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Chime – Mobile Banking

(87 895)
Price
0
Category
Finance & Lifestyle
Last Update
May 12, 2021
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Store Performance Index

64%

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Ratings & Reviews performance for Chime – Mobile Banking

Ratings & Reviews performance provides an overview of what users think of your app. Here are the key metrics to help you identify how your app is rated by users and how successful is your review management strategy.

Number of reviews,
total

87 895

Avg rating,
total

⭐4.7

Description

3788 chars

Chime offers mobile and online banking through its banking partners with no hidden fees‡. Overdraft up to $100* with no fees, get paid up to 2 days early with direct deposit^, and grow your savings instantly with purchase round ups and an optional High Yield Savings Account (get up to 0.50% Annual Percentage Yield‣ ). Save, spend, and manage your finances with the highly rated Chime mobile banking app. Chime is a financial technology company. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC Here’s why millions are banking through Chime… FEE-FREE OVERDRAFT With SpotMe, eligible members can overdraft up to $100* on debit card purchases with no fees. It’s like overdraft protection, but better. GET PAID 2 DAYS EARLY Get your paycheck up to two days earlier^ than you would with some traditional banks with direct deposit. Deposit paychecks, unemployment benefits, government stimulus payouts, and tax returns into your Chime account. NO HIDDEN FEES‡ A bank account shouldn’t cost you money. Chime has no overdraft fees, no monthly maintenance fees, no minimum balance fees, no foreign transaction fees, and no minimum deposit required. Plus, over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance SAFE & SECURE Your security is our top priority. Chime sends you instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications, so you always know what’s happening with your money. Instantly block your card if it goes missing or you suspect unauthorized use. SAVE WHEN YOU SPEND Save When You Spend automatically rounds up transactions to the nearest dollar and transfers the Round Up from your Spending Account into your optional Savings Account. PAY FRIENDS WITH NO TRANSFER FEES Send money to friends, family, or roommates with no transfer fees. Different from other peer to peer payments apps, money is deposited into their Chime Spending Account. For more information please visit www.chime.com. ––––– ***Learn how we collect and use your information by visiting our Privacy Policy at https://www.chime.com/privacy*** Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. Debit card may be used everywhere Visa debit cards are accepted. ‡Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply. *SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. For more information, visit: https://www.chime.com/policies/bancorp/spotme_terms. ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ‣The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

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User reviews affect conversion to installs and app rating. Featured and helpful reviews are the first to be noticed by users and in case of no response can affect download rate. This is why it is highly recommended to reply to them.

RaH$$$
Nov 15, 2019

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!!!!

Djdtay
Jan 16, 2020

I wouldn't give chime a 5 star rating because they're are a few issues that needs to be addressed and think bank would be perfect There is a problem with the dispute process as a bank and having a visa debit card the consumer should be backed by visas zero liability on any unauthorized/fraudulent transaction we live in the digital age it happens🤷🏼‍♂️ Another thing Direct deposit shouldn't be the only funding method that is honored other factors like how long someone has been a customer and what theyre balance is at the beginning of every month to be eligible for all chimes features like check deposits and spot me. Chime is in the position to change the way we all bank so addressing these issues would be in the institutions best interest last but not least chime should offer a form of credit as in a secured card or a short term loan or a low balance credit card real people use chime and real people work and sometimes need a little extra spot me is good great work but a more traditional credit option would be better other than that chime is a very good way to go and i would advise anyone that is a average working american to at least use chime as a second bank option i use it as my primary banking option but it does lack traditional features like direct ach transfer blank checks cashier checks credit if chime fixes these issues everyone will have this bank trust me

cmb101009
Sep 07, 2019

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.

Dhmacf
Jun 07, 2018

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.

lliicciiaa
Jan 20, 2020

They do not follow their terms & conditions, they do absolutely whatever they want and get away with it because you’re just one customer and they’re a big bank. Spotme terms & conditions clearly state that you need *MONTHLY* direct deposits of over $500 in order to qualify. I check my statements monthly, and my deposits are always well over $500. My most recent check on Jan 12 was less than $500- i was expecting that since it was from Christmas/New Years and my job is always slow around then. Well because of that, my spotme was turned off and now the app is harassing me to “set up direct deposit”. It would’ve been nice if they waited until the end of the month, when my monthly deposit would’ve been well over $500 again. Don’t ever bother reaching out to support, both people I talked to sent me the exact same email, word for word, that had nothing to do with what I asked. When I replied saying that’s not what I asked, I received the same email AGAIN. They’re very unprofessional, if you have a lower check than usual they’ll assume you’re not depositing your entire check and turn off spotme, and if you don’t tip them (never heard of having to tip a bank??) they won’t care about what you have to say or any problems you experience with them. When I asked if I had tipped for using spotme, would this happen and their response was “probably not”. So now I’m signing up for a new bank and my balance will sit at -$45.

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About Chime – Mobile Banking

Developed by Chime Financial, Inc..

Chime – Mobile Banking is ranking in   Finance & Lifestyle

Last update was at May 12, 2021and the current version is 5.75.0.

To see all other keys and revenue click here 836215269

Chime – Mobile Banking have a 87 895a user reviews.

Chime – Mobile Banking was released in the App Store. It is developed by Chime Financial, Inc., who have also released the following apps.

Chime – Mobile Banking has 87 895 user reviews.​

Chime – Mobile Banking has an average rating of 4.7. ​The latest version of Chime – Mobile Banking 5.75.0​ ​​was ​released on May 12, 2021​.

You can download Chime – Mobile Banking ​here

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