Deposits held and insured by The Bancorp Bank

Overview / Commentary
409 Silverside Road
Wilmington, DE 19809
Deposits held and insured by The Bancorp Bank

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Chime Bank Review - 9/20/2019

Chime Bank is part of a wave of online-only financial technology companies that partner with banks to provide a user-friendly banking experience.

My Chime Banking Experience

Posted by: |

Wow! I've been reading all these other post about their experiences with banking with Chime and I'm so surprised by all the negative results.
I've only been with Chime a few months and before that I was with greendot and that was a terrible experience so I was excited to switch to Chime.
I get my direct deposit sometimes just hours later of my company submitting our payroll. And I've reached out to customer service many many times and never once have I had a bad experience. They've always been very friendly and helpful and thats something I definitely wasn't used to after being with greendot for so long. Im sorry so many other people have had some pretty horrible experiences with Chime, but I can honestly say I've enjoyed it so far and wish I would've switched sooner.
If you want terrible customer service call greendot and I promise you won't be disappointed.

Referal Bonus

Posted by: |

Customer Service was extremely rude. They also need to word properly about the Referal Bonus! Its not $200 deposited within 45 days of signing up! Its ONE transaction of $200! Very misleading and upset that i missed out on the Bonus i was waiting on! Customer service didnt care to fix this issue and when spoke to Supervisor he as well didnt care. Very misleading information. And for the fact now if i have $200 deposited in one transaction it will have been past the 45 days and will not honor it.


I have no idea what happened to my direct deposit and I don't really know how to use this application. It could be more informative.

Chime Direct Deposit

Posted by: |

4 other people at my job have chime... They ALL got paid today EXCEPT me . I called chime and they’re customer service is very dismissive. They have a prewritten response to tell you any time you have a direct deposit inquiry. “Chime does not hold your money, as soon as we receive it, we will release it to you. Your funds have to be approved and processed through the federal reserve, first.” Well that’s funny, because multiple people at my job received their money and i did not, so that statement is false. Then they say please check with your employer to assure they have your account number and routing number correct . I checked , double checked, and triple checked IT IS ALL CORRECT.... what is the issue CHIME? Then their response is “ok well just wait” WHY DID 4 OTHER EMPLOYEES WHO I WORK DIRECTLY SIDE BY SIDE WITH GET THEIR DEPOSIT BUT I DID NOT . It makes NO SENSE. I received my direct deposit email from my employer meaning that payroll was processed .. SO WHERE IS MY MONEY CHIME ?? terrible



Data as of Q4 2019

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

Health Grade Components

FDIC Certificate #35444
Year Established2000
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.22%
Return on Equity - YTD13.28%
Annual Interest Income$179.6MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$5.66B$4.44B
LoansQ4 2019vs Q4 2018$3.11B$2.35B
DepositsQ4 2019vs Q4 2018$5.07B$3.95B
Equity CapitalQ4 2019vs Q4 2018$476.0MM$396.8MM
Loan Loss AllowanceQ4 2019vs Q4 2018$10.2MM$8.7MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$13.6MM$30.4MM
Real Estate OwnedQ4 2019vs Q4 2018$24.5MM$27.2MM
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Chime Savings Account Rates

0.25%--Chime Savings Account

Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 409 Silverside Road - Wilmington, DE 19809

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