Published by Chime on Jun 27, 2023

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Why should I report an Issue with Chime – Mobile Banking?

  1. AppContacter will directly Email your issue/feedback to an apps's customer service once you report an issue and with lots of issues reported, companies will definitely listen to you.
  2. Pulling issues faced by users like you is a good way to draw attention of Chime to your problem using the strength of crowds.
  3. Importantly, customers can learn from other customers in case the issue is a common problem that has been solved before.
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About Chime – Mobile Banking

1. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors.

2. Debit card and Credit card may be used everywhere Visa credit cards are accepted. *Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month.

3. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within 365 days of your Credit Builder application.

4. See for details on qualifying direct deposit. ²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months.

5. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U. S. A. Inc.

6. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U. S. A. Inc.

7. Eligible members on Chime can overdraft up to $200* on debit card purchases and ATM withdrawals fee-free.

8. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions.

9. Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees.

10. Whether it’s for gas or groceries, use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments.

11. On-time payment history can have a positive impact on your credit score.

Chime Customer Insights

1. My only issue with Chime is that it wants to move larger and larger numbers to the credit building card instead of being customizable.Love the service, App is fine but only barely.

2. Works fine on iOS.There's been multiple times where I've tried to transfer money from my credit builder to my checking account and the app will freeze.

3. I have to go to the website (which ironically does automatically add decimal points like the app used to) to schedule payments but checks I just can't deposit because I can't enter the right amount and support doesn't care.I had to change phones becausemy old one broke.

4. Also the credit check they claim doesn't hurt your score, it really does.I wish I didn't have to rate this so low.

5. It's easy to track payments and there's a credit building card that averages 30 point increases when used as intended.

6. 🤷 ♀️Love love love chime!! I actually gave their credit (debit) card.

7. Direct deposit came two days early as well as my secured credit card.

8. They essentially charge it like a debit account (you spend what you have and no more) but they report to the credit bureaus that you are paying a monthly credit bill.

9. I've never had any issues with customer service, replacing my cards, plus you get your paycheck 2 days early!!My last option to transfer money or anything regarding my finances.

10. The front works fine but once you try and take a picture of the back of the check whatever method the app uses forces the camera into a refocus loop and will never focus on the check.

11. It actually did the opposite, I used it for a few purchases one month and my credit went down saying my credit card usage was up.

Steps to Troubleshoot & Fix Chime Issues

1. Fix Chime Not Working/Crashes/Errors/Unresponsive & Black/White screen:

  1. Restart Chime: Restarting the app will resolve most errors.
  2. Update the Chime App. Here is how:
    1. On Android goto PlayStore » Search for "Chime" » Open Chime – Mobile Banking » click "Update".
    2. On iPhone, goto AppStore » Your profile » Available Updates » Check for Chime » click "UPDATE".
  3. Clear Chime – Mobile Banking app cache: Clearing cached data will force your app to retrieve the latest data directly from Chime servers.
    1. On Android, goto Settings » Apps » Select "Chime – Mobile Banking" » click Storage » click "Clear Cache".
  4. Check Chime app permissions. If any of these permissions required to use your device's features are disenabled, Chime might not work.
  5. Uninstall and reinstall Chime. If nothing else has worked, completely uninstall Chime then reinstall.
  6. Restart your device. Last, restarting your device can often clear most problems causing Chime not working

2. Fix Chime Server issues & Internet Connection

  1. Check network connection: An unstable Internet will make Chime be unable to connect to it's servers. Ensure your wi-fi is working then restart app.
  2. Disable VPN: VPN can cause connection errors and lead to Chime not working. Make sure all VPNs are off
  3. Enable background data: When Background data is turned off, Chime may not be able to connect to the Internet when running in the background.

Reported Issues

Note: Issues displayed have already been sent to the developer and are older than 7 days.

  • I can't login to my account it's locked so unsubscribe me from Chime banking

    — by Virginia Kosel 1 year ago

  • I can't login to my account it's locked so unsubscribe me from Chim banking

    — by Virginia Kosel 1 year ago

  • Need two install new app

    — by Don Patrick 1 year ago