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
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.
