---
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"
---

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 August 20th, 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

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

OP

Oleg P

financial analystBanking, 10,001+ employeesUsed the software for: 1-2 years.

“You can also get a sign-up bonus for opening a new account.“

April 10, 2026

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

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 Reviews

Sort by:

Most Helpful

Rating

Company Size

Reviewer's Role

Length of Use

Frequency of Use

Desiree Estelle S.  
Owner and creator  
Apparel & Fashion  
Used the software for: Less than 6 months

### "Chime.comisthebest.com"

May 7, 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.

Switched from

[Chase App](https://www.capterra.com/p/176211/Chase-App/)

All the benefits chime has over other online banks is what swade me to switch from my old bank to chime. And I'm not looking back.

Review Source

RG

Renee G.  
Owner  
Hospitality  
Used the software for: 1-2 years

### "Simple Banking, but Not Perfect"

May 14, 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.

Switched from

[Venmo](https://www.capterra.com/p/222572/Venmo-/)

Chime offers a credit building card and I'm trying to build my credit back up

Review Source

Josh L.  
Self employed  
Retail  
Used the software for: 2+ years

### "To hell with chime."

April 27, 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

JM

Jazzmen M.  
Home health aid  
Hospital & Health Care  
Used the software for: 1-2 years

### "Credit fantastic"

June 28, 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

VR

Verified Reviewer  
Owner  
Automotive  
Used the software for: 6-12 months

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

May 4, 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.

Switched from

[Cash App](https://www.capterra.com/p/246167/Cash-App/)

Because it better satisfied my needs and I think it is definitely 100% more safer and protected.

Review Source

Joshua B.  
CEO  
Construction  
Used the software for: 1-2 years

### "Thank you Chime."

January 28, 2025

4.0

Went to leave work one evening, went out to my truck to leave and realized my windshield was busted. Just so happens I had less than a hundred dollars in the bank. " New windshield is $340". Thanks to Chimes borrow feature, I was up and going before the day was over.

Pros

Chimes $5 boost is a handy asset. when your in a tuff spot. Chime has your back. $200 loans untill payday is also a perk Love the accessibility of being able to borrow money when I need it.

Cons

The app lags quite often. I've installed it on numerous devices. The same issue occurs.

Switched from

[Earned Wage Access](https://www.capterra.com/p/10018734/Earned-Wage-Access/)

Lack of required features, Poor customer service and monthly fees for account use.

Review Source

JP

Jessica P.  
Administrative Assistant  
Hospital & Health Care  
Used the software for: 2+ years

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

September 5, 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

OP

Oleg P.  
financial analyst  
Banking  
Used the software for: 1-2 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

Royce C.  
Software Reviewer  
Telecommunications  
Used the software for: 2+ years

### "Chime Cha ching!"

March 12, 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

FC

Fernell C.  
Stocker  
Supermarkets  
Used the software for: 6-12 months

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

January 17, 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

BP

BRITTANY P.  
Owner  
Retail  
Used the software for: 1-2 years

### "LOVE CHIME!!! "

July 2, 2025

5.0

I have nothing but good praises to chime my favorite banking app. They help with ally financial needs

Pros

I like the most is they spot you even if you don't have direct deposit, it's only $5 but it helps when you really need it.

Cons

Honestly I can't think of anything they do that's bad or I dislike. Maybe the fact that you have a$25 limit to transfer some times.

Review Source

NB

Nicholas B.  
Milwright  
Automotive  
Used the software for: 1-2 years

### "Cashapp ✅✅✅"

January 20, 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

dM

damaris M.  
PSC  
Hospital & Health Care  
Used the software for: 1-2 years

### "Chime Review"

January 9, 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

AR

Amy R.  
Server  
Food & Beverages  
Used the software for: 2+ years

### "Use Chime for a seamless, efficient banking experience!"

January 20, 2023

5.0

Chime has been absolutely wonderful for everyday online banking, budgeting, bill paying, and for building my credit with the credit building card. Every feature is carefully thought out, and they ensured that execution of tasks is easy on consumers.

