Why I Am Done With Chime Card – It Was Fun While it Lasted

25

Join over 5,000 people who are subscribed to receive a once daily email with all of our posts. Never miss out! Click here to subscribe.
Want more info? Come join our Travel Hacking & Reselling Facebook communities to get the answers!

chime card changes

Chime Card Disappointments

I have written a few times about Chime Card and why I thought it was an interesting product. They have been pretty agressive with their offers, which basically meant I was able to pickup free money from time to time.

Chime also allowed me to load the card with my Nationwide Buxx card, which gave me an easy way to liquidate some funds while paying bills that don’t accept credit cards. It was all working nice.

Over the past few weeks Chime has decided to make some changes that have really hurt the product in my opinion. Because of these changes, I believe I am done with Chime Card for now. I plan to liquidate my account. Here is why:

3% Fee For Nationwide Buxx

chime card changes

A few weeks ago Chime Card introduced their Checkbook feature which allows you to send a check to any person or company. Shortly after, Chime started insitutting a 3% fee on certain debit cards like Buxx cards. Fortunately the Nationwide Buxx cards still worked for awhile, however I logged in to find they are now charging a 3% fee.

Checkbook Really Sucks

chime card changes
Thanks to Chime canceling my payments, my bill is now past due!

After their Checkbook was introduced, I was happy to use some of the funds on Chime to pay a few utility bills. I quickly discovered that their Checkbook feature is not only rudimentary, but it also sucks. The account number field for example only takes numbers. My city water bill has an account number including dashes, so that won’t work.

The first time I tried to pay a bill it took five minutes to get the system to accept an account number that worked. Once it finally did, the bill pay still failed. I received an email from Chime the next day that my account number was not proper. So I took the hyphens out and paid the bill again as per their instructions. As you might guess, the check failed again. I just tried a third time. Hopefully it will go through.

No More Offers

chime card changes

So imagine after the added 3% fee and then all of the issues with Checkbook that Chime goes ahead and removes the one real benefit of their product. This morning Travel with Grant reported that some accounts are no longer eligible for offers.

After reading that report I logged into my Chime Card account and found that I am offerless. While I understand the need for targeted offers, taking out the one useful feature at this point leaves me no choice but to abandon Chime.

I find it interesting that my wife’s account which has pretty much been left alone since I opened it still has offers, but my much more active account no longer has them. Perhaps it is Chime’s way of politely giving me the boot. Who knows.

Conclusion

I understand Chime is a growing company who is trying to find a way to be profitable. While I am not happy with all of these changes, I am not going to slam the company here. I will just not use their product since it doesn’t provide any value to me any longer. How about you? Have you had any of these issues?


This post may contain referral, affiliate or sponsor links that provide Miles to Memories compensation. Thank you for your support.

25 COMMENTS

  1. It was only good for liquidating at low cost. Now it’s 3% (like Evolve) so why bother?

    In the sock drawer they go…

  2. Well, the reasons I am done with Chime are:

    1) poor customer service & call center operations — the customer service agents and the one manager/supervisor are friendly and helpful but who wants to wait on hold for 20-30 minutes to reach the basic customer service rep. If you have a “escalated” issue (i.e. complaint, dispute, charge back, etc), there is only one manager/supervisor who handles all of those call. Sasha, you are awesome but I hope you are paid well!

    2) unacceptable response and resolution to fraudulent charges and disputes — you are only allowed to file a dispute on one transaction in a 30-day period; so when your card data is compromised and a cash withdrawal is made at an ATM in a foreign country (when your real card is still in your possession) and then charged at various other foreign locations, Chime still only allows one transaction to be disputed at a time.

    Chime is on the right track but the issues above need to be addressed asap because those same issues have sent a large number of prepaid cards to an early grave!

  3. They are by far the worst bank I have belonged to. Their customer service lies and, they make it difficult to talk to a real person. When you do get a real person they are beyond ignorant. DO NOT JOIN CHIME!!

  4. I agree!! This company CHIME! They lie like if your card is compromised and fraudulent charges have been made that they will return your miney in three days LIE! There dispute department dose everything they can not to return your money. They are not for you but aginst you I am returning to Bank of America where my money is insured and if stolen I dont have to worry about it my

  5. OMG I’m fighting with them as we speak, literally begging for my money back. I used the atm inside my office building in Bronx, NY and less than 30 minutes later charges began to appear from Norfolk, VA. I called Chime right away as I figured it was an error on their behalf. Needless to say my card was compromised for the 2nd time in months. I’ve called Chime and Bancorp almost 30 times and each time I’m told they need more time to investigate my claim. Hello, common sense would tell you I couldn’t have possibly used an atm in Bronx at 8:22am and swiped my card in Norfolk, VA at 9:01am on the same day. This company is by far the worst. Don’t waste your time. Its not secure, and then once something happens they treat you like you’ve done something wrong, instead of the victim of theft and fraud.

