Chime Avis 12 451

Chime has been great for me. Always respond to any inquiries I may have concerning my accounts. Quick to dispute any transactions that are not mine. I will continue to bank with Chime as long as I can.
VIP Member.

39 month boost streak. Enjoying chime so far. Hopefully I can win #WhyIChime soon! Love this bank

I downloaded this app through a hyperlink to get $350 if I signed up for direct deposit and I did, I got it all settled and figured out, got a it deposit and now they’re saying there’s no record of me signing up through their hyperlink for their offer. Ridiculous. I’m closing my account and I would recommend going somewhere else. i contacted Ember and Chime directly and was still not given any bonus or answers.

would go lower if possible. I cannot access my money because of your $25 minimum. YOUR PROGRAM SUCKS.

Do NOT use chime! Its not a safe space for your money. After a few years of enjoying chime I had someone hack into my account from their phone and send themselves $500. I immediately disputed it cause I knew I didn't do it or authorize that transaction but my dispute was denied. Before the dispute was denied, I spoke with the fraud department to make sure it doesn't happen again but they refused to help me, saying it wasn't their job and there wasnt anything they could do. Absolutely will never use Chime again or refer anyone.

Chime has been a great convenient way for me to stay organized in my side hustle as a performer and yoga teacher. The app is easy to use and it’s made it really easy to stay on top of my little business’s finances and see everything clearly and quickly.

What I don’t like though is that they stopped allowing me to deposit checks due to a reason they won’t explain with a message to call customer service. And calling customer service takes a while to get past the AI bot (how many times can I say talk to representative). Then the actual representative was not able to do anything to help and just said “chime removed your eligibility and I cannot manually re enstate it.” And no other information could be provided.
So I’m not able to use mobile deposit anymore which is really inconvenient and upends the reason I have this account in the first place.

I'm feeling blessed with this company

ive been a customer for over 2 years and they give you notifications on everything you do which is great. However on April 12th I deposited a check from casino winnings that I had that night. I was told the money would be available after a 5 day hold and would be in my account April 17th. On April 17th I had no deposited funds. I went through the app to the chat and was told by AI the check was not accepted and do not submit the check again. That was the first I had heard that it was not accepted and I never received a notification. I called to speak to customer service. I was told they are unable per their policy to tell me why my check was not deposited. So you cant tell a current customer why their check was rejected? WTH? I told the person I was speaking to I never received any notifications and she said CHIME IS A WORK IN PROGRESS. WTH? On top of that I could barely here the person because the call center was so loud. I asked to speak to a supervisor so she transferred me. The supervisor said she could not hear me and I told her I could not hear her either because there is a man in her call center talking so loud I can hear his conversation about another person he is talking to and their account. THIS IS NOT OK. She said let me fix my microphone and hung up on me. YOU JUST LOST A CUSTOMER CHIME!

$100 was stolen from my account, I made Chime aware that a certain company had been attempting to take money from two different bank cards, including my chime card. I have an open dispute with this particular company and I made Chime aware that also. However, they allowed them to steal $100 from my account and for the past three days I have been attempting to speak with a rep, have an open dispute with this particular company and Chime knew that also. However, they allowed them to steal $100 from my account and for the past three days I have been attempting to speak with a Chime representative, all of a sudden they do not speak English, they were very disrespectful. All of a sudden, I have not been able to speak with anyone concerning this matter I have not been able to utilize my account, however after allowing this particular company to steal my money, I have not been able to speak with one representative that speaks English, I hear laughing in the background, I’m put on hold for five and ten minutes and it’s just been a all-around horrible experience as of recently. And to this day, they still have not allowed me to reopen the dispute.

Spot me feature is one of the perks i enjoy especially when u need the break without anyone's help

Chime has been an overall disappointment for me. They advertise a wide range of perks for banking with them, but increasingly, fewer and fewer qualifying customers seem to receive those benefits.

They draw you in with promises of payroll advances, easy access to loans, and overdraft protection. All you have to do, they say, is have your paycheck deposited. That sounds simple enough. In reality, it hasn’t worked that way.

In my case, I had my paychecks deposited consistently for three months and initially received their full set of benefits at the highest levels. Then, without warning, everything changed. Same paycheck. Same employer. Suddenly, no benefits.

Trying to get answers has been frustrating. There is no direct email support. Instead, you are routed through a chatbot before eventually receiving a call from a human representative. It creates the impression that written records are being avoided.

When I finally received an explanation, I was told that the bank used by my employer had flagged the company for some form of fraud. Concerned, I contacted that bank directly. They told me no such information had ever been shared with Chime, nor was there any issue of that nature.

My employer is a young startup, about six months old, with a small customer base and no history of fraudulent activity. The explanation simply does not hold up.

From my experience, it appears that Chime is making promises in its marketing that it is not consistently able or willing to fulfill. And if that is the case, it raises a serious question: should you trust them with your money?

It may be wise to consider other banking options before running into the same issues.

FOLLOW UP BASED ON RESPONSE: This is what Chime says nearly every time. Calling their support desk is a waste of time. They not only do not do anything, they make very little effort to even understand why you are calling. The fact that they do not offer an email utility for customers issues issues says it all - they don't care. This bank is a scam.

Come is decent. I do wish that I could control the amount available to me in the mypay. I’d like to be able to decrease the limit on my own. If that were to happen there should also be a waiting period in between changing the limit.

Very easy to use. They have many saving options. Their interest is higher then most brick and mortar banks

I have been a customer of Chime sine January 2019 and have been mostly satisfied with the service. I especially have found the app very easy to use. Today, I received a notice that my checking account would be closed in one month. No explanation given. I called customer service and still was not given a reason, just that I should transfer my money.

I am very on the fence still about Chime as they allowed someone to steal money from me and did nothing to resolve this even when I provided physical proof I was at work when my card was used in a separate state. It still leaves me concerned this will happen again at a much higher rate and I will just be screwed bc Chime allows theft. They are very lucky I can’t afford a lawyer bc having physical proof I was in a completely different state clocked into my job would win me the case easily. Everything else is great from the app use to the perks of credit building , getting paid early and other spotme and cash back incentives. It has helped me raise my credit significantly but there needs to be more effort to get peoples money back to them when it is stolen.

I love chime it gives me alot of financial opinions an builds my credit its helped me reach goals with realistic expectations anyone trying to rebuild your credit from a not so good past this is a great option

All Good! Better than traditional banks!!

I am satisfied with Chime banking...I get paid 3dsys early...I dont have overdraft fees...I can borrow of o need too...im satisfied 9/10..

Chime is the worst online banking service that I have ever used since my Simple bank closed. My main complaint is their customer service. Which has been out sourced to another country where you can’t get any help about information on your account if there’s any problems or need additional information. They consistently just read you a script trying to try to put customers at ease without actually answering the question and try to get you off the phone. Not like an actual banking center here in the US that actually cares and listens for a resolution. And they like to down grade accounts without notice about banking services that were already established if they think there’s no direct deposit on the account. I been with Chime for years and had direct deposit set up. But because I’m on medical leave, they down graded my features on my account and sent no notice or even reached out for additional details. They also mislead their services and products to customers. You have to read the fine print for services. There’s also another concern I have about Chime but have no actual proof yet to accuse them of yet but have suspicions. I’m not satisfied! Online banking services could learn a few things from Simple Bank when they were around! Trust me when I say, real banks are so much better! And I use to work for one.

Chime has several entities which allows any person the opportunities to save, invest and capitalize from banking with them. The three most phenomenal entities Chime offers is Spotme, My pay and free over-spending withdrawal. Im hooked and committed to staying right here with Chime.