I like my chime and appreciate the perks.
Reply from Chime2026-07-20
Hi Linda, we’re happy to hear Chime has been helpful and appreciate you sharing what could make the experience even better. - The Chime Team
I’ve been with chime for a year now and…
I’ve been with chime for a year now and it has been a great experience. Easy to use in your everyday expenses, easy to use to make my payments and when you travel. I love the updates and the help to keep my balance afloat it’s like having your back when you need it. I have shared Chime with my friends, coworkers and family. Loving the Chime banking experience.
Reply from Chime2026-07-20
Hi Karen, Thanks for the review. We're glad the Chime app has made it easier to manage your money. -The Chime Team
The best decision I made switching to…
The best decision I made switching to Chime
Reply from Chime2026-07-20
Hi Vanesa, We’re so glad to hear Chime has been working well for you. Thanks for taking the time to share this. - The Chime Team
Im happy
Im happy with it it's helped me .
Reply from Chime2026-07-20
Hi Shunda, We appreciate the review and are happy to hear you’ve had a positive experience with Chime. - The Chime Team
My experience with Chime has been…
My experience with Chime has been really great. I’ve built my credit up to 714 from the 500s within just a couple years. Spot me has helped me out tremendously. I would recommend chime to anybody that I love because it has helped me out a lot. No overdraft fees no late fee fees free from fees.
Reply from Chime2026-07-20
Hi Shari, We really appreciate your continued trust in Chime. We’re happy to hear features like Credit Builder and SpotMe have been useful for you. Thanks for sharing your experience. - The Chime Team
SHAME ON YOU CHIME
SHAME ON YOU CHIME! AFTER BEING A LOYAL CUSTOMER FOR MANY YEARS YOU TELL ME YOUR CLOSING MY ACCOUNT. CALLING YOUR CUSTOMER SERVICE ASKING WHAT I DID THE AGENT COULD NOT TELL ME. ASKING FOR A SUPERVISOR SAID THE SITUATION DID NOT WARRANT IT. KNOWING I DIDN'T DO ANYTHING ILLEGAL OR WRONG TO JUST SHUT MY ACCOUNT DOWN WITHOUT EXPLANATION IS COMPLETELY WRONG. AT THE VERY LEAST A CUSTOMER FOR MANY YEARS DESERVES AN EXPLANATION AND A PROCESS TO CLEAR THE MATTER UP. YOU'RE ADVERTISING PUSHES CARING FOR YOUR CUSTOMERS BUT YOUR ACTIONS SHOW THEY ARE JUST A NUMBER TO YOU. IT'S MY HOPE OTHERS SEE THAT AND REALIZE YOU DON'T LIVE UP TO YOUR ADVERTISING....
Reply from Chime2026-07-20
Hi Edward, We understand your frustration regarding the unexpected closure of your account after many years of loyalty. We always strive to provide a great experience, and we're very sorry to hear that your most recent experience didn't live up to this standard. If you are open to it, we would love the opportunity to try again. If you get in contact with us at 1 (844) 244-6363, our Member Services team is standing by 24/7 and would be happy to address any concerns you have. - The Chime Team
Chime is simple to use
Chime is simple to use. Giving I have extreme mental health issues I often think I have a million dollars when my monthly benefits come in witch goes quickly. So I often run out of money quicker than expected chime helps me keep track where every single penny goes so that's help for my monthly melt downs once I'm broke chime also tells me what bills needs to be paid and how much it's a life saver
Reply from Chime2026-07-20
Hi Bryant, Thanks for the review. We’re glad the Chime app has made it easier to manage your money. - The Chime Team
Financial Manna from Heaven!
Chime has always been there for me when times were less than ideal financially. Between SpotMe and the more recent MyPay addition to their wealth of offerings, I never worry about how I'll pay for my next meal or slightly past due bill. I daresay Chime has been there for me when all other institutions have considered their bottom line more important than my 'trivial money concerns...' For that alone, Chime has my undying loyalty. 💯
Reply from Chime2026-07-18
Hi Joel, We appreciate you sharing this. We’re glad Chime features like Spotme and Mypay have been helpful. - The Chime Team
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