# Chime Reviews 2026. Verified Reviews, Pros & Cons | Capterra

> Is Chime the right Mobile Banking solution for you? Explore 103 verified user reviews from people in industries like yours to make a confident choice.

Source: https://www.capterra.com/p/228456/Chime/reviews

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Chime

4.6 (103)

[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/)

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Last updated April 1st, 2026

# Reviews of Chime

Ease of use

4.7

Customer Service

4.3

## Pros and Cons in Reviews

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

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

DC

Destiny C

OwnerArts and Crafts, 2 - 10 employeesUsed the software for: 1-2 years.

“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!“

October 24, 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

Krystal W

Online marketingMarketing and Advertising, Self-employedUsed the software for: 1-2 years.

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

June 20, 2024

TH

Todd H

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

“They won't help me troubleshoot and determine why it is not longer working. “

April 13, 2024

RG

Renee G

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

“The mobile app is user-friendly and makes it easy to check balances, transfer money, or get alerts.“

May 14, 2025

Na

Natasha a

OncologyMedical Practice, Self-employedUsed the software for: 6-12 months.

“Opening chime dropped my credit score by 60 points.“

November 6, 2024

## Showing most helpful reviews

Showing 1-25 of 103 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

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

TD

Trenton D.  
Host  
Online Media  
Used the software for: 1-2 years

### "Chime Review"

October 10, 2024

3.0

Overall chime is great if you need a side account to move money through, looking to build your credit score. You can also receive your paycheck early after a certain amount of money has been deposited. Unfortunately the response of customer service is a big thing for me and that’s honestly why I decided to close my accounts

Pros

The flexibility of moving money between accounts

Cons

Customer service was very frustrating when it came to solving issues with my accounts

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

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

AW

April W.  
Administration  
Retail  
Used the software for: 1-2 years

### "Five stars here! "

December 16, 2024

5.0

I've had chime over a year. Since changing I have no problems with my money missing or debit/credit and deposits missing. My money is always there and even when late they notify you via email with a reason and apologize! What other app does this? NONE!

Pros

I love CHIME more than any other app. Credit Builder amazing. My credit jumped through hoops using this card

Cons

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? Fair for one is for all??

Switched from

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

Cash app was a disaster and once hacked always hacked. I will never regret chime!

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

DC

Destiny C.  
Owner  
Arts and Crafts  
Used the software for: 1-2 years

### "It's Chime Time"

October 24, 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

NF

Nathaniel F.  
Owner  
Construction  
Used the software for: 1-2 years

### "Great mobile experience!"

June 13, 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

WD

Willo D.  
Cashier  
Consumer Services  
Used the software for: 6-12 months

### "Chime bank"

February 26, 2025

5.0

Great!! I would do it again ten times over.

Pros

The different options in account types. They allow and help you to build your credit.

Cons

There is Nothing i can think of at this moment.

Review Source

MB

Miranda B.  
No job title  
Banking  
Used the software for: 6-12 months

### "I Love Chime"

August 24, 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.

Switched from

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

I need more security than Cash App provided.

Review Source

EM

Emma M.  
Machine operator  
Warehousing  
Used the software for: Less than 6 months

### "My money from work "

August 30, 2024

5.0

It is awesome and it’s so easy and I get paid early and if I need a spot until payday they spot me

Pros

I use chime for my direct deposit and it’s wonderul

Cons

Nothing I don’t like so far it’s been nothing but good and reliable

Review Source

IJ

Ikiera J.  
Call center  
Transportation/Trucking/Railroad  
Used the software for: 1-2 years

### "Chime Reviews "

February 22, 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

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

WS

William S.  
Owner  
Cosmetics  
Used the software for: 2+ years

### "Free checking plus perks. "

November 5, 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

Jonas A.  
Owner  
Health, Wellness and Fitness  
Used the software for: Less than 6 months

### "Difficulty with transfer of funds"

December 15, 2021

1.0

Overall poor experience. It was the opposite of user-friendly. I'm very tech-savvy and no stranger to setting up things like this. The difficulty of use was what led to me closing it.

Pros

I'm a fan of online banking and was previously a Simple customer. I tried Chime since Simple was closed (bought).

Cons

I could not get money transferred into the account because of the name that was on my other bank account. When they returned the money that was deposited from another bank ($3,000). They told me it was out of their hands since it had been returned. This was over 7 business days. I did not get to experience any other features of this bank because it would not accept transfers from my other bank account and after getting $3,000 tied up once I decided to close my account instead of continue to go back and forth with it.

Review Source

JH

Johnny H.  
Production Worker  
Warehousing  
Used the software for: 2+ years

### "Chime is the best online banking system "

August 21, 2023

5.0

Pros

I like the fact that it had spot me. Also like the fact that it had a virtual debit card in the app

Cons

That I don’t have a chime bank in my city

Review Source

ER

Edward R.  
House Cleaning  
Hospitality  
Used the software for: 2+ years

### "Chime if you want to Save a Dime"

November 15, 2022

5.0

Pros

It's easy to link to other mobile banking apps like cash app or PayPal

Cons

With Chime they don't offer enough incentives like PayPal or cash app does

Review Source

JG

Jaime G.  
Freelancer  
Retail  
Used the software for: 2+ years

### "Great for everyone"

December 29, 2021

5.0

My overall experience I love the app I like when get my money two days early

Pros

This chime banking app I use for myself i do recommend friends and family on weekly base I enjoy it prefer it then anything else

Cons

The least I like about this app take 3 to 5 busy day to make transfer to someone who doesn’t have chime

Review Source

KW

Kelly W.  
Caregiver  
Hospital & Health Care  
Used the software for: 2+ years

### "Chime is the way to go"

February 17, 2022

5.0

Pros

I love that I am able to get money through spot me and that all my deposits come early. NO FEES

Cons

Nothing. I've been with Chime for 7 years and have never had an issue with them.

Review Source

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