---
title: "Chime Reviews 2026. Verified Reviews, Pros & Cons | Capterra"
description: "Is Chime the right Mobile Banking solution for you? Explore 104 verified user reviews from people in industries like yours to make a confident choice."
source_url: "https://www.capterra.com/p/228456/Chime/reviews/"
page_type: "reviews"
language: "en"
publication_date: "2026-09-29"
---

Chime

4.6 (104)

[View alternatives](https://www.capterra.com/p/228456/Chime/alternatives/)

Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/)

* * *

Last updated September 29th, 2026

# Reviews of Chime

Ease of use

4.6

Customer Service

4.3

## Pros and Cons in Reviews

JM

Jazzmen M

Home health aidHospital & Health Care, 51 - 200 employeesUsed the software for: 1-2 years.

“I love that chime can boost your credit just from deposits and spending money on house hold items and bills.“

June 28, 2026

Josh L

Self employedRetail, Self-employedUsed the software for: More than 2 years.

“The hung up on when I called customer service after they took my money and changed my mypay rate without a single notice but have no problem letting me know when they’ve raised it.“

April 27, 2026

JP

Jessica P

Administrative AssistantHospital & Health Care, 201 - 500 employeesUsed the software for: More than 2 years.

“I love that Chime has the SpotMe feature. Where it allows me to go over a purchase of five dollars and chime will make sure the money is there and when you get the money you pay it back it’s pretty amazing charm.“

September 5, 2025

AW

April W

AdministrationRetail, 2 - 10 employeesUsed the software for: 1-2 years.

“I don't like the fact every chime account isn't able to get the early pay and spot me bonus. If you have deposits meeting the amount what disqualified you?“

December 16, 2024

JW

John W

HRConsumer Services, 51 - 200 employeesUsed the software for: Less than 6 months.

“I initially was only signing up to help a friend with a referral but there are so many features and with no fees, I have made Chime my primary bank card.“

January 23, 2025

Josh L

Self employedRetail, Self-employedUsed the software for: More than 2 years.

“They steal money from military veterans and charge fees when they claim they don’t.“

April 27, 2026

IJ

Ikiera J

Call centerTransportation/Trucking/Railroad, 5,001 - 10,000 employeesUsed the software for: 1-2 years.

“I love the colors the app chose for the app, I love how I can see when & what time my direct deposit hits the account & I live the overdraft protection on it, I was able to overdraft $100 on debit card and get upgraded to a chime credit card as well that has a metal green metallic feature“

February 22, 2024

RG

Renee G

OwnerHospitality, Self-employedUsed the software for: 1-2 years.

“However, there are a few downsides. Since Chime is completely online, there are no physical branches, which can be frustrating if you need in-person help.“

May 14, 2025

## Showing most helpful reviews

Showing 1-25 of 104 available reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

R

Reviewer  
Home health aid  
Used the software for: 1-3 years

### "Credit fantastic"

July 1, 2026

4.0

Pros

I love that chime can boost your credit just from deposits and spending money on house hold items and bills.

Cons

I least like that if you owe any money after borrowing it they will snatch any money and also it will shut down the account

Review Source

R

Reviewer  
Self employed  
Used the software for: 3-5 years

### "To hell with chime."

April 30, 2026

1.0

Hated very second. The hung up on when I called customer service after they took my money and changed my mypay rate without a single notice but have no problem letting me know when they’ve raised it. They lie, do not use.

Pros

Nothing they’re the absolute worst. They won’t tell you when they’re changing your rate and take your money.

Cons

Everything. They steal money from military veterans and charge fees when they claim they don’t. They have little to no free atms.

Review Source

R

Reviewer  
financial analyst  
Used the software for: 1-3 years

### "great online bank, no charges at all for regular accounts"

April 10, 2026

4.0

Many banks offer free accounts, but you have to do something to kre it free, usually either direct deposit, or deposit every month. Chime is always free. You can also get a sign-up bonus for opening a new account.

Pros

no minimum, no mandatory transactions. Use it or not use it, your account is free. Early payday. If your payday is on Friday, it becomes Wednesday. Many ATMs in their network at no charge

Cons

its online only bank, therefore \*No physical banks, so you can't have your favorite banker, who will explain everything. (so limited customer support) \*You cannot get physical bank services like bank check \*I do not believe there are joint accounts, and definitely no custodian account.

Review Source

R

Reviewer  
Stocker  
Used the software for: Less than 1 year

### "Great bank to use!!!!"

February 24, 2026

5.0

I really do love it because it has no overdraft fee what so ever because not all the time I have money to pay for it

Pros

I really do love chime because this is the only bank that i put my check for my pay check for work..

Cons

To be honest I really do like chime it has no cons to it in my opinion because i haven’t had any problems with it so far

Review Source

R

Reviewer  
Eligibility Screening Rep  
Used the software for: Less than 1 year

### "My Chime Experience "

December 1, 2025

4.0

Overall, my experience with Chime was great. I received my Chime card not too long after creating my account.

Pros

I like chime because at the time i didn’t have an open account at a local bank. I could use it for sending and receiving money.

