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Chime bank


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22 replies to this topic

#1 cboogienyc

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Posted 21 September 2016 - 12:55 AM

This is my go to bank you can pay your bills using your account and routing number direct deposit posts in a flash I use PayPal alot to get money from friends and family my money I withdraw my money from chime bank at about 2 pm money is posted in my account by midnight or before I really have not seen anyone talk about chime on here... They also have automatic savings they round up your purchases and round that to the nearest dollar and deposit it into a savings account... Zero fees app is great no atm fees aslong as you stay in network atms ... They also offer cash back for shopping at certain stores I use chime with Apple pay also can link to your target red card and I use to get money with square cash since it is a regular bank debit card any question ask me I will get you asap ...join here www.chimecard.com/join/am20117-8



#2 tmcgill

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Posted 21 September 2016 - 08:52 AM

With a second chance bank or credit union, the objective is to look at these considerations:

 

1.  Approvals: What is the process? Do they use Chexsystems, Telecheck, Early Warning Services, or run a hard or soft pull?

2.  Fee Structure and Services: What banking services do they provide and what is the cost?

3.  Location Base. Do they accept new applicants nationally, or is there a geographical limit or membership requirements?

4.  Ongoing Complaints. I search online for consistent complaints about their services and operations.

 

I will research Chime and post my findings.


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#3 rosy29

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Posted 08 October 2016 - 01:14 PM

I have done some pretty extensive research on Chime.  It is a prepaid card backed by the Bancorp Bank.

 

I specifically asked them where their CS call center was located and was told ir was located in Cali. Big plus for me since I  am done with CS outside of US, read GoBank mess.

 

Anyway, I am moving all my deposits to them.


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#4 tmcgill

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Posted 09 October 2016 - 10:25 AM

Keep us updated on Chime.


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#5 higher180

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Posted 28 December 2016 - 09:25 PM

I have had an account for well over a year with Chime.  I am also in chex systems and have been for over a year.  Yes, it's a prepaid account, but they have been making strides to become an online bank.  They now allow you to make ACH withdrawls out of the account.  I know that's hard to find for prepaid accounts.  They have a savings account where you can have your debit purchases round up and transfer to the savings.  They will match 10% weekly.  I have made a little money that way.  Plus, they offer deals like Amex offers. I have message them on twitter about adding remote deposit and they said it's in the pipeline.  They have been great and no problems.  Some cons would be no online check depsoit and little to no interest on savings, and they need to work on their ATM network a bit.


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#6 tmcgill

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Posted 29 December 2016 - 09:00 AM

Thank you for the update.

 

With any recent banking opportunity, it is always good to monitor for complaints and issues. It helps anyone looking for an account to make an informed decision. I always look for multiple, consistent complaints. There will always be account holders who may have an issue, but the same, consistent complaints are a red flag to consider. I also look for recent issues, because often new banks will improve or upgrade existing services.

 

Some online posts regarding Chime Bank (Bancorp):

http://www.hissingki...epartment/chime

http://www.ripoffrep...nternet-1329019

http://milestomemori...e-card-changes/


Edited by tmcgill, 29 December 2016 - 09:01 AM.

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#7 higher180

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Posted 29 December 2016 - 03:12 PM

I very much agree. I have had no problems with them, and I found when I had an issue they were very reasonable. You post links that show others have had issues, so they are certainly not perfect. That does need to be considered if you want to give them your business. I hope they fix these issues because IMHO they are one of the better online prepaid accounts out there

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#8 tmcgill

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Posted 29 December 2016 - 06:01 PM

**Adding Chime to the second-chance list.


Edited by tmcgill, 29 December 2016 - 06:01 PM.

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#9 iCarl

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Posted 30 December 2016 - 03:05 AM

Nope. Can't suggest Chime. They thought I was money-laundering because I was withdrawing from ATMs multiple times a day. I used it as my casino-stash account.
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#10 tmcgill

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Posted 30 December 2016 - 12:10 PM

Possibly, the casino withdrawals triggered some type of security alert in their system.

What did they say when you contacted them?


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#11 KingHeart

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Posted 30 December 2016 - 01:11 PM

I usually don't post on here but this would be the perfect time to add my two cents. Ive had my Chime card now going on 3 years and haven't had any issues since opening it. I very recently started back using the card as a budget tool and notice alot of checking account like features, like the option to do ach debits and online billpay.

No monthly maintenances fee
Fee MoneyPass ATM network

Of course people who have issues with these kind of accounts, usually fail to tell the whole story but that's internet life for u. I will be putting alot of heavy use on this card in the next 60 days and will report back if my account was interrupted in anyway.

I'm not a fan of prepaid cards but I think this maybe a legitimate alternative for those of us on chexsystem and ews.

Hope this helps.
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#12 tmcgill

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Posted 30 December 2016 - 01:40 PM

Thanks; a lot of helpful info. The MoneyPass network is a big plus.


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#13 stevensmileyx

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Posted 30 December 2016 - 05:01 PM

I would like to contribute as well. I think its important to remember that with prepaid products we should expect outsourcing on customer service - especially when they aren't charging outrageous fees and giving you free atm network withdrawals. Its a way to save money. I have the card. I like it.

 

The reviews I have read are normal transaction problems I have had even with a regular bank. My local bank doesn't even compare to the features this card has. They have a cool feature to instantly block purchases on your card should you lose it, and also it works like a bank account in the effect that they will give you a routing number and account number for ACH debits - something I have yet to see on other cards.

 

The bottom line is that if your not making risky purchases and don't have a lot of extras that you need to be calling customer service for - your in the clear. Errors happen with transactions sometimes when they go pending and the amount is later cleared - its a risk of having any card. 

