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Chime Logo

Online banking software with automated savings

Last updated: October 2024

Chime Pricing, Features, Reviews and Alternatives

Chime FAQs

Q. Who are the typical users of Chime?

Chime has the following typical customers:
Freelancers, Small Business

These products have better value for money


Q. What languages does Chime support?

Chime supports the following languages:
English


Q. Does Chime offer an API?

No, Chime does not have an API available.

Chime product overview

What is Chime?

Chime is a mobile banking software designed to help teams and individuals streamline tax returns, unemployment benefits, paycheck deposits, and government stimulus payouts. It lets users track account balances and daily transactions, receive balance notifications and transaction alerts, and send money to friends and family.

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Platforms supported

Web
Android
iPhone/iPad

Not sure about Chime? Compare it with a popular alternative

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Starting from

ic-pricetag

No pricing info

Free plan
Free trial
Pricing range

Starting from

15500

One-time payment

Free plan
Free trial
Pricing range
Ease of use
Value for money
Customer support
Ease of use
Value for money
Customer support
Why am I seeing this?

Chime features

Functionality

4.6

/5

80

Total features

26

2 categories

Most valued features by users

Third-Party Integrations
Mobile Access
Electronic Payments
ACH Payment Processing
Alerts/Escalation
Authentication
Bill Payment
Cash Management

Functionality contenders

Chime users reviews

Overall Rating

4.6

/5

80

Positive reviews

89

%

Rating breakdown
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend9.06/10
Rating distribution

5

4

3

2

1

63

8

6

1

2

Pros
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.
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.
It has saved me a few times. I believe they have options to help build or improve your credit as well.
Cons
Overall poor experience. It was the opposite of user-friendly.
No actual physical locations to use. Everything has to be online.
Really no one to call for minor issues. It’s all done through chat.

Overall rating contenders

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Nicole K.

Package/Freight Delivery, 51-200 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Chime has been a breath of fresh air

Reviewed 3 years ago

My overall experience with Chime is totally positive. Chime was a breath of fresh air when I had fraudulent activity in my Wells Fargo account. While Wells Fargo was charging me and closing my accounts for something that wasn't my fault, Chime was there for me and allowed me to open my account and continue to bank freely. That was some years ago and I still bank with them today.

Pros

At the moment I am loving the Spot Me feature. It allows my account to go overdraft up to a certain amount, and I can bring it into the positive anytime by simply depositing cash into the account. Also, the monthly Boost feature is a great perk. Send a friend $5 and they can send one back to you. The best part? The $5 doesn't come out of your account, it's paid by Chime.

Cons

The only downfall, would have to be the ATM fees. There is a $2.50 fee for using any ATM that is out of their network. Sometimes, there is no in-network ATM available, or in the area, so I have to use one that charges a fee, which can really add up quickly.

SS
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Shannon S.

Arts and Crafts, self-employed

Used daily for 6-12 months

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend4/10

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Unhappy with Chime

Reviewed 3 years ago

My overall experience was not fun because I never got to use chime sure to customer service not knowing what the difference between authorized and Unauthorized and who should be banned from opening and using a legit account . I never got my chance to use chime the way I needed for to this . Although I would still recommended others to use and I would try again as well because I loved the extras and features.

Pros

What I like most about chime ? The features and upgrade possibilities in the future. Ease of use and navigation. And that it is highly used by people throughout the US.

Cons

What did I like least about chime ? The customer service and their lack of knowledge when it comes to Unauthorized opening and use of an account you have no knowledge of by a unknown person.

TH
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Todd H.

Facilities Services, self-employed

Used monthly for 1-2 years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend6/10

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Notifications Not Working/Customer Service Poor

Reviewed 7 months ago

I like the ease of use; however, if I don't get fund notifications and difficult accessing the the funds and customer service won't help, I can't keep using this service

Pros

Ease of use and mobile access. When it worked, it was great.

Cons

There are problems with the payment notifications and funds showing in the receiver's account. Customer service is of no help, they don't know why it isn't working correctly and keep saying I'm doing something wrong even though I'm doing things the way I always have and it worked for the last 2 years. They won't help me troubleshoot and determine why it is not longer working. They seemed to be trained to say certain things but have no critical thinking skills to help customers solve a problem.

MG
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Monche G.

Graphic Design, self-employed

Used monthly for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend10/10

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Chime is the future of banking

Reviewed 3 months ago

My experience with chime been very good and enlightening on my finances health and habits

Pros

What I like about chime is that it Very convenient and risk free

Cons

One of only cons is That not considered a traditional bank

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Melissa T.

Retail, 1,001-5,000 employees

Used daily for 2+ years

Review source

Overall Rating
  • Value for money
  • Ease of use
  • Features
  • Customer support
  • Likelihood to recommend8/10

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Chime for convenience

Reviewed a year ago

Great & safe mobile/online banking that offers peace of mind & easy functions. A little lagging on notifications but nothing to bad

Pros

It's pretty easy to use & everyone is approved for an account (within the accepted age range). It's credit builder is free & simplistic as are all it's features. Fees aren't exactly hidden but not really posted any where you'd expect to see but even so, most fees are small. Even the mobile check cashing isn't to bad

Cons

Customer service. It's the worst. IF you can reach someone, they act as if they're just as clueless & try to over talk to confuse you until your fed up & say nevermind.

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