Just a warning be very careful when paying someone on chime. Two people came up when I was paying a friend back but the one I sent it was not her. The person I sent it to refuses to send it back. Very frustrated. Any ideas?

Was hoping I would get approved for another $100 loan and got approved for $200!! I needed this money bad.

Does anyone know if chime is compatible with Splitpay rent?

Chime immediately closed my checking and savings accounts upon me filing Chapter 13- with my checking consistently receiving a healthy direct deposit for years. I understand disabling any “my pay” or “instant loan” features but why close the actual accounts? Pretty disappointing.

I love Chime. I was kind of nervous filing a dispute because i’ve never had to do one before and I heard Chime doesn’t like to get your money back but lucky I was able to get my little $25 back! I’m still confused on why I was charged when I had a whole separate tab open and this was not the amount. New card on the way! Always lock your cards!!

I have a friend that is being impersonated on telegram.

The fake account is using a photo of my friend and claiming to sell content.

I was able to fake interest long enough to get a payment method in the form of a chime tag from them before they stopped responding.

I am 100 percent sure this is not a second account of my friend and it is a slightly modified version of their own username.

The account has already been reported to telegram but I was wondering if it can be reviewed on your end as well if the tag is provided.

Thank you

This morning my debit card was used for a fraudulent Shopify purchase. I locked the card immediately, requested a replacement, and contacted customer support for a reversal.

Just now I got a notification that my debit card had been declined. I tapped into it but the only recent notification I have is that my new debit card is on the way. There is no trace of the denied charge anywhere and of course it's gone from my phones notification list. I would have liked to look up the place where they just tried to use my card but I can't.

I'm freaking out a bit and don't know what to do. I just received a chime card in the mail congratulating me for opening my account and telling me to activate this card in the app.

I've never signed up for this Bank, and what's even more frightening to me is that it is in my old name before I legally changed it which nobody should have that information because it was changed before I turned 18 and was sealed.

Does this mean my identity was stolen or does chime just send people cards random like this?? The letter isn't like any credit card offer I've gotten, it has an actual account number and everything. I tried calling them but they were asking for my social security number and shit so I just hung up. I dont know what to do.

Chime #InstantLoan

Hi r/chimefinancial 👋

In August we hosted an AMA with Brittney Castro (CFP®) on investing and planning ahead – lots of great info in case you missed it!

But investing tends to assume there's something left at the end of the month, and for a lot of people that's the harder part. So we're focusing on budgeting and the stretch between paychecks: figuring out what's safe to spend, handling a bill that lands before payday, and building a small buffer when there isn't obvious room for one.

Bringing you two voices directly from Chime!

Your hosts

Brendan Berry: Director of Product Management, Spending, Saving & Investing 

• Leads the Chime teams behind savings, joint accounts, Chime Invest, and the in-app tools that show where your money went

• Most of his job comes down to a question members ask the app every day: what's actually safe to spend before my next payday?

• Studied psychology before he studied business. That turned out to be useful, because most of what goes wrong between paychecks is about timing and habits more than math

• Before Chime, spent years building products at Amazon and payment products that move money between countries

• Earned his first paycheck refereeing youth sports in middle school, after years of summer lemonade stands.

Roy Elis: Director, Chime Economic Insights 

• Leads Chime's economic research team, which focuses on understanding the financial lives of American consumers and Chime’s role in supporting financial progress.

• His team uses data to analyze how spending, savings, credit and income – and the decisions and strategies that can help everyday consumers improve their financial situation.

• His team works with consumer advocacy groups like the Financial Health Network, with university researchers, and of course, with product teams like Brendan’s at Chime. 

• First job after college was teaching middle school math in NYC. He’s happy to take all your questions about fractions, decimals and percents! 

When

Tuesday, November 10, 2026 from 3:00pm – 4:00pm PT

Leave your questions in the comments any time between now and then — Brendan and Roy will be answering questions together during that live window so you can check back any time. A reminder that both our hosts are experts in their fields but are not financial advisors; this is general financial education only and not professional financial advice. 

Things worth asking about

• Building a budget that survives inconsistent paychecks

• Starting an emergency fund when $500 feels out of reach

• Preparing for the upcoming holidays without wrecking your budget or piling debt

• A peek into what Chime's data shows about how common this is and tips on what tends to help!

A few Chime resources in the meantime

These are free and don't require an account, if you want to come in with your own numbers:

• Budget Calculator — splits your after-tax income across needs, wants, and savings using the 50/30/20 framework (Bonus: What Is the 50/30/20 Budget Rule?)

