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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Chime® vs Bank of America Mobile Banking

Chime® 4.8★ · Free to download 75
Winner Chime®
Bank of America Mobile Banking 4.8★ · Free to download 50

Chime® is better for users seeking early direct deposit, credit building features, and a user-friendly interface, while Bank of America Mobile Banking struggles with app reliability and customer service.

Full reviews: Chime® · Bank of America Mobile Banking

Chime® offers strong features like early direct deposit and credit building, though some users report issues with scam protection and customer service. Bank of America Mobile Banking faces significant challenges with app stability, login problems, and poor customer support, despite its established banking services.

Head to head

Features edge: Chime®R2R6R9R18
Chime® Chime® users appreciate features like early direct deposit, interest on savings, and a credit builder card that has helped improve credit scores R2R19R33. Some also find the 'Spot Me' feature helpful for unexpected costs R33. However, some users feel the app has 'too much going on' with promos and multiple cards R6, and there are complaints about referral bonuses not being received R18 and issues with a 'pay advance' feature R9.
Bank of America Mobile Banking Bank of America Mobile Banking offers standard banking features, with some users praising its comprehensive nature and budgeting tools . However, many users report issues with specific functionalities, such as difficulty paying credit cards , problems with mobile check deposits , and the absence of outbound ACH transfers . The 'Erica' AI assistant is described as 'useless' , and some dislike the new rewards feature .
Ease of Use edge: Chime®R3R8R12R17
Chime® Chime® is generally praised for being 'easy to use' and navigate R8R12. Users find it simple to set up R17 and manage money in one place R12. However, some recent updates have caused issues, such as combining cards and requiring re-setup of billing arrangements R3, and problems with Face ID . One user also reported issues with their 'preferred' name causing tax return delays .
Bank of America Mobile Banking Bank of America Mobile Banking receives numerous complaints about its ease of use. Many users describe the app as 'clunky, slow' , 'buggy and bad' , and 'not at all user friendly' . Frequent issues include blank screens after logging in R73R77, Face ID constantly breaking or not working R63R77, and forced updates that disrupt functionality R63. Some find navigating the app a 'nightmare' and paying bills difficult .
Reliability edge: Chime®R2R4R12R34
Chime® Chime® is described by some as 'very reliable' and 'never fails to impress' R2. Deposits are generally quick R12. However, a significant number of recent reviews highlight major reliability concerns, including money being taken out secretly R4, accounts being hacked , transactions going through after cards are cancelled R34, and direct deposits being delayed or not received . There are also reports of ACH holds preventing access to funds and issues with check deposits .
Bank of America Mobile Banking Bank of America Mobile Banking users report frequent and severe reliability issues. The app often gets stuck on a blank screen after login R73R77 or fails to load at all . Many experience problems with Face ID R63R77 and forced updates that break functionality R63. Mobile check deposits are frequently reported as not working . Some users also note slow transaction posting times and issues with alerts not displaying within the app .
Price/Value edge: Chime®R2R5R9R13
Chime® Chime® is praised for being 'fee free' R19 and offering benefits like interest on savings R2 and cash back R19. Many consider it a 'great application' for banking R5. However, some users feel that promotional offers, such as referral bonuses, are not honored R13R18. There are also complaints about the 'my pay advance' feature effectively holding money hostage R9 and causing NSF fees if not managed carefully .
Bank of America Mobile Banking Bank of America Mobile Banking is free to download, but reviews do not extensively discuss specific pricing or value propositions beyond general banking services. Some users express frustration with the app's poor functionality, which diminishes its value . There are also complaints about the app consuming a significant amount of storage , which some users consider unacceptable for a banking app.
Support tieR1R7R10R15
Chime® Chime®'s customer service receives overwhelmingly negative feedback. Users report that Chime does not help when money is stolen or scammed R1R7R10R16. Many describe customer service as 'terrible' , with representatives hanging up or being unhelpful . It's noted that there's no easy way to contact support without Googling a number R15, and some users have difficulty talking to a live person R23.
Bank of America Mobile Banking Bank of America Mobile Banking also faces severe criticism for its customer support. Users describe it as 'horrendous' , 'awful' , and 'pathetic' . Complaints include long wait times , being transferred repeatedly without resolution , and support being dismissive . The in-app chat support is specifically called out as 'remarkably awful' . Some users feel the bank's security and alert system are inferior to competitors .
Pick Chime® if

