American neobank providing fee-free mobile banking services including checking accounts, savings accounts, and secured credit cards.
The banking products at Chime are okay, but their customer service is genuinely poor. I waited 45 minutes on hold to ask a simple question about my statement. When I finally got through, the agent couldn't help and transferred me to another department where I waited again. Very frustrating experience.
Pros: Online banking works adequately
Cons: Terrible hold times, unhelpful customer service
I've had both good and bad experiences with Chime. Day-to-day banking is fine and the app works. However, I had a terrible experience trying to dispute a charge - it took weeks and multiple calls to resolve. The resolution was fair in the end but the process was frustrating.
Pros: App works well for daily banking
Cons: Dispute resolution process is slow and painful
I opened an account with Chime expecting better based on their marketing. The account opening process took forever, they kept asking for the same documents, and once the account was open the service didn't improve. Fees higher than advertised and interest rates lower than competitors.
Pros: None that I can think of
Cons: Slow processes, misleading advertising, high fees