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Chime My Personal Review: Likes and Dislikes


I’ve been using the Chime app since it launched on April 15, 2014, and I have to say, I like it. It makes managing my finances easy, and I love being able to pay other people with just one click through the app too! 

I’ll discuss my review of the app, so you can decide if this might be something that would help you manage your finances, too.

What is Chime?

Chime is an app that lets you manage your money and bank accounts from one place. You can use Chime to make payments, transfer money, and more. I like the convenience of having everything in one place because it helps me keep track of my finances in a really easy way to understand. There are a lot of things that I like about Chime. 

 I’m glad Chime doesn’t charge fees for using it because it’s so nice to have everything in one place without worrying about additional charges or monthly service fees. 

One of the best things about Chime is that it’s free and easy to use. I’ve been using a credit card for my finances for years, but having an app on my phone has helped me pay attention to what I spend money on.

You can set up savings goals too, and if you have bills due each month, you can connect your checking account and automatically transfer money into savings when necessary, so that you don’t forget any bills.

Chime Account Setup

The first thing I did was get the Chime app on my iPhone, which I did by going to the app store on that device. In addition, if you have an Android phone, you may get it through the Play Store. 

After downloading the application, I entered it and created an account by entering my name and other personal information, such as my address and other details. 

I also established a personal identification number (PIN). After that, I was notified through email that the account had been successfully established and that my debit card would soon be arriving in the mail. The email also informed me that the account had been set up correctly.

Why I Use Chime?

Chime has helped me become more financially responsible and I’m now on track to reach my financial goals. I highly recommend Chime to anyone looking for a better way to manage their finances. Here are some reasons why:

1. Chime can help you budget better. With its easy-to-use interface, you can see where your money is going and adjust your spending as needed.

2. Chime allows you to set up a direct deposit and have your paycheck deposited into your account on payday, so you never have to worry about missing a payment or being short on funds.

3. Chime also offers a savings account with no fees and minimum balance requirements, so you can start saving for your future without worrying about penalties or extra costs.

4. Finally, Chime provides excellent customer service and is always available to help if you have any questions or need assistance.

Likes and Dislikes

When it comes to online financial apps, there are a lot of them out there. However, not all of them are created equal. Chime is one of the best online financial apps available, and there are many Likes and Dislikes given below:


  • One of the things that I like about Chime is that it makes managing your finances very easy.
  • Another thing I like about Chime is that it offers many features that other financial apps don’t.
  • It allows you to track your spending and budget.
  • It has a savings account with no fees.
  • It offers direct deposit and early access to your paycheck.
  • A debit card is connected to your bank account to avoid overdraft fees.
  • I also like how the app can track your spending in different categories to see if you’re overspending in one area or not spending enough in another. 
  • Chime automatically saves a set percentage of your income into a separate, FDIC-insured savings account.
  • Chime’s savings account offers a competitive Annual Percentage Yield (APY), so you can grow your savings faster.
  • Chime provides helpful budgeting tools to help you track your spending and stay on top of your finances.


  • The greeting card took a very long time to arrive in the mail.
  • The card might be sturdy.
  • It encourages a culture of living from paycheck to paycheck, which I want people to get away from.
  • Limited support for investment accounts
  • No credit score monitoring
  • No joint accounts or shared wallets

Detailed Chime Account Review:

I recently discovered Chime, and I like it.

Convenient Setup:

Conveniently, you can maintain your account and complete the entire set procedure from your mobile device, which I appreciate. That is very convenient, considering that most of us are already addicted to our phones for the better part of the day.


The fact that the Chime account is FDIC-insured is of the utmost significance, given that you want to ensure that your money is kept in a secure location.


With every debit card transaction, I was notified instantly on my phone. In other words, it serves as a gentle but effective reminder that you’re spending money.

Seeing your purchases appear instantaneously on your phone screen brings the money you’re spending into sharp focus.

I especially appreciate the alert system that warns me when my balance is incredibly low.

ATM Access:

You can use the Chime Debit card at any automated teller machine (ATM) in the United States. The Chime app also features an ATM feature, which allows you to enter your zip code and displays all of the ATMs in your immediate vicinity.

Card Arrival:

My card didn’t show up for a very long time after ordering it (about 2 weeks). Once it arrives, activate it by calling the number on the card or going online to the website listed on the card. You will need to provide your personal information and create a PIN. Once your card is activated, you can start using it!

The Use of the Debit Card:

Another aspect of the card that I did not care for is that it is not particularly sturdy overall. The card is white, a wonderful touch, and features an illustration of the Chime logo at the top. 

It is equipped with a chip, and the account holder’s name is printed along with the visa logo on the bottom of the card. You’ll find the card number, security code, and expiration date on the back of the card.

Direct Deposit Feature:

I don’t particularly care for ever having to anticipate sitting on pins and needles for your check to arrive, period, and I don’t care about getting it two days early so that you can spend it early on.

If you are keeping an eye on the account and waiting with bated breath for your check to arrive, it seems to me that you do not have a firm grasp on the situation of your financial flow.

Although the option to make an early direct payment can be beneficial for many people, I wouldn’t say I like it for GP.

Frequently Asked Questions

  1. Is Chime Safe?

Yes, Chime is safe. All transactions are secure and private, and you never have to share your credit card information. Plus, with customer service available 24 hours a day, you can get help with any problems.

  • How Can I Use the App to Set Up Recurring Payments?

If you’re looking for a budget-friendly and user-friendly online financial app, look no further than Chime. Chime makes it easy to set up recurring payments so you can automatically pay your bills on time. Plus, there’s no need to worry about late fees or interest charges.

To set up a recurring payment with Chime, log in to your account and navigate to the “Bills” section. From there, you can enter the amount you want to pay and the date you want the payment to be processed. 

  • What Are the Fees Associated with Using Chime?

Chime is a free online financial app that helps you manage your money, pay bills, and save money automatically. There are no fees associated with using Chime.

  • How Does Chime Make Money?

Chime makes money from the interchange fee charged on card transactions. The app also makes money by selling transaction data to third parties for marketing purposes.

  • Does Chime Have Fee-Free Overdrafts?

Yes, Chime does not have fee-free overdrafts. Limits start at $20 and can be increased up to $200.


Overall, I like the app. It has many features that other banks lack, like making payments and transferring money to someone else. It’s a terrific method to keep my discretionary and personal spending separate from the rest of the family’s finances.

As a whole, I would recommend Chime as an alternative to other banking apps. Hopefully, they will stay strong and continue adding new features so people can take advantage of them.

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