you prioritize early direct deposit, credit building tools, and a generally user-friendly app experience, and are willing to navigate potential customer service challenges regarding fraud or disputes R2R19R33.

Pick Bank of America Mobile Banking if

you are already a Bank of America customer and need to manage existing accounts, and are prepared to tolerate frequent app glitches, login issues, and poor customer support R73R77.

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show significant negative sentiment, particularly regarding app functionality and customer service. Chime's negative reviews frequently mention issues with scams and dispute resolution, while Bank of America's focus more on app instability and login problems.

Frequently asked

Does Chime® offer early direct deposit?
Yes, Chime® offers a two-day early direct deposit feature, which many users find to be a significant benefit R2R33.
Is Chime® good for building credit?
Yes, Chime® offers a credit builder card that has helped many users improve their credit scores, with some reporting a 100-point increase in less than a year R2R19R23R33.
Are there issues with Bank of America Mobile Banking's login?
Yes, many Bank of America Mobile Banking users report persistent issues with logging in, including blank screens after Face ID R73R77 and being forced to reset passwords frequently R63R95.
How is customer support for Chime® and Bank of America Mobile Banking?
Both Chime® and Bank of America Mobile Banking receive extensive negative feedback regarding their customer support, with users reporting unhelpful representatives, long wait times, and difficulty resolving issues like fraud or account problems (R1, R7, R10, R16, , , , for Chime; , , , for Bank of America).

