Chime Mobile Banking Reviews in June 2026: User Ratings, Pros & Cons
Banking made easy, anytime, anywhere.
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Chime Mobile Banking offers custom pricing plan
Chime Mobile Banking Reviews & Ratings
Spotsaas Editor’s POV
Chime is a mobile-first banking app designed to simplify everyday financial management for modern users. It combines no-fee checking and savings accounts with a clean app interface, early payday access, automatic savings tools, and minimal banking friction. Chime’s focus on transparent pricing and digital convenience appeals to users tired of traditional bank ...Read more
Chime Mobile Banking pros and cons
The intuitive app design makes it easy to send money, check balances, and manage accounts on the go without visiting physical branches.
Instant notifications for transactions, low balances, and direct deposits help users stay aware and in control of their money.
Built-in features let users round up transactions or transfer small amounts into savings automatically, supporting better financial habits.
Users get paid up to two days early when they set up direct deposit, improving cash flow for bills and budgeting.
Some users report slower response times or limited support channels compared to traditional banks.
Access to certain ATMs may incur charges unless users use Chime’s partner network or get fee rebates through membership requirements.
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Showing 21-30 out of 379
T
Toni
11/05/24
This bank CANNOT be trusted!!!!
This bank CANNOT be trusted. Money disappears from your account and they never have an explanation. DO NOT USE THE MAIL A CHECK feature. They give you a mail date and an arrival date that ARE LIES. It actually takes NO LESS THAN 21 DAYS FOR YOUR CHECK TO ARRIVE. So don't use it to pay bills that have due dates - your payments will be late everytime. AVOID AVOID AVOID
T
Tammy
11/05/24
Absolutely horrible
Absolutely horrible. These thieves have all my personal information and I cannot even log into the account. The are crooks !!!!!! Beware !!!!!!! Impossible to reach a live agent. I just walked away from all of it.
L
LJ388
11/02/24
unnecessary steps to speak to a Live person
It takes to many unnecessary steps to speak to a live person,and when they pick up they’re always talking to other agents and make the caller continue to wait for a response,I’m dropping there why service stay with your bank Call so Why CALL TO GO THRU MORE UNNECESSARY STEPS TO TALK TO AN UNAVAILABLE AGENT NO THANK YOU
N
Nikki
11/01/24
They are nothing but liars especially…
They are nothing but liars especially when it comes to boost ..my boost had $10 in it last night...they restarted and I was boosted by others and it never showed...I also used my pay and it didn't go through...only happens 1st of month but they lie...I know how it works.... I'm going back brick and mortar if they don't get it right... it's better offers like current and more
JW
Jillian Wagoner
10/27/24
Honest chime review, 2 year customer
Chime is a great bank with great features for people starting their financial journey! My most favorite feature is the credit builder, getting my direct deposits earlier and being in control with transfers, savings. However, I ran into a few small issues when it came to buying a home. The information I needed to provide to my lender company wasn’t able to verify several things for their task list to move forward. So that was a bit inconvenient working through that. And when it came time to ...
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FJ
Florrene Justlikethat Cornell
10/26/24
They Will Close Your Account With No Explanation
I enjoyed banking with Chime.. having part of my check divided and deposited a few days early was very convenient for me..but for some unknown reason this banking app can just decide to close your account without any explanation other than You're Not In Compliance..and give no reason as to what you did to be Out Of Compliance..not even giving you a chance to check it out to see the issue..just Your Account Will Be Closed In 30 days..point..blank.. period..so not a way to conduct ...
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H
Haja
10/26/24
WORST bank ever
WORST bank ever! They’ll literally decline a transaction for no reason but still pull the money out of your account. Then make you wait 7 business days for it to expire and reflect back on your account.
AG
Anthony Green
10/24/24
My pay
The way mypay works is I get a 400.00 limit. I paid it and then I have to wait 5 days to take the whole amount. I can only take portion of it. This has been stressful. It would help if I can take the whole amount. Since chime take the whole amount I owe
SS
Scout S
10/23/24
Useless
Useless. Doesn't work with paypal. Doesn't work with Zelle. Doesn't work with Applepay. Handing your money to someone and asking them to hold it for you would be better. An absolute waste of time. (I will elaborate because Chimes response makes it seem like this is because I don’t know what I am doing. I have my charm card in my Apple wallet but it declines anytime I try to use it and can only use my physical chime card. I have connected my chime account to PayPal where PayPal tells me ...
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S
Sarena
10/23/24
Greedy Billionaire Company STAY AWAY, BEWARE, CROOKS
The worst, needed money to get towed off the freeway Chime declined the chime app to chime app transfer that is supposed to be immediate and nothing. 9 calls to them over 4 hours and they couldn’t tell me why they were denying my transfer. Employees are not just rude they are untrained and only know one phrase… “I am sorry” but they are not… Never TRUST this company… YOU must search them… THEY ARE UNDER INVESTIGATION FOR for so many things they should not be in business. NEVER, NEVER, ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].