Cons

I dont have anything bad to say about Chime. I was able to set up the account with ease and was able to receive money.

Review Source

R

Reviewer  
Owner  
Used the software for: 1-3 years

### "Great mobile experience!"

November 28, 2025

5.0

Pros

Chime made it simple to open an account online with minimal verifications. All i needed was my email, phone number, date of birth, and social security number to open an account online.

Cons

I have no complaints about chime. I love their online banking experience. I can easily mobile deposite any checks into my account and pay my bills online.

Review Source

R

Reviewer  
Owner and creator  
Used the software for: Less than 1 year

### "Chime.comisthebest.com"

May 26, 2025

5.0

My overall experience with chime has been nothing short of blew my socks right off. I enjoy the ease, the money saving features and that I can send and receive money just as I would with PayPal.

Pros

Sounds simple but what I like most about chime is how beautiful the not one but two cards look and feel.

Cons

What I like least is, why didn't I know about this bank years ago 😞. And this is exactly why I've been recommending chime to everyone and their brother 🙂 no joke I have.

Review Source

R

Reviewer  
Owner  
Used the software for: 1-3 years

### "Simple Banking, but Not Perfect"

May 15, 2025

5.0

Overall, Chime works well if you want simple banking with fewer fees, especially if you do everything online. But if you need more traditional banking features or fast help with account problems, it might not be the best fit.

Pros

Chime is a good option if you're looking for a basic, no-fee online bank. Signing up is easy, and I liked that there are no monthly fees, no overdraft fees (if you qualify), and you can get your paycheck a couple of days early with direct deposit. The mobile app is user-friendly and makes it easy to check balances, transfer money, or get alerts.

Cons

However, there are a few downsides. Since Chime is completely online, there are no physical branches, which can be frustrating if you need in-person help. Customer service is okay, but sometimes it takes a while to get issues resolved. Also, depositing cash can be inconvenient, since you have to go to a third-party store that may charge a fee.

Review Source

Verified Reviewer  
Owner  
Used the software for: Less than 1 year

### "Chime:The easiest, cheapest, and 100% safest online banking service around."

May 6, 2025

5.0

I 100% love everything about my banking experience with this online bank. How easy it is to use and understand and I would absolutely refer this to all my friends and family.

Pros

It's easy to to send/receive money, it's a free online banking service, everything about it is easy to use and 100 % safe. And it also has a great credit building program as well.

Cons

The only downside I could find, which didn't bother me at all, was of course being an online bank there is no physical branches available.

Review Source

Destiny C.  
Owner  
Used the software for: 1-3 years

### "It's Chime Time"

October 29, 2025

5.0

Overall, my experience with chime has always been flawless fro. My 1st time using & every time I've used it since! It was love at 1st use & I will be the 1st to refer other people to this app any time theyre looking for a new digital banking solution!

Pros

My favorite things about Chime are the user interface & the ability to move money from account to account with total ease. Being able to have a checking account & a savings account both in 1 application makes it easy to keep track my transactions & to be able to put money back in case there are times when a few extra bucks could really come in handy! I also really enjoy being able to send other people money & requesting it, as well.

Cons

Honestly, there aren't a whole lot of things about chime that i didn't like! I enjoy the applications overall usefulness & convenience!

Review Source

JP

Jessica P.  
Administrative Assistant  
Used the software for: 3-5 years

### "Chime is how you should be banking!"

September 8, 2025

5.0

My overall experience with chime has been great. I’ve been able to send money, save money and make money all in one app.

Pros

I love that Chime has the SpotMe feature. Where it allows me to go over a purchase of five dollars and chime will make sure the money is there and when you get the money you pay it back it’s pretty amazing charm. Also has a feature where you can send your friends $5 boots every month just for being there, which always makes for a good day.

Cons

I can’t think of many things that I don’t like about chime. It has everything you need in a bank account and more.

Review Source

Scott C.  
Software Reviewer  
Used the software for: 3-5 years

### "Chime Cha ching!"

March 13, 2025

5.0

My overall experience with chime has been a wonderful experience I would recommend this app to everybody I try to because they pay you if someone signs up

Pros

Chime is my go-to banking app it is my primary app for my banking needs I love the fact that I get paid early with it It's a very convenient app

Cons

I don't really have any problems with chime there's more Pros than cons that's for sure I guess it could be a little bit more user friendly that's the only Con I can think of

Review Source

R

Reviewer  
Bank  
Used the software for: 1-3 years

### "Try it, its nice."

March 24, 2025

5.0

Pleasant, easy. Good customer services too!

Pros

Ease of access, and the spot me was really nice feature too

Cons

Its online, so you get what you get with that.

Review Source

R

Reviewer  
Milwright  
Used the software for: 1-3 years

### "Cashapp ✅✅✅"

January 21, 2025

5.0

Chimes great, they link to most my other accounts with no problems or hassle if I want , the spot me feature gives a sizable payday advance. Credit builder cards, savings and checking, mobile, it’s the jack of all finance cards.