  6. I have only used this card for my direct deposit for the past two weeks, and thus far, there has been a problem each week. The customer service department is VERY unprofessional!!! What bank card service makes the customer call a merchant on 3-way to resolve their own issue? Chime does!!! What bank card service doesn’t have supervisors? Chime! What bank card service is unable to protect their customers money? Chime!

    As far as direct deposit goes, my netspend direct deposit goes through quicker than this card so you guys aren’t the fastest service.

    I was just on hold for a manger and got hung up on after they acted like they couldn’t hear me after waiting for over 30 minutes. I’m definitely going to the blogs, BBB and consumer affairs after my experience.

  7. I just cancelled my chime as well. They now no longer let you link your external bank account unless it’s one of the very few they have listed. And CS went to shit….fast

  8. I was with netspend before coming to chime . Netspend has no surcharge free atms chime does. Netpend charges you $10 a month for unlimited purchases chime doesnt charge anything. Netspend doesn’t have any options for a savings account chine does. Both cards give you your direct deposit as soon as they receive it. But in my case im saving money using chime. No conplaints so far. One tine i stayed at a Hotel and they held money from my account. I called chime customer service and they went on three way to call the hotel and aa soon as the hotel said that the money was cleared chime released the funds. To tell you the truth chime is a very good card and inexpressive.

  9. They wouldn’t accept my tax refund and claimed that it was the wrong name because my middle initial was on my tax return. IRS took over 3 months to get it to me. I embarks Chime several times and got no response. I finally got through to the phone line. They said that I could only correspond through email! It took them over a month to email me back. That’s when I finally found out the reason for them sending my refund back. Now for the past month, I haven’t been able to transfer money from my bank account to my Chime card. I have emailed them and have gotten no response! I went on today and accidently clicked on something and it opened up and they are now only accepting transfers from certain banks! So I set up my Wells Fargo account to transfer from and still am unable to transfer money from. It is ridiculous! I use this card for online transactions so I don’t get my actual bank account hacked. It’s more headache than its worth!!

  10. I just cancelled my Chime card because I can no longer load funds from my debit card. My debit card was skimmed so to prevent that from happening again I got a Chime card. When I wanted to use the card someplace I was not comfortable with I transferred what I needed immediately and then used the card. Since I can no longer transfer funds immediately the card is worthless. Customer support is pretty darn worthless also.

  11. I have had them a few months. Their round up feature has benefited me and helped me start saving up. I have had bad experience in the past with more traditional banks, charging monthly fees and other fees. Whenever I have had to ask a question, I have used Facebook, they have been very nice, though sometimes the response did not come in that much of a timely matter. But, my questions were more clarifications, and not really urgent problems that needed addressing. Let’s see, something I would love to see help me save more is the ability for a cash deposit somehow, that does not involve a nearly 4 dollar fee every time. I like how simple the app is, I like how it does pretty much everything I need on a day to day basis. The only thing is that once you get a larger chunk of money saved up, I personally would like to see it earning some sort of interest rate, so I may move it eventually. But, starting out, I would say with the 10% round-up bonuses every Friday, I have probably gotten more from them than more traditional banks I have had in my memory, because of this I like Chime for spending and using on a day to day basis. I like the extensive atm selections, for withdrawing money only, though. I like how it seems I receive direct deposits earlier. I think Chime is going to be even better, they just need to continue to improve and innovate. The Checkbook has worked fine with me, for personal payments, I like how it is very simple to send a check to someone or somewhere you have sent it in the past, very simple, you can do it on the move in your busy day.

  12. I’ve had the same experience of some above where Chime does not seem secure at all. I’ve had various credit and debit cards for over 25 years and never had a security issue. I get a Chime card and literally within 1 month of having the thing, I start seeing fraudulent charges made. I then I had to take all my money out at an ATM and cancel the card only to be hit with FEES at green dot in order to put my cash back in after I got a new card.

    Their customer support is lackluster at best and I can often expect to wait on hold for long periods of time and sometimes get in touch with support that’s obviously in a crowded room where the other support people are trying to yell over each other so the customers on the line can hear them. Very obnoxious especially when you’re dealing with a stressful issue involving money.

    There’s no way to deposit a check without FEES. Did you notice I’ve mentioned fees twice? They claim there’s no fees, but that an outright lie. They also keep claiming that they’re finally going to accept checks where you take a picture with your smart phone, but that’s been nothing but vaporware.

    I don’t trust Chime with my money and nor should you. There’s other online cards that take pictures of checks to deposit them, etc. — I’m taking out my money and trying them. I’m done with Chime and their horrible customer service.

  13. Ive had Chime for a year now and never once had an issue, no fees, had an atm over charge me for a withdraw (took out $100 and it was negative 200) but Chime immediately put it back even if i did have to wait 30 minites for a representative. I found this article trying to see if my tax refund would all come on the card at once !

