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 41-50 out of 379
JM
Juli McKenzie
10/04/24
Chime is the very, very worst for personal banking.
Chime is great - until I need to deposit money. Even at the places that have "free" deposits on their Cash Map, and even though I have a $1000 limit for deposits, these retailers are charging $4.95 per transaction, and limiting my deposit below my Chime limit. The Chime ATM doesn't accept deposits. I am being charged $50 for ten $300 deposits over 10 days to get my apron-string money from my husband deposited into my Chime bank account. Today, it has cost me 3 hoirs to drive aroumd town to ...
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SA
Scott Applegate
10/03/24
They stole 13,000 from my account
They stole 13,000 from my account. I'm making a police report today.
SD
Shayla DOB os
10/01/24
I had Chime for a little over 2 years…
I had Chime for a little over 2 years an no problems. I lost my job and they closed my account. I had a positive balance. When I called to find out the reason why my account was being closed I was told that they could not release that information. Why not?!? I have done proven this was my account. I am about to start a new job and tried applying for another Chime card and a message came across that they cannot give me an account at this time and that the customer service representatives ...
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TB
Tyrese Bennet
09/28/24
Its easy to access and simple to use
The greatest banking app by far if someone u know sends u a spot me thats easy free convenient money
KD
Kelli Durbin
09/28/24
Very thankful I have Chime...They are the Best!
I have nothing but great things to say about chime! They are amazing and are always on top of things like catching fraudulent transactions before it happens! I love my Chime! They really are the best!!!!!
SS
Susan Smith
09/25/24
They decide when and where you can…
They decide when and where you can spend your own money. Don't waste your time on this garbage!!
AS
Amy Smith
09/25/24
I spent three weeks trying to get my…
I spent three weeks trying to get my account unblocked only to get it unblocked within 30 min it was blocked again. Then had to wait 8 hours to review my information.unfortionally they seemed shocked I closed my account. Well it took me 3weeks sending documents to get it unblocked.will not telling anyone to use chime I am so stressed over this and there apologies mean nothing.got tired of hereing it. And there music stinks too!!¡!!!!
T
Tee
09/23/24
Chime SUCKS!!!
Chime closed my account because I had a large deposit come in to my acct. They told me I had to show them a paystub to verify the deposit and I explained to them that the deposit didn't come from an employer. I showed them the email from where the deposit came from. It was a legit deposit and they still closed my account. I bank with navy federal and deposits come in from this company all the time and Navy federal had never questioned my deposits and they are a federal bank. Everytime I try ...
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D
Daisy
09/22/24
DO NOT USE CHIME
DO NOT USE CHIME, THEY CHARGE $2.50 JUST TO TAKE OUT YOUR OWN MONEY FROM ATM. WHAT A RIP OFF!! AND YOU CAN NO LONGER DISPUTE CHARGES ONLINE.
KE
Kathy Edison
09/21/24
“Run for the Hills”! Chime Sucks!
Yes, chime does really suck. They were great until my direct deposit stopped. Not helpful or willing to stop a mobile check deposit that was ‘all of a sudden’ going to take over a week to clear. I think it was because I had stopped my one direct deposit and hadn’t been able to start the new one, which by the way was their fault as well. So, let me explain… when getting direct deposit they would spot me some of my mobile deposit until it cleared in 3 days. Once my direct deposit stopped from ...
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Disclaimer: This research has been collated from a variety of authoritative sources. We welcome your feedback at [email protected].