Chime – Mobile Banking 4+

I can honestly say I really enjoy the service that chime has given me since I’ve started. Everything about Chime is exactly what I was looking for, especially the zero anxiety of dealing with someone face-to-face. Don’t get me wrong, there’s nothing wrong with going into a bank and handling business, but I’m a very simple individual and I don’t need all of that. This is were I believe Chime excels through their app in so many ways. Now the only problem that I have is being charged a fee when depositing my cash at the selected locations available for Chime customers. Before all this I used to go to Walgreens do my deposit at the register, and there was no fee whatsoever for doing so. Somewhere along the line that had to stop and ever since then I’ve had to pay at the locations that I go to between CVS and Walgreens a fee of $4.95. This is an entire issue to me especially when I’m depositing for example $60 and before you know it I’m actually depositing $60 but I have to shell out an additional $5 dollars just to pay for the fee for depositing my money into Chime. Total robbery! Moving forward I hope one day chime can change this because you guys are awesome, I love you guys, and I am going to continue on this wonderful service that you have provided for me from now and it the future and so on and so forth 😂

Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.

I’ve been using Chime for a little over a year now & I absolutely love it! I love the convenience of being able to manage all my accounts from my phone, & the app is very user friendly & simple to navigate. One of the biggest reasons I’ve heard others say they are reluctant to use Chime is not being able to go into a physical bank location if they have a problem with their account. However every time I have had questions or issues & used the chat feature, my problems were resolved right away! I also love that there are NO OVERDRAFT FEES & you get a REAL TIME BALANCE!!! The reason I left my previous bank for Chime is because they were very slow to post transactions; so I’d check my balance & think I had enough to to pay a large bill only to find out days later that I did not have enough money & then get hit with a $30 overdraft fee EVERY SINGLE DAY MY ACCOUNT WAS NEGATIVE. With Chime, you can see your pending charges, & they will even spot you up to a certain amount until your next pay day if you accidentally overdraw your account! If you do accidentally overdraw & don’t have enough funds available in Spot Me credit, they just decline the transaction instead of hitting you with overdraft fees. All banks need to do that in my opinion! I highly recommend banking with Chime!