  14. This review is due to the horrendous, disappointing customer service that I’ve experienced first hand by multiple customer service reps including today. As a business owner I understand the value of customer care and services and I would hope that this company is built on the same integrity. I was hung up on by a customer service rep less than twenty minutes ago, her disposition on the call itself was distracted and uninterested. Once I attempted to call back I was left on hold for an extended period of time. I plan to cancel my account and continue advertising my bad experience with your company through reviews.

    Thank You!

  15. I’ m currently looking for a good prepaid debit card with the least amount of fees, none if possible. I’ve started selling on EBay and I need to be able to transfer my earnings from my Paypal to my debit card. I’m on the fence with this Chime card. At face value, it appears to be the perfect card. What I want to know is, what’s the catch? Is there an activation fee? A fee per purchase?? Should I give Chime a shot? If no, what prepaid debit card would you recommend?

  16. Chime’s Customer service is horrible! I was in shock when I asked to be transferred to their fraud/dispute department and was told by the Hispanic female agent their fraud department was not open today. I asked why? She said because one of the employees couldn’t make it to work, and the other agent had to leave early to go to school. I couldn’t believe her response. She told me they are a small company in San Francisco, CA.

    Prior speaking to this agent, I was disconnected on intentionally by another Hispanic female agent named Jessica, and the other agent was Cynthia. It seems like the very small call center is all Hispanic; and some of them you can tell English is their second language.

    I was on hold for over 30 minuets waiting for one manager.

    My card was stolen and funds were taken off my account where the PIN was not used. I reported my card lost within 24 hours of becoming aware of the theft. Obviously I would not be the one on the merchants surveillance cameras. Chime made the egregious decision not to approve me for provisional credit. This was absurd and preposterous.

    I plan to cancel my account and go with a professional bank like Bank of America, US Bank, and Citibank who all have excellent customer service and offer security for their customers.

    Chime is the worst bank I’ve seen.

  17. WORST BANK EVER!

    Chime is AWFUL! I was deliberately hung up on by 3 different female agents . How can their customer service get away with this?

    DO NOT BANK WITH THIS COMPANY.

  18. I had my taxes put on my chime card and went to buy a car and the man at the car lot try to charge my card and only 2300 was approved so he canceled it. I called to see if there was a hold or what the deal was and the lady told me after 40 mins on hold that there’s a spending limit of 2500 a day. So the whole day I couldn’t get any money off my card or use my card anywhere even thought the transaction was canceled. Which makes no sense. There wasn’t any money taken off and they could see it was canceled but still considered that my spending limit. So I had to put down a deposits and go back twice to pay off the car.

  19. AVOID LIKE THE PLAQUE!!! Ok, for starters I constantly had issues with Kroger declining my card, but taking the money anyway. Kroger nor Chime could explain to me why this had happened to me on 3-4 seperate occasions. Now..I would then have to contact support (which is like pulling teeth) and BEG for my money to be released, since the transaction was declined. I sent in photos of the receipt as proof. Now, they did remove the hold on the fund the first 3 times, but the 4 they treated me like I did something wrong. Now..I’m going to be honest and say I may not of been the nicest guy, but who would be after this had already happened 3 times before, AND previously I had waited 30+ mins on hold for phone support. So, yes I did send a stern message to their Twitter support page. But, I own that and I wasn’t unprofessional in anyway. I just wanted answers. They then send me an email on 3/30 telling me they are closing my account on April 1st.

    It is now 3/31 and my account is already closed?? Not even a notice that they would be closing it 24 hour ealier? Now my funds are being held hostage.

    Please avoid this company for three reasons..

    1. Terrible customer service and the phone support center is open until 7…which is not convenient. Any legit bank, even other prepaid cards have 24hr support, Chime doesn’t.

    2. Dispute handling is horrid. It takes forever, and they fail to follow their OWN fine print. The card is not secure, and is NOT EMV chip compatible.

    3. They are liable to randomly close your account if they give you problems, and you complain about them. They will tell you they are closing it one day, but end up closing it early and screwing you over.

  20. Although, chime is a fee-free bank and you receive early direct deposits, their customer service is horrible! I’ve been a customer for about 6 months. I found out on Monday, while trying to purchase food for my family at walmart, that my card and funds were blocked due to an unauthorized charge I have no knowledge of. It’s going on day three of this so-called investigation and no one is able to give me any answers. All of my funds are tied up in this investigation and I have no way to access it. I am one disgruntled customer and I don’t recommend this bank to anyone. It’s still much for them to learn about serving others.

    • They did the same to me!! If you want to join together in a class action, let me know!! I’m down! They held my money hostage for weeks!

LEAVE A REPLY

Please enter your comment!
Please enter your name here