Is Chime trustworthy?

Chime is rated 2.8/5 from 24 verified reviews — Poor. 46% gave 4 or 5 stars.

What is Chime's rating?

Chime has an average rating of 2.8 out of 5 based on 24 customer reviews on ReviewTerminal.

Chime Reviews: 24 Verified Reviews (2.8/5)

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

Chime — Review Summary

Based on 24 verified customer reviews, Chime holds an average rating of 2.8 out of 5 — rated Poor on ReviewTerminal. 46% of customers gave 4 or 5 stars.

Chime

The "bot" is annoying

Chime — Review Summary

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