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

Chime® vs Chase Mobile®

Chime® 4.8★ · Free to download 70
Winner Tie
Chase Mobile® 4.8★ · Free to download 70

Chime is better for those focused on credit building and early direct deposits, while Chase Mobile offers a more traditional banking experience with a robust app for managing various accounts.

Full reviews: Chime® · Chase Mobile®

Chime excels with features like early direct deposit and credit building, but faces significant user complaints about fraud protection and customer service. Chase Mobile provides a comprehensive banking app, though some users report issues with specific features and customer support responsiveness.

Head to head

Features edge: Chime®R2R6R9R18
Chime® Chime users highly value early direct deposit and the credit builder card, which helps improve credit scores R2R19R33. The 'Spot Me' feature is also appreciated for unexpected costs R33. However, some find 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 'my pay advance' R9.
Chase Mobile® Chase Mobile offers a wide range of features for managing various accounts, including personal and business . Users appreciate the ability to move money between accounts, make deposits, and use Zelle R77. However, some features like 'Chase Pay in 4' have been removed or are inaccessible for some long-term customers . There are also complaints about the travel feature and issues with autopay not working correctly .
Ease of Use tieR8R12R22R28
Chime® Many Chime users find the app 'easy to use' and navigate R8R12. They appreciate the simplicity of managing money in one place R12 and the user-friendly layout . However, some users experience technical issues like Face ID not working and needing to constantly log out and back in R22. There are also complaints about initial setup difficulties R28.
Chase Mobile® Chase Mobile is often described as 'easy to use' and navigate . Users like the ability to customize their home page and quickly access balances . Conversely, some find the app 'not very user friendly' and report issues with forced updates on older phones , font size changes , and credit cards being hidden .
Reliability and Security edge: Chase Mobile®R1R2R4R7
Chime® Chime is praised by some as 'very reliable' R2 and the 'best online banking app' . However, a significant number of reviews highlight serious concerns about security and fraud protection, with users reporting money being taken secretly R4, being scammed R7R10R16, and Chime failing to help when money is stolen R1R7R16. There are also reports of direct deposits being delayed or not received and transactions going through on cancelled cards .
Chase Mobile® Chase Mobile users generally trust the app for security . However, some users report issues with fixed amount auto payments causing triple payments and autopay features not working, leading to late fees . There are also complaints about unauthorized charges and the app not fully protecting users when cards are blocked or replaced, as digital wallets may still function .
Customer Support tieR7R10R15R16
Chime® Chime's customer service receives overwhelmingly negative feedback, with users calling it 'terrible' , 'useless' , and reporting difficulty reaching a live person R15R23. Many users state that support does not help with scam or dispute resolution R7R10R16.
Chase Mobile® Chase Mobile's customer service also receives criticism, with users calling it 'useless' and 'horrible' . Users express frustration with AI bot responses that don't help and a lack of live chat support . Some long-term customers report not getting answers regarding specific features .
Price/Value edge: Chime®R2R9R18R19
Chime® Chime is praised for being 'fee free' R19 and offering good interest on savings R2. Users appreciate perks and rewards R9 and the value of the credit builder program R2R19R23R33. However, some users report not receiving promised referral bonuses R18 and issues with 'my pay advance' holding money hostage R9.
Chase Mobile® Chase Mobile users generally find value in the comprehensive banking services. However, there are complaints about 'too much Annual fees' R63 and 'predatory over draft fees' R99. Some users feel they don't get 'good benefits' or that APYs 'suck' .
Pick Chime® if

you are looking to build or rebuild credit, value early direct deposits, and appreciate a fee-free banking experience with savings interest R2R19R33.

Pick Chase Mobile® if

you prefer a traditional bank with a comprehensive mobile app to manage multiple accounts (personal, business), and prioritize established banking services R77.

Evidence note: Chime has a significant number of negative reviews regarding fraud protection and customer service, which contrasts with its high lifetime rating. Many positive reviews for Chime focus on specific features like early direct deposit and credit building, while negative reviews often detail serious financial losses and poor support.

Frequently asked

Is Chime a real bank and is it FDIC insured?
Chime is not a bank itself, but its banking services are provided by partners like The Bancorp Bank or Stride Bank, N.A., which are FDIC insured R52.
Does Chime offer early direct deposit?
Yes, many Chime users highlight getting paid two days early as a major benefit R2R33.
Can Chime help improve my credit score?
Yes, Chime offers a Credit Builder card that users report has helped them significantly improve their credit scores, sometimes by as much as 100 points in less than a year R2R19R23R33.
Does Chase Mobile have Zelle integration?
Yes, Chase Mobile allows users to send and receive transactions through Zelle R77.
Are there fees associated with Chase Mobile?
Some Chase Mobile users report high annual fees and predatory overdraft fees R63R99.

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. [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!
  6. [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
  7. [R22] Chime® 1/5 · US App issues: My Face ID will no longer work and I constantly have to logout and re login for the app to work at all. Plz fix this issue.
  8. [R28] Chime® 1/5 · US Worst banking experience ever: This is the worst app for finances ever created. From the moment you download and setup the app, it’s one issue after another. First it’s issues with adding a debit card, then it’s “you have to activate your chime card in order to use literally anything to do with the app itself”, and even then it won’t let you activate your chime card. I’m never using this app ever
  9. [R1] Chime® 1/5 · US Trash: Stick to a real bank. Chime does not help you when people take your money
  10. [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!!!
  11. [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
  12. [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
  13. [R15] Chime® 3/5 · US Customer Service: There’s no way to contact anyone at chime unless you Google the customer service number
  14. [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
  15. [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!
  16. [R52] Chime® 1/5 · US Chime is not a bank.: Chime isn’t a bank, be careful. It’s not FDIC insured because CHIME isn’t a bank.
  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. [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
  19. [R77] Chase Mobile® 5/5 · US No Complaints: This app is easy! I can move money between accounts, make deposits & receive transactions thru Zelle. It’s a “Do it All App!”
  20. [R63] Chase Mobile® 3/5 · US Too much Annual fees: $150 annual fees is a lot not worth using it. I will Close the account before next annual charge.
  21. [R99] Chase Mobile® 1/5 · US Predatory Fees: Chase has high predatory over draft fees.

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