Chime® – Mobile Banking

I’ve had Chime for a while now I think nearly 2 years and although it’s not my primary bank it comes in handy for miscellaneous things plus it syncs with Cashapp. Recently Chime had a technical problem that kept account holders from making purchases and accessing their accounts i.e. their money. Social media erupted and the customer service number was overloaded with calls to the point they stopped taking calls. Yes it was frustrating and embarrassing for a lot of people attempting to use their cards which they knew had money in their accounts. However as a great way to show their customers they care, Chime took full accountability and made some very generous options available to those that were affected. We are quick to write a review when an experience is bad but Chime deserves a five star rating not only for meeting my expectations since being a customer but the ethical way they are apologizing to their customers for an issue that was clearly out of their control. Some may feel what Chime has offered is not enough for them to be so easily forgiving but ask yourself this...what if they did nothing and continued on with business as usual? I honestly forgot about the fiasco until I saw an email from Chime this morning. Excellent job Chime!!!!

I wouldn't give chime a 5 star rating because they're are a few issues that needs to be addressed and think bank would be perfect There is a problem with the dispute process as a bank and having a visa debit card the consumer should be backed by visas zero liability on any unauthorized/fraudulent transaction we live in the digital age it happens🤷🏼‍♂️ Another thing Direct deposit shouldn't be the only funding method that is honored other factors like how long someone has been a customer and what theyre balance is at the beginning of every month to be eligible for all chimes features like check deposits and spot me. Chime is in the position to change the way we all bank so addressing these issues would be in the institutions best interest last but not least chime should offer a form of credit as in a secured card or a short term loan or a low balance credit card real people use chime and real people work and sometimes need a little extra spot me is good great work but a more traditional credit option would be better other than that chime is a very good way to go and i would advise anyone that is a average working american to at least use chime as a second bank option i use it as my primary banking option but it does lack traditional features like direct ach transfer blank checks cashier checks credit if chime fixes these issues everyone will have this bank trust me

Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with Chime. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in the app, it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.) Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. Chime has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with chime and I hope that it never does. Not revenant to the app or bank- but cashiers at the store always say the card is a cute color lol.

Unfortunately due to a career loss, having to start over and struggling financially for 3 years I had no other choice but to file bankruptcy. I was told by my legal counsel that the bank account I had would potentially freeze my limited funds because one of my credit cards was linked to my checking. They encouraged me to seek a new checking account so I could maintain what money I had. Because my credit was now poor, I was denied by two other banks a checking account. Most big banks now run your credit along with Check Systems to deem you a desirable customer. I researched my options and found Chime on a tech blog. I’m so very glad I found it! It is no frills checking and savings with a super simple app. It’s a traditional debit card in every sense. It’s Visa so you can use it virtually anywhere! Get cash back with groceries. Tons of ATM’s through money pass with NO fees! I know it may not be for everyone, but if you are sick of big banks and all their fees and tactics, I encourage you to give Chime a try. I’m very grateful to have an option like Chime. It saved me a lot of grief at a time when I’m already feeling insurmountable pressure.

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They do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45.