Chime

Deposits held and insured by The Bancorp Bank

Overview / Commentary
844-244-6363
6100 South Old Village Place
Sioux Falls, SD 57108
Deposits held and insured by The Bancorp Bank
Reviews (419)

Chime/Aspiration

Posted by: |

I've only been using Chime for a short period of time. I was using it because I wanted to get my paycheck a couple days early because I get paid every two weeks. Anyway I was offered the Chime credit builder card after so long. From what I read and understood,it would help me build my credit. As long as I added money to it from my checking account. Well they voluntarily took 100 dollars from my checking account and I don't know where or why they took it. It also told me if I owed 600 some dollars by the 27th of this month. Why,I never borrowed or used any money that wasn't mine. Can someone please inlighting me on why?

Not As Good As I'd Hoped But Would Be

Posted by: |

After being A customer for three months, I have found that there are many things that are not supported by Chime. One of them is putting a stop payment on a transaction. You can block the merchant But the transaction may still go through. There are other things that are not supported that are just default at many banks. I was surprised because I thought all banks were the same. I am getting my direct deposits very early, which is good, but I find the technical support to be difficult to understand. Some of them can barely speak English.

If You Do A Dispute Don’T Expect Your Money Back

In the 3-4 years that I’ve had Chime, I never had a problem with them. Back in October I purchased something from a scam site not knowing it was a scam site. Over the course of a few months after that in total the scam site took my card information and used it on several crypto cites, bought crypto and I have been fighting with them since. I would dispute the claim, and kept getting the same result after sending in the proof that I did not make these funds, sending in a police report about it, etc. they have denied them multiple times. I have asked for an actual explanation as to why it kept getting denied and everyone I talked to stated “we don’t have the ability to tell you that, you have to wait for the investigation team to tell you, which will take 7-10 business days.” When I have escalated for that claim notification multiple times, I kept getting the same email that stated what I had disputed, my initial intake form that the person on the phone originally had messed up but couldn’t change it… and nothing stating why it was actually denied. I had disputed these claims and had 6 rebuttals on them, which at this point they can’t do anything about them now since it has been 6 times. I am not one to complain, I am not one to get upset easily but when this bank is holding $1,837.05 from me that could literally help me get caught back up on my bills and REFUSING to look into my actual claim, I am pissed. So, they work fine, but when it comes to disputes if anything were to ever happen, just call it a loss.

CHEATS INSIDE

Posted by: |

I THINK WHY PEOPLE ARE GETTTING MONEY STOLEN IS BECAUSE ITS PEOPLE IN THE COMPANY THATS DOING IT. THEY HAVE ALL OF OUR INFORMATION AND I HONESLTY THINK THE REASON IS BECAUSE ITS SOMEONE INSIDE THATS DOING THIS!

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Health
A

Data as of Q3 2023

Data displayed below is for insuring bank: The Bancorp Bank
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Health Grade Components

Overall
FDIC Certificate #35444
Year Established2000
Employees735
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.83%
Return on Equity - YTD26.33%
Annual Interest Income$377.1MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$7.46B$7.77B
LoansQ3 2023vs Q3 2022$5.55B$6.07B
DepositsQ3 2023vs Q3 2022$6.51B$6.93B
Equity CapitalQ3 2023vs Q3 2022$861.4MM$745.6MM
Loan Loss AllowanceQ3 2023vs Q3 2022$24.1MM$19.7MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$13.6MM$18.1MM
Real Estate OwnedQ3 2023vs Q3 2022$18.8MM$18.9MM
Rates
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Chime Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%--Chime Savings Account
Locations

Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 6100 South Old Village Place - Sioux Falls, SD 57108

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