Chime

Deposits held and insured by The Bancorp Bank

Overview / Commentary
844-244-6363
409 Silverside Road, Suite 105
Wilmington, DE 19809
Deposits held and insured by The Bancorp Bank

Related Posts

Chime Savings Account Rate Drop To 0.50% - 12/9/2020

Per e-mail from Chime... As of December 9, 2020, the Annual Percentage Yield (APY) for your Chime Savings Account will change from 1.00% to 0.50%, with an interest rate of 0.50%.

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Reviews (301)

LOVE CHIME

Posted by: |

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 ????

Very Few Problems

Posted by: |

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.

Late Direct Deposits!!

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!!

This Is Why I Went Back To Brick And Mortor Banking.

Posted by: |

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.

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Health
A

Data as of Q2 2021

Data displayed below is for insuring bank: The Bancorp Bank
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #35444
Year Established2000
Employees646
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.83%
Return on Equity - YTD20.84%
Annual Interest Income$113.9MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$6.56B$6.22B
LoansQ2 2021vs Q2 2020$4.67B$4.22B
DepositsQ2 2021vs Q2 2020$5.77B$5.56B
Equity CapitalQ2 2021vs Q2 2020$635.1MM$524.7MM
Loan Loss AllowanceQ2 2021vs Q2 2020$15.3MM$14.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$10.5MM$16.7MM
Real Estate OwnedQ2 2021vs Q2 2020$21.1MM$26.3MM
Rates
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Chime Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Chime Savings Account
Locations

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

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