I think the Chime app could be great but it's still falling short on a lot of features. What do you guys think? ***Questions Answered*** Pros and Cons of the Chime App Online Bank Customer service: 844-244-6363 1. ask how they get direct deposit is from the employer or is it them leveraging the money. - They just don't hold on to the money and deposit as soon as they recieve it from your employer. 2. Cash deposits Nope and if they do it's with Green Dot and that cost around 4.95 to deposit cash. 3. The interest rate of savings .01% ridiculous 4. How do you make money if no fees Debit card transactions and also interest on the account 5. How does cash back work, affiliates By buying products with affiliated retailers. 6. Customers service 24/7? Email and not phone calls, its a robot. 7. Atm fees do you think you'll reimburse in the future. No answer, but currently no reimbursements 8. Venmo, Zelle Nope. 9. Checks Nope, theyll write it on your behalf and then send it 10. Foreign transactions: I like vacations None, but visa does charge it. Pros 1. Early Paycheck: you get paid two days early 2. No Hidden Fees: Monthly fees, Hidden fees, Required minimum balance 3. Auto savings: Rounds ups with your spending: I love this to 4. Take Money from your check and automatically save it: I really like this 5. Great Educational Articles to help the customers ( one of the best I’ve seen, whoever works there, I need someone to manage my website contacts me) 6. FdCi Insured always good Cons 1. No Cashback 2. Savings accounts 3. Cash deposits 4. Limites 5. Bad habits 6. Atm Fee on top of the fee the atm charges: so they’ll take 2.50 Either three things will Happen: 1. You’ll dominate this market but your users will never amount to much 2. You can make more money by offering perks 3. They’ll just use it for the 2-day early check and nothing else I think: advice 1. Chime can lose half its customer base if not all if varo or sofi started offering early paychecks. They would have nothing to keep customers. 2. Raise the savings ( give people a reason to park their money) 3. Cashback ( so they can spend more) 4. Reimburse atm fees and let people deposit for free. If you do this, your revenue will go up & and people would have no reason to go somewhere elsePros and Cons of the Chime App Online Bank Customer service: 844-244-6363 1. ask how they get direct deposit is from the employer or is it them leveraging the money. - They just don't hold on to the money and deposit as soon as they recieve it from your employer. 2. Cash deposits Nope and if they do it's with Green Dot and that cost around 4.95 to deposit cash. 3. The interest rate of savings .01% ridiculous 4. How do you make money if no fees Debit card transactions and also interest on the account 5. How does cash back work, affiliates By buying products with affiliated retailers. 6. Customers service 24/7? Email and not phone calls, its a robot. 7. Atm fees do you think you'll reimburse in the future. No answer, but currently no reimbursements 8. Venmo, Zelle Nope. 9. Checks Nope, theyll write it on your behalf and then send it 10. Foreign transactions: I like vacations None, but visa does charge it. Pros 1. Early Paycheck: you get paid two days early 2. No Hidden Fees: Monthly fees, Hidden fees, Required minimum balance 3. Auto savings: Rounds ups with your spending: I love this to 4. Take Money from your check and automatically save it: I really like this 5. Great Educational Articles to help the customers ( one of the best I’ve seen, whoever works there, I need someone to manage my website contacts me) 6. FdCi Insured always good Cons 1. No Cashback 2. Savings accounts 3. Cash deposits 4. Limites 5. Bad habits 6. Atm Fee on top of the fee the atm charges: so they’ll take 2.50 Either three things will Happen: 1. You’ll dominate this market but your users will never amount to much 2. You can make more money by offering perks 3. They’ll just use it for the 2-day early check and nothing else I think: advice 1. Chime can lose half its customer base if not all if varo or sofi started offering early paychecks. They would have nothing to keep customers. 2. Raise the savings ( give people a reason to park their money) 3. Cashback ( so they can spend more) 4. Reimburse atm fees and let people deposit for free. If you do this, your revenue will go up & and people would have no reason to go somewhere else
I actually have this card and have had it for sround 4 years and i earn interest on my savings and i can use it anywhere....its a banking app...and i did get my sign up bonus after people sign up and actually got direct deposit...
Chime app crashed yesterday and all customer have been unable access their funds for almost 24 hours. Chime is not good to keep all of your money in maybe just spending money for shopping online but never as your main bank.
I have chime for two yrs now and never have a problem
4 ปีที่แล้ว +1
um the last time they "crashed" they gave all their customer $5 or $10. i forgot but they paid us for the crash. and they've added some extra features now. member.chimebank.com/join/shantegrayer
Tommy you are filling a void in the YT world. You provide no-fluff reviews, valuable information, and are not trying to shove affiliate links down our throats. Stand-up TH-camrs like yourself are hard to come by. I see you at 500,000 subs in very short order. Salute brother 💪
Step by step and I see this channel at a million. I’m going to time stamp this comment and take a look at it again in the next year or 18 months. What do you think is going to happen by then ?