Pros

It’s rare that a business or institution or a private transaction will decline chime as a payment method

Cons

Speaking to a real person through customer support can be a challenge

Review Source

R

Reviewer  
PSC  
Used the software for: 1-3 years

### "Chime Review"

January 10, 2025

5.0

I've had a great overall experience with chime. I enjoy how when you lock/freeze your card no type of payments will go thru what so ever.

Pros

I enjoy the two day early pay and boost we receive

Cons

how long refund processing takes. it's pretty long.

Review Source

R

Reviewer  
Call center  
Used the software for: 1-3 years

### "Chime Reviews "

February 23, 2024

5.0

I love the app overall, it’s a great way to manage your checking & savings while also building your credit, it’s a great & affordable way to control & oversee finances into great credit health

Pros

I love the colors the app chose for the app, I love how I can see when & what time my direct deposit hits the account & I live the overdraft protection on it, I was able to overdraft $100 on debit card and get upgraded to a chime credit card as well that has a metal green metallic feature

Cons

I don’t like how my direct deposit came at night time sometimes but it did come 2 days earlier so that works

Review Source

VR

Verified Reviewer  
Online marketing  
Used the software for: 1-3 years

### "Chime review"

July 3, 2024

5.0

Pros

I love the Chime spot me as well as the feature to send money to anyone even if they dont have a chime account.

Cons

I dont really have any cons for chime they have never given me any problems.

Review Source

R

Reviewer  
Owner  
Used the software for: 3-5 years

### "Highly recommend"

June 6, 2023

5.0

Pros

All the features are very important to me & I rate them a 5 on chime

Cons

Theres nothing not to like, chimes top of the line when it comes to mobile banking

Review Source

R

Reviewer  
CKE Landscaping LLC  
Used the software for: 3-5 years

### "Chime"

September 19, 2022

5.0

Member for over 3 years and it's the best mobile banking app ive used to date. With flawless quick transfers with cash app, PayPal, Venmo, and numerous other mobile banking apps. Its In my words its the best online banking app of 2022. Proud member GO CHIME!

Pros

My Credit Score was 300's and CHIME Credit Builder Built my credit back up for me just by me transferring to credit builder and in 2 months my score was in 600's. I highly recommend Chime for business and Personal Use.

Cons

None. Completely satisfied with this company, there product service, top notch customer service and best mobile banking experience with the best credit rebuilding tool and service in the industry, making CHIME years ahead of the competition and best in online banking technology

Review Source

R

Reviewer  
Owner operator  
Used the software for: 3-5 years

### "Why I refuse to bank without my Chime. "

March 8, 2024

5.0

Pros

I love the ease of use and access. The ability to look into all aspects concerning my banking transactions just by picking up my phone and opening my chime app.

Cons

I've yet to have any problems with Chime.

Review Source

R

Reviewer  
No job title  
Used the software for: Less than 1 year

### "I Love Chime"

August 28, 2024

5.0

My overall experience with Chime has been very pleasant.

Pros

That it is a checking and savings account as well as helps you build your credit.

Cons

That it five you only a few dollars a day on your my pay account. Other than that is good.

Review Source

R

Reviewer  
Owner  
Used the software for: 3-5 years

### "Free checking plus perks. "

November 10, 2021

5.0

Overall I highly recommend chime for the No fees and extra perks that come with your account.

Pros

Where do I start. Totally free checking. If you have direct deposit you receive pay 2 days faster. Also have a “line of credit” that if you have $5.00 in your account and spend $25, transaction will go through and your next pay, that $20 will automatically come out, with no fees. You also get 4 boosters a month, where you can boost someone line of credit $5 extra a month and vice versa.

Cons

What I like lease is the customer service. Really no one to call for minor issues. It’s all done through chat. And sometime takes days for reaponse.

Review Source

R

Reviewer  
Tester  
Used the software for: 3-5 years

### "Horrible!"

April 19, 2022

1.0

Hated every minute of it!!

Pros

I honestly didn't like anything about chime!!

Cons

I like the least about chime, that no matter what i did or how long i kept the account i lost money but nobody could tell me where it was going!!

Review Source

R

Reviewer  
OWNER  
Used the software for: 3-5 years

### "EXCELLENT PRODUCT"

July 30, 2021

5.0

Pros

I LIKE THAT WHEN EVER A PROBLEM ARISES HOW QUICKLY CUSTOMER SERVICE IS TO STRAIGHTEN IT OUT. I LIKE THAT YOU CAN GET YOUR PAY TWO DAYS AHEAD. ITS SO EASY TO TRANSFER FROM ONE CHIME MEMBER TO ANOTHER.

Cons

NOTHING I CAN SEE THAT I DISLIKE ABOUT THE PRODUCT

Review Source

R

Reviewer  
Paint Associate  
Used the software for: 3-5 years

### "Great mobile bank"

October 17, 2022

5.0

Pros

Everything is great. Deposits are super fast. The card works great. Sending money is super easy.

Cons

I had absolutely no issues with Chime. It’s been awesome

Review Source

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