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Chime

chime.com
3.2

39 reviews

46%
5-star
56%
Positive
41%
1-star
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ReviewTerminal Summary

Chime has a severely divided user base with a 2.8/5 rating: loyal long-term customers praise convenience and features, while numerous others report critical failures in cash deposit handling, fraud protection, and customer support responsiveness.

What customers love

  • Convenient app features, SpotMe loans, and no ATM fees at partner retailers
  • Reliable for long-term users with multi-year positive track records
  • Fast and easy money transfers for peer-to-peer payments

Common concerns

  • Cash deposits at retailers (especially Walgreens) frequently post incomplete amounts; Chime refuses to resolve or refund missing funds despite documentation
  • Poor fraud protection and dispute resolution; unauthorized transactions are charged despite customer notification, with Chime denying reimbursement
  • Customer support is unresponsive, relies on automated replies, refuses account closures, and transfers calls without resolution

Customers mention

cash deposit discrepanciesfraud and unauthorized chargescustomer support failuresdispute resolutionaccount management issues
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Showing 18 5-star reviews
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Verified
Clarence Hanks
21 May 2026

Great app no issues ever helped my…

Great app no issues ever helped my credit rise most definetly

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Verified
Kimberly West
21 May 2026

Chime is a real lifesaver

Remember the candy called lifesaver? That's what Chime is to me a lifesaver it provides avenues to help me pay bills even when my money is low Chime provides the opportunity for me to stay on top of payments that I other wise wouldn't be able to manage and thanks to Chime my credit is looking better then ever,I'd recommend Chime to anyone that wants a card that really works on the consumers behalf.

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Verified
Lauren Macomber
21 May 2026

I absolutely love Chime

I absolutely love Chime! I recommend their services to my friends and family all of the time. They offer free overdrafting which is not heard of usually, you can earn boost from friends with the same accounts. It's a fun app to open up and check out other things also like your credit score as well.

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Verified
Robert Etherton
20 May 2026

CHIME IS THE BEST

CHIME IS THE BEST. THEY GIVE ME LOANS, I AM PAID WAY EARLY THROUGH DIRECT DEPOSIT 5 STAR ⭐

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Verified
Deirdre Batie
20 May 2026

Chime lets me control my money not the…

Chime lets me control my money not the other way around. My last bank let anyone go into my account and take out money out but with Chime I control who gets paid when I take money out and where my money goes

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Verified
Roger Martinez
20 May 2026

I Love and Trust this app...

I Love and Trust this app... I've had nothing but positive experiences with this app...

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Verified
Chrispennie Pickard
20 May 2026

Chime is great!

Chime is great! It has made my life so much easier. I would and do recommend it to everyone. Thank you Chime! Chris Pickard All departments!

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Verified
Luchini Nowlin
20 May 2026

I have enjoyed Chime

I have enjoyed Chime, since I have switched from banking with Wells Fargo to Chime. I have enjoyed receiving my direct deposit three days early, being able to load cash onto the card and the only downside is you can only deposit cash 10 times but only $5,000. It should have a higher limit with more times to deposit.

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Verified
Sophia Brown
20 May 2026

Awesome

Hey, I like Chime a lot I love getting my check days early like three days early. . I love that if there’s a problem fraud or anything chime is on it. And they will recover your money.

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Verified
cynthia mincer
20 May 2026

I LOVE CHIME!

I LOVE CHIME!! LOVE GETTING MY CHECK EARLY. LOVE THAT YOU CAN BORROW MONEY EASILY AND PAY BACK WHEN YOU GET PAID. VERY HAPPY!!!

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Verified
Zuniga Alexie
20 May 2026

Make my loan payment on chime

Make my loan payment on chime I love this app

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Verified
Shaquan waddy Griffin
20 May 2026

When I'm in need and have a emergency…

When I'm in need and have a emergency chime came threw

O
Verified
owner of Barstool Sports Sucks
19 May 2026

5 years with chime zero issues

5 years with chime zero issues. Credit builder rocks and get no ATM fees with Walgreens. I'll stay with them for life. I also use a local bank account and split my direct deposit. Chime is my side piece mistress.

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Verified
Lucretia Brooks
18 May 2026

Love Chume I've had them for years

Love Chime I've had them for years. From the spot me to the my pay, they are wonderful. Customer Service is impeccable.

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Verified
Najae Johnson
18 May 2026

The best way better than Cash app

The best way better than Cash app

Page 1 of 2 · 18 5-star reviews

Chime — Review Summary

Based on 39 verified customer reviews, Chime holds an average rating of 3.2 out of 5 — rated Average on ReviewTerminal. 56% of customers gave 4 or 5 stars.

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