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I’ve had Chime for a while now I think nearly 2 years and although it’s not my primary bank it comes in handy for miscellaneous things plus it syncs with Cashapp. Recently Chime had a technical problem that kept account holders from making purchases and accessing their accounts i.e. their money. Social media erupted and the customer service number was overloaded with calls to the point they stopped taking calls. Yes it was frustrating and embarrassing for a lot of people attempting to use their cards which they knew had money in their accounts. However as a great way to show their customers they care, Chime took full accountability and made some very generous options available to those that were affected. We are quick to write a review when an experience is bad but Chime deserves a five star rating not only for meeting my expectations since being a customer but the ethical way they are apologizing to their customers for an issue that was clearly out of their control. Some may feel what Chime has offered is not enough for them to be so easily forgiving but ask yourself this...what if they did nothing and continued on with business as usual? I honestly forgot about the fiasco until I saw an email from Chime this morning. Excellent job Chime!!!!
Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with Chime. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in the app, it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.) Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. Chime has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with chime and I hope that it never does. Not revenant to the app or bank- but cashiers at the store always say the card is a cute color lol.
I have been using Chime for years now. My favorite things about this service are spotme (lets you spend 20 dollars past your 0 balance to hold you over in a pinch) sms notifications (texts you whenever money is spent - perfect for tracking automatic payments that come out randomly!) and the UI (easy to read menu/ overall transparency. I have it set up with direct deposit so I get my money 2 days earlier than my co-workers. I can transfer money from this account to any of my other accounts (credit union, PayPal, Venmo) with no fees. I’m just blown away. Haven’t had an overdraft fee since I started using chime. I tell all my friends about it and I hope chime grows to change the way we manage all financial aspects of our lives. I would love a feature that acts as a savings account but locks the money in until you have reached your goal amount. I tend to transfer my savings to my checking regularly but end up with no money at the end of the week. Would love to not have the option to spend my savings! Overall great bank - 5 stars - will continue using for the foreseeable future! Why can’t every bank be like this?
Unfortunately due to a career loss, having to start over and struggling financially for 3 years I had no other choice but to file bankruptcy. I was told by my legal counsel that the bank account I had would potentially freeze my limited funds because one of my credit cards was linked to my checking. They encouraged me to seek a new checking account so I could maintain what money I had. Because my credit was now poor, I was denied by two other banks a checking account. Most big banks now run your credit along with Check Systems to deem you a desirable customer. I researched my options and found Chime on a tech blog. I’m so very glad I found it! It is no frills checking and savings with a super simple app. It’s a traditional debit card in every sense. It’s Visa so you can use it virtually anywhere! Get cash back with groceries. Tons of ATM’s through money pass with NO fees! I know it may not be for everyone, but if you are sick of big banks and all their fees and tactics, I encourage you to give Chime a try. I’m very grateful to have an option like Chime. It saved me a lot of grief at a time when I’m already feeling insurmountable pressure.
I ran into an issue with getting my card delivered (Mishaps on my end) I called customer care and there was no wait time, the representative was friendly and extremely helpful. They expedited a new card for me and voluntarily explained to me ways I can still get ahold of my money until my card gets to me which impressed me. Direct deposit usually takes a few weeks to process but with chime I received my direct deposit immediately and two days ahead as advertised. I have full control of my money without any pesky fees for over or underspending. I lend my card out to trusted family members when in need so I like that when viewing statements, it tells me exactly where my money was spent and how much I spent in the right order vs. banks who abbreviate names, charges are out of order, etc. I have family out of town I had sign up so we can send money right through the chime app! The app offers a map to show you locations where you can withdraw money without any extra charges. It’s so convenient and I couldn’t see myself ever banking with someone else. Highly recommend!
Developed by the Chime Financial, Inc..
Chime - Mobile Banking has 63 209 user reviews.
Chime - Mobile Banking has an average rating of 4.7.
The latest version of Chime - Mobile Banking (5.25.0) was released on Oct 14, 2019.
You can download Chime - Mobile Banking here:.
Chime is one of the fastest-growing bank accounts in the U.S.
No hidden bank fees, get your paycheck up to 2 days early* with direct deposit, grow your savings automatically, and manage your finances like a boss using the Chime mobile banking app.
When you bank with Chime, you get a Visa® Debit Card, a Spending Account, and an optional Savings Account to help you save money. Signing up
is free and takes less than 2 minutes. Welcome to a better way to bank.
Here’s what our members love most about Chime:
• Get your paycheck up to 2 days early with direct deposit*
• No unnecessary fees (no service fees, no foreign transaction fees)
• Over 30,000 fee-free Moneypass ATMs
• No minimum balance requirements
• No overdraft
• Real time transaction notifications
• Daily balance alerts
• Block your card instantly in-app
• Grow your savings automatically with our Savings Account
• Send money to family & friends instantly with Pay Friends
• Deposit checks using Mobile Check Deposit
• Apple PayTM for when you forget your wallet
• Move money between your other bank accounts
• EMV chip card security
• Friendly and responsive customer support
With the Chime mobile banking app, you can stay in control of your money. Track your spending, link your other bank accounts, and save money.
It’s a bank account and debit card built for the digital age. - TechCrunch
Best alternative bank [account]. Unlike other savings apps, Chime doesn’t just want to help save you money — it wants to be your new bank [account]. - Nerdwallet
How to switch banks:
• Step 1: Open Your Account: Download the app and sign up. Once approved, we’ll send you your Chime card within two weeks!
• Step 2: Fund Your Account: Set up direct deposit with your employer to have funds deposited to your Chime account every payday. You can also connect other bank accounts and transfer funds from your existing bank account.
• Step 3: Update Bill Payments: Activate your card when it arrives, add it to Apple Pay, and set up recurring bill payments with your Chime card number or with your Chime account and routing numbers.
Opening a Chime bank account won’t impact your credit score. For more information please visit www.chimebank.com.
Note: Continued use of GPS running in the background can dramatically decrease battery life.
Banking Services provided by The Bancorp Bank, Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
*Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.
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