My Chime Banking Experience
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
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.
Heather1976
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
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
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35444 |
| Year Established | 2000 |
| Employees | 612 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.22% |
| Return on Equity - YTD | 13.28% |
| Annual Interest Income | $179.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2019vs Q4 2018 | $5.66B$4.44B |
| Loans | Q4 2019vs Q4 2018 | $3.11B$2.35B |
| Deposits | Q4 2019vs Q4 2018 | $5.07B$3.95B |
| Equity Capital | Q4 2019vs Q4 2018 | $476.0MM$396.8MM |
| Loan Loss Allowance | Q4 2019vs Q4 2018 | $10.2MM$8.7MM |
| Unbacked Noncurrent Loans | Q4 2019vs Q4 2018 | $13.6MM$30.4MM |
| Real Estate Owned | Q4 2019vs Q4 2018 | $24.5MM$27.2MM |