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Chime Reviews 12,531

TrustScore 3.5 out of 5

3.6

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Review summary

Created with AI, based on recent reviews

Most reviewers were somewhat happy with their experience overall. Many consumers appreciate the ease of use and convenience offered by the app, finding it helpful for managing finances and tracking spending. Features like early paycheck access, SpotMe, and MyPay are frequently highlighted as significant benefits that assist with financial flexibility and bill payments. However, some people were dissatisfied with aspects of customer service, reporting difficulties in resolving issues and receiving clear explanations for account changes. There are also mentions of problems with payment processing, including funds being held in "pending" status and issues with mobile check deposits. A few other people also felt that their MyPay limits were unexpectedly decreased without sufficient explanation, leading to frustration.

What people talk about most

Payment

Clients share ambiguous opinions on payment. Many reviewers appreciate features like early direct deposits,... See more

Application

People report positive experiences with the app. Many customers express their satisfaction, highlighting its... See more

Customer service

Consumers find customer service to be ambiguous, with many reporting negative experiences such as long wait... See more

Service

Customers consistently note ambiguous experiences with service. Many reviewers express satisfaction, praising... See more

User experience

Reviewers highlight positive aspects of user experience, with many praising the ease of use and convenience... See more

Reviews shaping this summary

Rated 4 out of 5 stars

I think chime is a great simple banking experience that is great for quick and easy spending And the app looks great Must have service for the future generation Been a member since 2023

Rated 3 out of 5 stars

Chime was great for a while! I receive a monthly paycheck in the same amount every month - but suddenly my myPay was decreased dramatically without any explanation or way to ask why this would suddenl... See more

Company replied

Rated 3 out of 5 stars

Chime has been a great convenient way for me to stay organized in my side hustle as a performer and yoga teacher. The app is easy to use and it’s made it really easy to stay on top of my little bus... See more

Rated 3 out of 5 stars

I am very on the fence still about Chime as they allowed someone to steal money from me and did nothing to resolve this even when I provided physical proof I was at work when my card was used in a sep... See more

Company replied


Company details

  1. Financial Institution

About Chime

Written by the company

Chime logo

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.


Contact info

3.6

Average

TrustScore 3.5 out of 5

13K reviews

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Rated 1 out of 5 stars

This is worst bank ever my money was…

This is worst bank ever my money was stolen I filed a police report like they told me to an it was still denied

April 27, 2026
Unprompted review
Chime logo

Reply from Chime

Hi Dee,

We completely understand your frustration about this matter, and we definitely want to help. We know how important it is having your funds available right away. Our team would be glad to take a look into what’s going on.

If you’re open to it, we suggest contacting us at 1 (844) 244-6363 or in the app. Our Member Services Team is standing by 24/7 and would be ready to address any concerns you have.

- The Chime Team

Rated 5 out of 5 stars

Chime has delivered on everything that…

Chime has delivered on everything that was promised. I highly recommended chime to anyone, from getting paid early,to awesome customer service,to the ease of the application.Thank you chime for delivering!! I would recommend to anyone of looking for help to rebuild credit, to a parent to help teach their children to be financially responsible. Truly amazing service. 🙂

April 26, 2026
Unprompted review
Rated 5 out of 5 stars

I was homeless a year ago with terrible…

I was homeless a year ago with terrible credit. In the last year by credit school has gone up seventy points. The overdraft is amazing for restaurant works cuz the check goes up and but chime always covers. I'm blessed to be where im at and Chime was an enormous help

April 27, 2026
Unprompted review
Rated 3 out of 5 stars

When filing a dispute make sure you do not file it with chime and Google play at the same time

April 1st I found a dispute on an account a charge on my account for $50.51 I then the following day make sure to let Google Play know that that was an unauthorized charge oops shouldn't have done that April 14th I was told that my money had been refunded by Google so I called and asked trying why is my money not in my account they say that they see it is pending and that I should have no later than the 17th came and passed away called again all of a sudden there was no pending deposit and Google had not ever initiated a refund and they were not responding to chimes messages upon this I messaged Google again and they said that is not true and here it is the 25th and I still have not received my money

April 17, 2026
Unprompted review
Chime logo

Reply from Chime

Hi Casandra,

This sound like a pretty frustrating experience. It sounds like you've filed disputes for this already. If you disagree with the decision that was made in our investigation, we'd encourage you to get in touch with us again at 1(844) 244-6363 if you'd like us to investigate this again with you.

