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I’m very happy with no overdraft or monthly fees. I’ve referred people and we both got 50 dollars, also you get paid early. Someone tried to steal my data and they declined it because it was over the limit. I was in a panic and didn’t want to order a new card yet because I was on vacation but I could go into the app and turn transactions off and just turn in back on when I needed to use it. Another thing I liked about it was that I have a family plan for a cell phone bill and my sister was able to send me the funds to cover her portion and I received it immediately. I guess the only downside I can think of is if you need to deposit cash you have to take the cash to one of the stores listed. The one I picked was dollar general and they charged me 5 dollars to deposit my own money. The way around this is if someone gives you cash through the chime app then you don’t have to worry about that. Through my employer I just do direct deposit so no issues there. Another is customer service only available through chat through the app. It’s sometimes hard to get people to understand you through text or email. Sometimes you just want to talk to someone over the phone or face to face. Other than that it’s been pretty good thus far.
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’ve had an account with Chime since they began. And I have yet to have a complaint. The app is kept updated and runs very smoothly. I like the auto savings feature. I do wish there was an interest gathering savings and more banking features like loans etc but it’ll come I’m sure. Many companies have followed Chime to online banking (which I believe will take over banking and do away with brick and mortar banking eventually)but none of the others are quite as well established. I’ve referred many people to chime and they’ve done away with their banks and rely solely on chime too. I haven’t seen rewards and bonuses lately like once would surprise me. But there are offers and a few discounts available. And I dislike how I have to enter my pin every time I move away from the chime screen. Even to go back n forth to copy/enter routing number account number on another app and go back to chime, even when I didn’t close it out. But it’s fine also. Their customer service is outstanding. And security has never been an issue. I have nothing negative to say about Chime.
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.