Chime Reviews: 40 Verified Reviews (3.1/5)

ReviewTerminal SummaryBased on recent reviews

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 1 2-star review

Verified

Naomi Sekiguchi

19 May 2026

The "bot" is annoying

The "bot" is annoying. If it can't help with. Couple of questions they should transfer you to a live agent

Frequently asked questions about Chime

Is Chime trustworthy?

Chime is rated 3.1 out of 5 from 40 verified customer reviews on ReviewTerminal — rated Average. 55% of customers gave 4 or 5 stars.

What is Chime's rating?

Chime has an average rating of 3.1 out of 5 based on 40 customer reviews on ReviewTerminal.

How many reviews does Chime have?

Chime has 40 verified customer reviews on ReviewTerminal. Every review is from a real customer and is published without company involvement.

Chime — Review Summary

Based on 40 verified customer reviews, Chime holds an average rating of 3.1 out of 5 — rated Average on ReviewTerminal. 55% of customers gave 4 or 5 stars.

Chime Reviews