Chime Mobile Banking Reviews in June 2026: User Ratings, Pros & Cons

I'd give a zero rating.

I can't give this company a low enough ranking. They boast free ATM's. The free ATM closest to me has been out of order for months. Next closest one charges me $3 on the spot then Chime charges me $2.50 for not using one of theirs.

Crappy ass bank

Well, let's begin with the fact that you can't get anybody. You can fully understand because they barely speak english and then they always act like you're guilty of something even when you're just calling for any reason at all to top it off. They don't like to pay out if you have anything stolen from you. They like to try to blame you and say it's your fault. By saying you must be given the pin or even when it's a credit transaction. You must have authorized it. So this time I had an I had ...

They locked me out of my own account…

They locked me out of my own account after I was hacked and left my money and allow the theft to stay on my account!!! I give them a -10⭐️

I've changed banks now it was good…

I've changed banks now it was good while it lasted they straight scammed me never no more I got a real bank now!!!

Convenient Mobile Banking with Features

I’ve been using Chime for two years now, and I couldn’t be happier with the experience. Although I’ve never needed to contact customer service and can’t speak to that aspect, the app itself has been nothing short of amazing. One of the standout features is getting my paycheck two days earlier than most people - a game-changer for managing finances. Additionally, the MyPay paycheck advance feature and the free SpotMe overdraft protection have been true lifesavers in tight situations. ...

The worst customer service

Chime has been a nightmare. They never provide proof of their so-called investigations when you dispute charges. They always deny disputes, and it takes forever to get a refund—up to 10 days! Feels like they’re just using your money to rack up interest. I had two transactions stolen, filed a police report, and they still insisted I made them. Customer service is a joke—every time you call, all you hear is “for this one…” and if you try to escalate, they hang up on you. So disappointed. This ...

Chime, a dishonest company, punishes honesty and rewards dishonesty.

Chime’s Unauthorized Account Openings and False Claims: A Disturbing Pattern of Mismanagement I am deeply concerned about my experience with Chime, which reveals troubling issues with their account management and customer service. In 2021, Chime opened a Credit Builder account for me without my authorization, despite my ineligibility due to the absence of direct deposits into my Chime checking account. I quickly notified Chime, and they closed the account. When I later became eligible for ...

I've had a horrible experience with chime…

I've had a horrible experience with chime so far. I've been charged twice for the same purchase multiple times. Or I have been charged for a purchase I've clearly made, only to have it refunded a few days later for whatever reason only to be charged again at a later date with no explanation as for why the orignal charge was refunded in the first place. Mobile deposits take a lot longer to clear whereas mobile deposits were cleared instantly at the credit union I used to bank with. Also ...

Chime where is my limited referral…

Chime where is my limited referral bonus? I've been waiting for days I invited 3 people all of them receive their bonus and I'm the referrer never received my bonus. Called the support number, one of your supervisor hang up the call on me, never call back.

Chime is a good go to card to get your…

Chime is a good go to card to get your money fast sometimes. Over the last year I have had lots of problems with chime. Ordering debit cards and not receiving them, not getting a tracking number which is not safe for me the customer. Chime changes their policies and procedures without notifying anyone. Pro they have a new way to go in debt, it is called MyPay on top of the spot me you can not use without your actual card now. You were able to use your virtual card and pin until you received ...