Pros

Chime is super easy to use! Using my debit card, viewing transactions, and transferring money is all speedy and easy. They even have an option to get a credit building credit card for those needing to boost their credit score.

Cons

I have zero complaints. The team at Chime really thought of every last thing I could want or need, and they make it a seamless experience.

Review Source

EJ

Eric J.  
Welder  
Primary/Secondary Education  
Used the software for: 2+ years

### "Chime the new GOAT in mobile banking"

October 20, 2022

5.0

Chime has become a necessary and integral part of my day to day life it's an excellent software

Pros

The ease and integration of the credit builder checking and saving and external accounts also spot me feature is extremely easy and seemless and extremely useful

Cons

I honestly have no definitive cons I've experienced using chime I absolutely love this software

Review Source

EK

Ekuri K.  
Home health assistant  
Hospital & Health Care  
Used the software for: 2+ years

### "My mobile savior"

August 16, 2022

5.0

Pros

I love the ease in which I can see payments as well as the spot me action where I can overdraft up to 90 dollars when I need it.

Cons

I don’t have any cons to the app other than maintenance when the app shuts down and sometimes transactions don’t go thru.

Review Source

AH

Amy H.  
Owner  
Retail  
Used the software for: 2+ years

### "Chime is the best bet!"

April 4, 2024

5.0

Pros

No monthly fees, no overdraft fees, no minimum balance, and no transfer fees.

Cons

Nothing. Chime is a great asset to any business or even your personal accounts.

Review Source

NO

Nicky O.  
Independent Stylist  
Textiles  
Used the software for: 1-2 years

### "Chime is easy to use "

March 29, 2024

5.0

I have always had a great experience with Chime. Never had an issue yet.

Pros

The easiest money app I have ever used. It’s trustworthy as well. I have a debit and credit card with Chime.

Cons

There is nothing I don’t like about Chime! I have never had issues.

Review Source

CS

Candace S.  
Assistant  
Fishery  
Used the software for: 2+ years

### "Amazing bank"

April 7, 2024

4.0

Pros

My deposit go on my account in just seconds. The help is amazing.

Cons

Just wish they would make it easier to get cash advance easier..

Review Source

RW

Regan W.  
Customer service representative  
Retail  
Used the software for: Less than 6 months

### "My chime experience!"

November 21, 2022

5.0

My overall experience has been great. They have great customer service as well! I recommend chime to everyone.

Pros

I love everything about chime. They have everything you need. Transaction history, cash management, savings, real time where you are able to see exactly how much you have and have spent. It’s easy and convenient. I love chime!

Cons

I don’t have any complaints. This banking app is great, and I will most definitely keep using!

Review Source

Chelsey V.  
Tester  
Market Research  
Used the software for: 2+ 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

MIA H.  
OWNER  
Accounting  
Used the software for: 2+ years

### "EXCELLENT PRODUCT"

July 29, 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

ES

Eric S.  
Paint Associate  
Retail  
Used the software for: 2+ years

### "Great mobile bank"

October 14, 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

JH

Jocelyn H.  
Owner  
Apparel & Fashion  
Used the software for: 1-2 years

### "Stay attentive "

February 15, 2023

2.0

Ok until I realize they don’t honor fraud claims

Pros

Receive benefits early from your provider

Cons

They let anyone take your money your funds is exposed

Review Source

JP

Jordan P.  
Homemaker  
Individual & Family Services  
Used the software for: 1-2 years

### "Great software!"

June 30, 2021

5.0

Chime has allowed me to use banking again. It has truly reinvented banking!

Pros

This product was very easy to use! It’s pretty much flawless. The SpotMe feature is awesome, also. It allows the user to over draft, and repay when the user gets the next deposit. Very convenient and easy to transfer money. The credit builder feature is the best. Build your credit along the way! My credit has increased over 100 points in the past year!

Cons

The only con I can think of, is once you lose the credit builder card, there’s no option to order a new one.

Review Source

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