Chime has been a huge help for me for the past 5-6ish years I believe. I’ve been using them for a while with direct deposit. They are massive help when you are in a tough spot. Not only do they have the Spot Me fee free feature, they have also came out with the My Pay feature, allowing you to borrow a lump sum of your paycheck before pay day! Fee free! You of course have to build up your limit that you are allowed, but nevertheless it is a massive help in tough spot. It’s absolutely worth building. It did not take me long to max out at all. Another worthy note, you can boost friends in order to raise your Spot Me even higher. It’s such a great way to mobile bank, and I highly recommend it if you’re looking into mobile banking. Although there are some features you won’t get like you would a regular banking account (minimal, such as bigger loans), and VERY RARELY do I come across certain places I cannot use Chime for (because these places do not support it currently) but it’s still definitely worth using in my opinion. There is always hope for future improvements of course. ☺️I will continue to use Chime, and it will be recommended to anyone that may need it or who are searching. Thank you for having mine and millions of others back, Chime! 😁😁a fat 5 stars for you.

Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.

I like Chime for the most part besides the overdraft limit comes in day by day so if you get $500 over draft you technically only get like so much of that overdraft daily starting out it’s like $25 I been with Chime now for over a year and just now getting $50 a day overdraft limit it’s just ridiculous. Especially when you need to pay a bill or get groceries. Rather than that easy to use. I didn’t like a big Money transaction amount of a dispute that was wrongfully charged for a car that was even fixed Chime denied my dispute when I sent in screenshots of text messages receipts documents thru emails pics and videos for evidence and proof I just paid for services that the car place did not fix at all. I even ask them to give me my money back before contacting my bank they said no that they would have a mechanic take a look at it. They lied about test driving it too I didn’t get 2 miles down the road before my engine shot to overheating out of nowhere and almost cause even more damage’s to my vehicle luckily I acted quickly and had to sit for an hour two miles down from the shop to wait for them to bring a tow truck right down the road to bring it back. So future Reference Chime dispute team my claim of my dispute was black and white with all the proof so the fact my bank who holds my money should protect my money at all cost especially for something that is straight up crooked and that didn’t receive services that I had paid for!