 

I agree that remote deposit should be an option, and the check writing feature needs some improvements and everyone could always use better customer service .. but this is a superior product and I won't be getting rid of them.


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#14 higher180

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Posted 01 January 2017 - 03:47 PM

I would like to contribute as well. I think its important to remember that with prepaid products we should expect outsourcing on customer service - especially when they aren't charging outrageous fees and giving you free atm network withdrawals. Its a way to save money. I have the card. I like it.
 
The reviews I have read are normal transaction problems I have had even with a regular bank. My local bank doesn't even compare to the features this card has. They have a cool feature to instantly block purchases on your card should you lose it, and also it works like a bank account in the effect that they will give you a routing number and account number for ACH debits - something I have yet to see on other cards.
 
The bottom line is that if your not making risky purchases and don't have a lot of extras that you need to be calling customer service for - your in the clear. Errors happen with transactions sometimes when they go pending and the amount is later cleared - its a risk of having any card. 
 
I agree that remote deposit should be an option, and the check writing feature needs some improvements and everyone could always use better customer service .. but this is a superior product and I won't be getting rid of them.

The check writing feature does need work. I would like a better bill pay system, but it's not a deal breaker.

As for remote deposit, I use Bluebird to deposit checks and when they clear transfer them to Chime. I will use that until Chime has remote deposit.

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#15 stevensmileyx

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Posted 06 January 2017 - 12:06 AM

I think everyone should be aware that majority of prepaid card users utilize Ingo Money app to cash checks - exactly what Amex uses for bluebird. If you download the Ingo money app you can actually add your Chime card to the app and cash checks through Ingo app and the money will instantly go into your chime card. The only difference between this and doing it through bluebird is that with the Ingo app you actually get to choose where your money goes. Its the same exact company all these prepaid cards use and have integrated into their own apps.

 

So essentially, Chime does have check cashing - but yet you would have to use a different app for that. Which I personally like because I can choose where the money goes once the check is cashed.

 

Im trying to jog my memory to remember any prepaid card that has an OUTSTANDING bill pay service. 


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#16 tmcgill

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Posted 06 January 2017 - 09:13 AM

Good info - :good:

 

Weighing the pros and cons, I've added Chime to the list of second-chance accounts. Send any updates regarding Ingo. I'll research it as well.

(I can't think of any prepaid that has outstanding bill pay - fair perhaps - but not outstanding).


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#17 PlatinumRides

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Posted 27 February 2017 - 09:32 PM

I was declined for Chime bank.  They haven't given me a reason yet. They must use some combination of chex, ews, telecheck.  Hopefully we can find out.


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#18 stevensmileyx

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Posted 28 February 2017 - 01:38 AM

The only time I know of that prepaid cards will deny like this is not because of those companies, but because of the inability to verify your identity. Def. find out why.


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#19 tmcgill

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Posted 28 February 2017 - 10:59 AM

PlatinumRides - They have to give the name of the CRA they used for the denial. Prepaids will often deny for these reasons:

 

1.)  Identity - As stevensmileyx posted, there is an identity conflict. They are unable to fully verify your information using their verification source.

2.)  Negative History - If you have negative history with the bank issuing the card.
      ** (This happened to me with BBVA's prepaid. I had a previous negative account with Compass Bank).

3.   Fraud Alert - Their verification source has some type of fraud or security alert for your information.

 

Contact them and get the source - to review and verify what's being reported about you.


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#20 stevensmileyx

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Posted 16 March 2017 - 11:51 PM

Chime Bank now has mobile check deposits. I am unaware of the possible third party that might do verifications or clearing for their mobile check service, however this addition to their card makes it the ultimate choice for the unbanked.

 

-No monthly fees

-Saving Account / Round Up options

-No ATM fees at a lot of ATM's

-Awesome App - block card instantly, transfer funds from a debit card to your account instantly. 

-Mobile Check Deposit

-Direct Debit: They provide a Routing Number / Account number for Direct Deposit and ACH debits to pay your bills electronically.

-Checkbook option: Send a check to anyone you need to for free using 'Chime Checkbook'.

 

Awesome card. I have a bank account, but i find myself using this Chime card more often then my own account. I feel like I am in complete control. 


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#21 tmcgill

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Posted 22 March 2017 - 07:24 AM

Good development; keep us updated on service or account issues.


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#22 higher180

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Posted 23 March 2017 - 09:20 PM

Chime Bank now has mobile check deposits. I am unaware of the possible third party that might do verifications or clearing for their mobile check service, however this addition to their card makes it the ultimate choice for the unbanked.

 

-No monthly fees

-Saving Account / Round Up options

-No ATM fees at a lot of ATM's

-Awesome App - block card instantly, transfer funds from a debit card to your account instantly. 

-Mobile Check Deposit

-Direct Debit: They provide a Routing Number / Account number for Direct Deposit and ACH debits to pay your bills electronically.

-Checkbook option: Send a check to anyone you need to for free using 'Chime Checkbook'.

 

Awesome card. I have a bank account, but i find myself using this Chime card more often then my own account. I feel like I am in complete control. 

 

They do have mobile check deposit now, but I have been having issues with it such as the screen is way smaller than my check and it's not allowing me to click "capture"  I have emailed customer service about it twice and they seem to think it's my phone, but I don't have problem with using Bluebird to deposit checks.  I am hoping they fix the app soon so I can use them instead of using another app to deposit money.


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#23 tmcgill

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Posted 24 March 2017 - 09:52 AM

Yes, I think it is the app. I had a similar problem with Ally mobile deposit before the app was upgraded.


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