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R2] Chime® 5/5 · US Rating: Excellent app for banking great way to make interest on your savings!! Also two day early deposit is AMAZING!!! Another thing the credit builder card is helpful for people like me who ruined their own credit. You have the chance to build it back up! Very reliable best online banking app!!
  2. [R6] Chime® 3/5 · US Too much: App has too much going on like information promos n all that its kinda exhausting, n that direct deposit promo, is crazy with all that they ask for, let alone all those cards (4), its like too much, too bad im banned from cash app so im stuck here with 4 cards. Weird but whatever too each their own.
  3. [R9] Chime® 3/5 · US A good online banking service: We’ve had chime for close to ten years, and overall it has been ok. They have great perks and rewards. A few issues. One is the my pay advance. If you borrow from it and pay it back immediately with your direct deposit, you should not have to wait a week to take the same amount back or 58 a day. It can really mess your account up, so be aware if you use it. Also if y
  4. [R18] Chime® 1/5 · US Referral bonus never received: Deposited over $1200 but never received my referral bonus. Feels like scam
  5. [R3] Chime® 3/5 · US Decent banking app: Pretty good but not the best. It’ll get the job done for most of us although there are some concerning aspects of this app which should be addressed. For example, this new chime card thing takes both your previous cards and combines them into 1. So then, if you had previous billing arrangements set up with the original credit builder card - it has to be setup again otherwise
  6. [R8] Chime® 5/5 · US Chime is so easy to use!: If you need to put money on your chime card, you just go to Walgreens and visit someone at a register and they will assist you!
  7. [R12] Chime® 3/5 · US Features I’d like to see: I’ve had a good overall experience using the Chime app. It’s easy to navigate, deposits post quickly, and I like the simplicity of managing my money in one place. That said, there are a few improvements I’d love to see. I would like my running balance shown next to every transaction so I can easily track spending at a glance. It would also be helpful to see exactly which
  8. [R17] Chime® 5/5 · US So handy..!: I love how easy it is to set up, also there are several chime atm near me and i live in a small town.
  9. [R4] Chime® 1/5 · US Scam: If I can give chime a zero I would … chime been taking money out my account secretly! They were about to take 186 dollars out of my account from “SAMS club” mind you I do not have a SAMS club card! Then they been taking 10 dollars a week from a game I do not even play. I’ve been with chime for 2 years and I have never had this problem until now chime get yall stuff together!!!
  10. [R34] Chime® 1/5 · US Transactions: It’s not great when you’ve cancelled the card and replaced the card and still have transactions going through on the account by the card?!
  11. [R5] Chime® 5/5 · US Great application: Super great for banking! I highly recommend chime for anyone into banking. One of the best applications ever.
  12. [R13] Chime® 1/5 · US They lied: I was pose to get 200 with a direct deposit n did not for first time user
  13. [R1] Chime® 1/5 · US Trash: Stick to a real bank. Chime does not help you when people take your money
  14. [R7] Chime® 1/5 · US Scam: So I was scammed out of money I called chime to help and they said there was nothing they could do and that I needed to contact my bank so I called my bank they decided to side with chime and gave chime back the money but yet chime still has my account as negative for the amount that my bank gave back to chime and then chime said even though they got their money back they still expect me to
  15. [R10] Chime® 2/5 · US #Avoid: Once upon a time…a charming banking app was created. People joined it enthusiastically. Scammers smirked as they realized the company had created an unsecured realm for them to steal people’s money. The company’s AI bot and overseas customer service watched an otherwise tranquil world turn into a dark land full of shady, predatory scammers. They tried to convince the people to stay. But
  16. [R15] Chime® 3/5 · US Customer Service: There’s no way to contact anyone at chime unless you Google the customer service number
  17. [R33] Chime® 5/5 · US Chime: I Love banking with Chime. I love the “spot me” feature because sometimes I need a bit extra when unexpected costs hit, like car trouble. Getting paid two days earlier… important! Chime has also helped me improve my credit over 40 pts so far!
  18. [R19] Chime® 5/5 · US The only way to Bank!: I just used their card for everyday purchases: gas, bills, groceries, etc. and after less than a year, my credit score has climbed 100 points! Fee free?! How can you beat it? And now, I get 2% cash back on a category I choose monthly! They just keep raising the bar!
  19. [R23] Chime® 4/5 · US Helpful: I’ve had chime for a few years now. Since I got on the credit builder program I have seen a big improvement. It has helped me get by. I have had no issues other than not being able to talk to a live person when you have a problem. I have a local bank for check cashing purposes because that’s the one thing I had issues with when I first joined chime so I eliminated the problem. But most of
  20. [R63] Bank of America Mobile Banking 3/5 · US PITA: Every update messes up my app, now it won’t let me use FaceID and keeps trying to have me reset my password. It’s a hassle every time I try and open it.
  21. [R73] Bank of America Mobile Banking 1/5 · US Blank screen after logging in: I have been experiencing a blank screen when I log into the mobile app in my iPhone 17, running the latest IOS. This has been going on for months. BofA support basically told me to uninstall the app, restart my iPhone and then reinstall the app. I’ve done this multiple times and it works for a while and then back to a blank screen upon logging in. It’s disgraceful fo
  22. [R77] Bank of America Mobile Banking 1/5 · US Soo frustrating: 80% of the time I login to my account to a blank screen. Something is wrong with the FaceID and login process
  23. [R95] Bank of America Mobile Banking 1/5 · US App isn’t working!: Every time I try to sign in I am directed to change my password and it won’t allow me to sign into my bank account at all!
  24. [R16] Chime® 1/5 · US They suck: They let people scam you. For instance I had this merchant say I didn’t pay for this service but I did I went to the merchant to get it refunded they said they dont do that only the bank that you used so from there chime made me put a dispute in it got denied the first time so I didn’t it again they said they needed proof so I put up proof it’s been months sense then now they are tryin

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store