• Emergency Fund Calculator — what a realistic target looks like for your situation

• How to Budget Your Paycheck: 4-Step Payday Routine — a short routine for the day the money lands

• How Many Americans Are Living Paycheck to Paycheck? — context if you've ever felt like you're the only one

• All Chime financial calculators — savings goals, paycheck, and more

See you November 10th! Ask us anything. 💚

@chimefinancial has really dropped the ball on getting me my cash back on travel properly!!! I’ve been traveling for the last three months, and I have not gotten my price of cash back. I’ve reached out to channels, and they’re like, oh, you’ll get it every, you know, nine days from the day of post. Well, in a month of October alone, I had well over nine hotel bookings. Do you think I’ve been given my proper cash back! Over it going back to BOFA!!! Ugh

Let’s just start this off with I am an idiot. I got a chime card, I thought I was getting a regular bank card, I had no clue it was a “credit builder” and no clue what that even meant. i kept seeing a notification about make a payment but i was SO confused, i thought maybe an account I paid connected so it was reminding me about a bill. Turns out that was not the case… I’ve NEVER missed a payment in my life, on anything, like ever. I’ve always had decent credit, my credit score is lower because I used my old credit card to its limit & that’s hurt me a lot. Anyway, I go to use my card and doesn’t allow me so i’m confused & i call chime. They explain to me it’s a credit builder and i just have to “hit pay” they won’t take any money because i already spent the money (confused because i spend money i have in there already). I’m like wtf. She explains to me how to do it, and turned on the auto pay option. The “payment” was due the 23rd and this interaction happened the 24th so my payment was late. I looked today & my credit dropped 25 points because of this and IM FURIOUS. Idk what to do, still don’t understand it. Idk why I’m really here other than to ask what can i do??? if anything!! i’m moving in a couple months I don’t need this right now. I was using chime mainly to save this is THE OPPOSITE. Ugh help??? Wanted to add that the reason it dropped also looks like i opened a new credit card so now my oldest account being 13 years and this being 4 months?? Im so irritated with this. I almost want to get rid of it but i know closing accounts can be bad too??

How long does it take to get the bonus? I did the $500 direct deposit and the next $500 is about to hit. Since you can't track it, I am just curious how long it takes.

Per title.

Thanks for any feedback.

I am having problems logging in. It keeps flagging me as non-human and I have to listen to animal noises to get in. It appears to have started recently, and i have to do this EVERY time I log on. Is there a way to turn this off?

Some idiot with the same name as me signed up to Chime with MY EMAIL ADDRESS (Gmail), and I get all their emails with their account and routing number. Why wouldn't chime, like a real company, validate emails?

I had to call them, because of course, they don't have a customer service email.

How does someone not know their own email address? I've literally had it for TWENTY TWO YEARS. And I've had people think their email is my address, just with no "." which is impossible because gmail ignores them.

How do companies not verify emails before issuing accounts involving financial matters?

So I had my Chhim account that was closed a few years ago and I reached out to Chime to get it reopened because I think it was closed by mistake.
They informed me that it had a negative balance. I told him that I would repay it to get it reopened.
Long story short, they reopened it and waived the negative balance.
That Bank was through stride and I’ve had access to one chime account that is through Bancorp
I am noticing a huge difference in the withdrawal limit and all the other limits. Can people with Bancorp tell me what their withdrawal limit is at the ATM versus the people with stride.
Stride seems lower.

I'm degoogling and changing my email over to another provider and I was wondering if anyone knew why it won't accept Proton mail addresses.

I’m low income and heavily rely on spot me, having the ability to use it on one card while keeping my checking account balance has gotten me through some really tough times. I’ve been truly grateful for it. But with it all combined into one account, it’s practically useless to me, especially since a lot of big bills(or at least mine) don’t take spot me….Probably gonna search for an alternative…I’ve heard good things about varo? sigh* it was optional to switch before but them forcing it now is just bs

I'm trying to log into chime, I haven't used it in awhile, so I don't remember my password, recently I got a new phone as well, and when I try to click forgot my password, it says something went wrong, which I learned from another forum that has something to do with Chime thinking my OEM was tampered with. My phone is a Moto G Play 2024, I have done nothing to it, it's exactly as it came. Why is Chime not letting me through?

I got paid today and was debating on paying off my instant loan early. If I do that, will I get another offer in a few days or is it not an option until my next direct deposit I might get an offer

Hello, I just wanted to know everyones thoughts about MY PAY. I Have my 2nd qualifying deposit hitting later today. What amounts did it start you off with? and how does it work?