BEEN WITH THEM OVER 4 YEARS JUST LIKE ANY OTHER BUSINESS THEY HAVE SITUATIONS THAT MAY BE TECHNICAL THEY HAVE NEVER NOT INFORMED ME ABOUT A GLITCH IN THE SYSTEM THEY LET YOU KNOW 24 HOURS AHEAD OF TIME I LOVE CHIME AND THEY LOVE THEY CUSTOMERS!
IT'S JUST LIKE ANY OTHER BUSINESS THAT HAS TECHNICAL DIFFICULTIES IT'S LIKE ANY OTHER BUSINESS THAT MAY NEED TO UPDATE THEIR SYSTEM BUT FAR AS ALL THESE OTHER BAD THINGS ON HERE ABOUT TIME IT IS VERY HARD FOR ME TO BELIEVE BECAUSE I HAVE BEEN WITH THEM FOR WELL OVER FOUR YEARS AND THEY HAVE TREATED ME WONDERFUL JUST AS WELL AS I HAVE SEEN THEM TREAT OVER A MILLION OTHERS WONDERFUL ????
Not sure why everyone else is having issues with Chime. I've only had two: Paypal has occasionally denied charges linked to my Chime account for no reason (which is more a Paypall problem really), and that one weekend in 2018 when service went down entirely for a whole day (no excusing that).
Otherwise, my direct deposits go in a day early, my last Stimulus check when in a whole weekend early, I don't have to worry about overdrafts, the only fee is if I don't use a network ATM, but those are common in my area. Can't comment on customer service but that's simply because I've never had a reason to contact them. Recently they even added a secured credit card, allowing me to easily build up credit.
They're not great if you want paper checks, and they expect you to sign up to have your paychecks direct deposited, but they don't hide any of that.
I don't know what is going on with Chime!! It seems like they get later and later with their direct deposits, and they like to blame the employers, the customers, the government, pretty much anyone but them. They do not seem to get the concept that people work hard for their paychecks and they expect their deposits to come in on time EVERY time, not just whenever they get around to it. Get that through your thick skulls! Deposits are to be in ON TIME, PERIOD!!!!! If you can't do that, you guys do not DESERVE to be in business!!
All this crap you here about Chime and there imperfections is definitely bad news. But people. Please do your research. Chime is not insured the way traditional banks are. Whoops, paycheck to days early!! And then your broke 2 days sooner as well. Anyways, after 6 years with chime I had to leave online banking in general.
|FDIC Certificate #||35444|
|Return on Assets - YTD||1.83%|
|Return on Equity - YTD||20.84%|
|Annual Interest Income||$113.9MM|
|Assets and Liabilities|
|Assets||Q2 2021vs Q2 2020||$6.56B$6.22B|
|Loans||Q2 2021vs Q2 2020||$4.67B$4.22B|
|Deposits||Q2 2021vs Q2 2020||$5.77B$5.56B|
|Equity Capital||Q2 2021vs Q2 2020||$635.1MM$524.7MM|
|Loan Loss Allowance||Q2 2021vs Q2 2020||$15.3MM$14.6MM|
|Unbacked Noncurrent Loans||Q2 2021vs Q2 2020||$10.5MM$16.7MM|
|Real Estate Owned||Q2 2021vs Q2 2020||$21.1MM$26.3MM|
Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 409 Silverside Road, Suite 105 - Wilmington, DE 19809