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 331-340 out of 389
E
Eliza
04/06/24
Chime keeps money and denies disputes
Generally speaking Chime was ok, no real issues until recently. From reading others complaints, it's a commonality to have errors, file a dispute and they deny it so they keep the money! I filed a dispute for a transfer, the person said they didn't get it, it shows on my account it was paid. So how can they deny that the payer said they did not receive the money, it's suppose to have been returned to the bank, but I don't have it either. How many thousands do they make just by keeping our money?
RG
Ronald Grunwell
04/02/24
Once money leaves, it’s gone.
Depositing is easy and so is the check cash feature with same day deposits. Never had issue with getting my paycheck early via direct deposit. Why the 1 star, because if you ever get any fraudulent activity or purchase something that requires a refund that they company refuses to give you, then consider the money gone. Move on and consider it an experience. Their customer service is outsourced and they use zendesk for their chat and regardless how much documentation you have, they deny it. ...
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RG
Ronald Grunwell
04/02/24
Once money leaves, it’s gone.
Depositing is easy and so is the check cash feature with same day deposits. Never had issue with getting my paycheck early via direct deposit. Why the 1 star, because if you ever get any fraudulent activity or purchase something that requires a refund that they company refuses to give you, then consider the money gone. Move on and consider it an experience. Their customer service is outsourced and they use zendesk for their chat and regardless how much documentation you have, they deny it. ...
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AS
Andrew Stephens
04/01/24
Worst customer service ever sat on th
Worst customer service ever sat on the line for five hours with absolutely any help when I finally was assisted the first guy hung up on me after I got a hold of a guy, he couldn’t even view my transactions which is crazy seeing how I can do it and I don’t work there finally wanted to update my phone number, but was told I had to send them a link of my ID picture just to update my phone number while I’m working finally got a hold of another guy for a dispute which pretty much they told me ...
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AS
Andrew Stephens
04/01/24
Worst customer service ever sat on th
Worst customer service ever sat on the line for five hours with absolutely any help when I finally was assisted the first guy hung up on me after I got a hold of a guy, he couldn’t even view my transactions which is crazy seeing how I can do it and I don’t work there finally wanted to update my phone number, but was told I had to send them a link of my ID picture just to update my phone number while I’m working finally got a hold of another guy for a dispute which pretty much they told me ...
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KM
kerry m
03/26/24
COMPLETE SCAM AN LIARS
PLEASE AVOID THIS CARD ITS A SCAM NEVER RECEIVED REFERRAL BONUS GOT THE RUN AROUND WITH CUSTOMER SERVICE FOR 45MIN JUS TO STILL NOT GET A SOLID ANSWER WHEN THE ONE I WAS REFFERED BY WAS TOLD THAT EVERYTHING WAS ELIGIBLE JUS NEEDED TO SPEAK WITH ME AN WHEN I CALLED GOT TOLD I DIDNT USE THE REFERRAL LINK WHEN WE HAVE EMAIL TO PROVE I DID PATHETIC SERVICE AN GIMICK OVER 100$ SMH WASTE OF TIME AN NOW FEEL MY PERSONAL INFORMATION IS AT RISK
KM
kerry m
03/26/24
COMPLETE SCAM AN LIARS
PLEASE AVOID THIS CARD ITS A SCAM NEVER RECEIVED REFERRAL BONUS GOT THE RUN AROUND WITH CUSTOMER SERVICE FOR 45MIN JUS TO STILL NOT GET A SOLID ANSWER WHEN THE ONE I WAS REFFERED BY WAS TOLD THAT EVERYTHING WAS ELIGIBLE JUS NEEDED TO SPEAK WITH ME AN WHEN I CALLED GOT TOLD I DIDNT USE THE REFERRAL LINK WHEN WE HAVE EMAIL TO PROVE I DID PATHETIC SERVICE AN GIMICK OVER 100$ SMH WASTE OF TIME AN NOW FEEL MY PERSONAL INFORMATION IS AT RISK
MV
Michael Veto
03/25/24
False Advertisement. They are liars
You people are the worst yall told me when I signed up with chime that If I have a deposit over $200 for two months my spot me would go from $20 to $200 that's false advertisement and I'm going to report you to the BBB and my lawyer already has been contacted for yall lies. I will be taking my business elsewhere
AM
Aimee Marshall
03/25/24
Chime allowed an unknown merchant to…
Chime allowed an unknown merchant to take 80 percent of my money out of my account fraudulently. I physically had my card no one has my card number number or pin and while I was at work they allowed an unknown merchant to take money from me. They then told me it will take 90 to 100 days to process my dispute. It’s just horrible.
MV
Michael Veto
03/25/24
False Advertisement. They are liars
You people are the worst yall told me when I signed up with chime that If I have a deposit over $200 for two months my spot me would go from $20 to $200 that's false advertisement and I'm going to report you to the BBB and my lawyer already has been contacted for yall lies. I will be taking my business elsewhere
Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].