I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature almost as if they are encouraging it. The SpotMe feature kind of feels like a gimmick. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. You can open a checking and savings account just as you would with any other banking service. Total robbery! Moving forward I hope one day chime can change this because you guys are awesome, I love you guys, and I am going to continue on this wonderful service that you have provided for me from now and it the future and so on and so forth 😂 Show moreĬhime is just what you would expect out of a bank.

This is an entire issue to me especially when I’m depositing for example $60 and before you know it I’m actually depositing $60 but I have to shell out an additional $5 dollars just to pay for the fee for depositing my money into Chime. Somewhere along the line that had to stop and ever since then I’ve had to pay at the locations that I go to between CVS and Walgreens a fee of $4.95. Before all this I used to go to Walgreens do my deposit at the register, and there was no fee whatsoever for doing so. Now the only problem that I have is being charged a fee when depositing my cash at the selected locations available for Chime customers. This is were I believe Chime excels through their app in so many ways. Don’t get me wrong, there’s nothing wrong with going into a bank and handling business, but I’m a very simple individual and I don’t need all of that. Everything about Chime is exactly what I was looking for, especially the zero anxiety of dealing with someone face-to-face.

I can honestly say I really enjoy the service that chime has given me since I’ve started.

Chime reviews direct deposit