To help with this, we'd also encourage you to prepare the following details ahead of calling if you have them:

- Receipts or invoices
- Delivery and shipping information
- 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/hc/en-us/articles/221405728-How-do-I-dispute-a-charge-on-my-card.

- The Chime Team

Rated 5 out of 5 stars

What made my experience great:chime experience

What made my experience great:
My experience was great because the process felt smooth, efficient, and well-organized. Communication was clear at every step, and I felt like my time was respected. The overall atmosphere was positive, and I left feeling satisfied with both the service and the outcome.
What is this company doing well (honest and constructive):
The company does a strong job with customer service, especially in terms of responsiveness and professionalism. Staff members are approachable and seem knowledgeable, which builds trust. The process is also fairly streamlined, making it easy to navigate without confusion. To improve, the company could focus on adding more personalized touches and ensuring consistency across all interactions, as that would elevate the experience even further.

January 22, 2026
Unprompted review
Rated 2 out of 5 stars

Chime allows the wrong people to take…

Chime allows the wrong people to take money out of your account and when you call about it they haven't credit you back

April 4, 2026
Unprompted review
Chime logo

Reply from Chime

Hi Rebecca,

We understand how frustrating this has been and are taking your concerns to heart, especially since your recent experience didn’t meet the high standard we always strive to provide.

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

Rated 5 out of 5 stars

Love banking with chime

I love banking with chime.. When someone had stolen my card and used it for transactions that were not authorized they quickly investigated the matter and returned my money promptly

April 24, 2026
Unprompted review
Rated 1 out of 5 stars

Do NOT get a Chime card.

I got the Chime card, not the credit card. I was using it for safety against hacking as a basic prepaid card. 2 months in I get an alert that I have missed a Chime card Payment of $20. Payment for what?? I put money in, I take money out. It's not a credit card. I still have a positive balance. I called customer service, a joke by the way and spent over 20 minutes of a guy explaining to me how it works and to keep the card. After about 30 minutes I finally got him to cancel the card and account. On a recorded line as they say. That was January. In April, I get an alert from my Transunion account that I have a credit card over 30 days past due and it dropped my credit score 40 points. It was Chime again. That I had cancelled 4 months earlier. Again I called Chime joke customer service and get a lady that barely speaks english and said yes I missed payments. I said it was cancelled back in January and she tells me it was not. I told them to pull up the phone message and listen to it, she says they cant do that. When I told them fix it or get sued, she says I would have to "reactivate my card and account" to fix it. Well are you saying now it is cancelled? No its just deactivated. It has been two weeks and I am waiting for a resolve. I filed a complaint with Transunion as well so they could investigate it.

January 5, 2026
Unprompted review
Chime logo

Reply from Chime

Hi Liam,

We appreciate you sharing your thoughts. We know how frustrating it is to experience multiple issues at once, and we're here to help. We'd value another chance to provide a better experience. Please contact our Member Services team again at your convenience so we can assist you further.

- The Chime Team

Rated 1 out of 5 stars

First I an on disability benefits and I…

First I an on disability benefits and I don't do good with talking on phone. Your autobot doesn't understand what I say. And 5hen it ask stupid questions and stupid questions that I've already said the answer to it.. then I call you several times to see what something is doing. And you can see that I need something to eat and I know you cc an override things but you still insist that I am wrong. Im hungry and need thing s, especially a few days before I get paid. Not right 😕

April 24, 2026
Unprompted review

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