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

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Company details
About Chime
Written by the company
A financial technology company that helps you unlock financial progress through credit tools, access to early pay,² and no monthly fees.
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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
United States
- 844-244-6363
- www.chime.com
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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

Reply from Chime
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. 🙂
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
Very reliable never had any issues…
Very reliable never had any issues helps me with my finances
Chime is not a disappointment
Chime is not a disappointment. My whole family uses Chime.Support chat with issues are fixed immediately.
Chime has been a great addition to my…
Chime has been a great addition to my financial needs; however, I joined based on the advertisement of being paid on Wednesdays, and I don’t think receiving my check after 9:00 PM on a Wednesday constitutes as the same thing.
Chime does not do enough to protect its…
Chime does not do enough to protect its customers from fraud. It also denies all disputes and isn’t a trust worthy company. I am closing my accounts with them. Go to a banking institution that’s reliable.
Great! They make it easy to bank with!
Great! Better than all others by far! Withdrawal limits are high making it convenient for large cash withdrawals.
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

Reply from Chime
Shout out to The investigators at…
Shout out to The investigators at chime. They resolved 1k in charges ..
Chime is the best!!!
I just have to say I have no complaints…
I just have to say I have no complaints at all. With all the new benefits happening all the time and I have no issues of when my deposit will come. I just appreciate everything!
Chime been great to me never had a…
Chime been great to me never had a issue with this company ill give chime 10 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.
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

Reply from Chime
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
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.

Reply from Chime
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 😕
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