Being on a fixed income I had to make a choice and that's when I heard about Chime. I tried emailing but all I received was... “We experienced intermittent issues with our mobile and web services. If you're on the fence I say go for it. The app even shows you where they are located in your area. Well no bank in the world ever gets an excellent review from all its customer. I love banking without fees, getting my deposit up to two days early, and being able to categorize my spending. You’re often paid in cash but want an online bank account. I know some people may not have had the best experience, but for me I haven't had the first problem and I foresee a very long financial relationship with them. Chime does NOT hold my deposit. Just hand the cashier cash, and they can load it directly to your debit card. Its location on this page may change next time you visit. Just remember you need to read the service contracts and agreements for everything you use, especially your bank. But because Chime is a technology company, its mobile app is easy to use and lets you manage your money on the go 24/7. Some months are 30 days, some 31. I sent an email to Chime Support to ask if my completed form was received. This has turned out to be a terrible company to do banking with on top of them not having a live customer service representative to talk to directly when customers have concerns such as this. The Chime Savings Account is a federally regulated savings account, so it’s subject to any withdrawal limits the Federal Reserve sets (unlike that of many online banking competitors, which use checking accounts as savings vehicles). I had been using auto pay to pay some bills, but with auto pay companies aren't very consistent at pushing those debits through on exact days. They still managed to withdraw money out of my Chime account. No ATM fees when you use in-network ATMs. Chime offers a lot of great little perks that make my life a little easier. A link has directed you to this review. Chime is an online banking app that offers banking solutions on a smartphone. Chime honored the visa 0% liability promise and within a week the money was back into my account. I disputed the charge back on 11/5/2020. The 23rd came and I still did not see a provisional credit or any email from chime. I called today 11/24. We’ll start sending you the news you need delivered straight to you. Chime’s checking option, or “Spending Account,” is a pretty basic product: It’s a non-interest-bearing deposit account linked to a debit card. You prefer the personal touch and physical location of a traditional bank. How do I know I can trust these reviews about Chime? I've even talked a few people into giving them a go. Budgeting tools, for example, are a helpful way to reframe your finances, which banks of all types are increasingly working into their suite of digital tools. I received a letter with a W-9 form for me to complete earlier this month, because there was a discrepancy with my last name. Plus, it is so easy to use and navigate. Spread the love. I've been a Chime … You prefer the easy access and mobility of online banking. You really dont have a whole lot to lose. When these auto payments would go through it'd cost me $35 each time they'd bounce. We appreciate your patience as we are experiencing extremely large contact volumes and we may take longer to get back to you than normal.” 12hrs later and nothing! It was created by Chris Britt and Ryan King in 2013. I removed all information from their app before I closed it out. All Rights Reserved. No minimum deposit is required, but you can link an external bank account at this time (or any time) to transfer money into your new Chime account. The overall rating of the company is 2.2 and consumers are mostly dissatisfied. As long as your direct deposits and paybacks are consistent your Spot Me will always be there to help. Thanks Chime. 1 thing you look for in a bank. Please be … Chime also has a presence on Instagram, Twitter and Facebook, though these channels probably aren’t appropriate for asking questions about your private account. And I had my account hacked once for $250. Digital-first bank accounts are the wave of the future: all of the money management, none of the getting off the couch. Mind you I disputed this charge back in July. Chime Savings Account review … I lost my card and had a replacement one within a week. The only problem I've ever had with Chime was a deposit that didn't come two days early, like usual, but that's not a guarantee. Because more than 70% of you said you visited a physical bank branch last year, we consider the number of brick-and-mortar locations. I've even been able to start saving a little. This is very unprofessional when dealing with someone's money being held up for Chime's mistake. As with all online bank accounts, Chime’s convenience factor is relative: If you’re looking for the brick-and-mortar banking experience, you’re barking up the wrong (money) tree. Chime doesn’t offer small business banking accounts or financial services. Chime Bank Review; Top Reads. I’m a single mom with no other accounts to depend on. Every single one. See reviews below to learn more or submit your own review. It’s an online bank, NOT A REAL ONE. Reading Time: 2 minutes. I have always been able to find an atm that accepts Chime...wherever I am at. Honestly, screw Chime. Chime will never call you and ask you for your card information....they already have it!!