I have had a Chime Bank account since May of 2018, so about two months, and the only positive experience I have had is getting my direct deposit a day early. Chime says they work with Venmo, but Venmo does not recognize them.
When I contacted Chime about this discrepancy, they responded that it is Venmo's fault and that I should tell them some banking mumbo jumbo, and that will fix the issue. It did not. Venmo DOES NOT recognize Chime Bank, and Chime still promotes themselves as if it does. That is one less way I can retrieve my money.
They recently added mobile check deposit which worked for my first three checks. They do not deposit all of the money at once, but in increments instead. One check I deposited was for $360 and gave me $200 three days later, and the remaining $160 an additional one or two days after that, I cannot remember exactly.
This week, I tried to deposit my paycheck and they accepted it, only to send me an email a few hours later stating that they were unable to verify it. That's it, no reason given. What really irks me is that I was told I could not attempt to submit my check again and that my only option was to cash it, and that just does not work for me. I do not want hundreds of dollars in cash when I want them in my bank account!
Try getting ahold of an actual person? Good luck. I have sent numerous emails with issues I have had, and not once has any of my issues been resolved. Want to change your address on file? You have to email the support team. Well, they didn't change my address. Want to change your PIN code? You have to email the support team. They haven't changed my PIN code. I have attempted to contact them to close my accounts with them, and they have not gotten back to me on that either so I am a little irate with this company to say the least.
I WOULD NOT recommend ever using this bank. It will make you want to tear your hair out.
Bottom Line: No, I would not recommend this to a friend
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