@@TommyBryson I agree 100%. My 500,000 affirmation was just the beginning. I see that happening in very short order. Of course, you will have 1 million + subs when it's all said and done. 💯
@@brbarlow195 it denied me from joining and I switched the email that I use with capital One with the one I don't affiliate with any bank and then it worked
@@TommyBryson ALLY is better than Varo with more assets to back in case something happen. No mothly fees, savings great for if you want a home in the future. Supported by the FDIC www.depositaccounts.com/banks/ally-bank.html
I have read and heard on here that chime lock you out of acct checking and direct deposite for no explain reason let me know what know on this part ???
So I’ve been waiting 36 hours for my direct deposit to go through and they answered all my questions about the direct the same I’m quitting chime getting a real bank
Christopher Ewing that sucks ,, me and 9 other people I also know who use chime never ever had a problem with direct deposit it always goes In on time .
there is a book titled "america's cheapest family" that shows instructions how to set up a budget. I am no better myself, I also live paycheck to paycheck. But I like how this book explains this topic.
I was with bank of America for 19 years, my first bank account ever... Switched to chime and no problems. Depositing cash can be a hassle, but I RARELY needed to do that when I had BofA. This video and your responses make me feel like you do have an agenda 🤷🏽♀️ and you're very passionate about it. Chime customer's do get through to chime customer service, rather promptly in my personal experience... And I have acorns, it's great too. This video was more a bash on chime, kinda weird.
Also pushing Varo and that 2.8% APY, which you have to qualify for by making 5 purchases a month with your varo debit card, have a direct deposit of $1k a month, and no more than $50k in your savings account. Otherwise the interest rate is 1.92% APY
Why has Chime suspended my account after all of my UI benefits posted? I only got the damn Card cause govt said I need an alternative route to receive my UI benefits. I checked reviews and they were horrible! They have closed people apps for no reason and no refunds! I'm nervous! Long story short CHIME SUCKS SO BAD!!!
Well, so far it’s been cool having the card... I didn’t have an issue getting a live person. I’m supposed to submit my time card on Sundays, forgot to do it until a Tuesday, it was approved on a Wednesday & I got paid on Thursday... as far as getting paid early, there’s credit unions that does the same & charge maintenance fees & over draft fees even if you go over $3 on your account, you have to pay $35 as a penalty. Chime allows the customer to overdraft & takes the amount that’s overdrawn. It also have fee free ATMs & you can add cash to the card as well... I’ve tried it all out to see if actually works & I have no complaints so far...
They just closed my account for no reason and wouldn't tell me why and stole my 500 dollars off my card and want let me talk to nobody they keep emailing me saying they can't give me any information for security purposes and saying I receive a pay check in 30 days they full of BS
@@TommyBryson What about the PayPal Cash Debit card? i know it has regular atm fees but I would love to see a video about it. And is Varo really fee free friendly with no overdraft?
I respect what you said I love the info. Just FYI you can connect it to the Cash app and get the money same day same applies to Apple Pay. Keep up the good work!
I’m over Chime. They’re not letting me receive my direct Deposit. I’ve been waiting almost 48 hours and called customer service at least 15 times trying to figure out what’s going on. They said that the US federal bank puts a hold on the money and can take them anywhere between 1 hour to a week to release. So I called the US federal Banks and they said there is NO hold. They release the funds immediately. So in other words Chime is holding my money and won’t give me access to it. Going back to my old bank.
Had chime for over 4 months now and never received a payment on a Wednesday nor two days early. Always waited after the weekend but they claim it’s depends on banking processing but how if chime is my bank therefore why most get paid on Wednesday but now myself where it’s funds daily being deposited and even then I still have to wait.
It also depends on how early your job does payroll. I get paid bi-weekly on Fridays. My job does payroll the Monday the same week we get paid. I receive my deposits on Wednesdays around 11:40-11:50pm. So Chime doesn't lie when they say 2 days early. Barely lol, but I do get it before Friday.
I have had Chime for over 1 year and I do not live paycheck to paycheck. The reason I got Chime is because they do not use Chexsystems to open accounts and I had issues I was getting cleared up with chexsystems. The early pay was just a nice bonus for me... I rarely carry cash and I have my Chime connected to square cash which almost all of my friends family have. Their card is also recognized as a true debit card as opposed to others like GoBank (technically seen as a prepaid card by retailers and rental car companies). I know this is my situation, but I feel that it could apply to anyone with chexsystems issues, don’t carry cash, rarely use checks and have a log or people that use the cash app. That being said, I don’t disagree with anything you mentioned about the target audience but I don’t condone a company for finding a maker of customers in America... that’s capitalism. If we looked at any product, most people would be offended by the markup associated the leads to the price they are paying. I don’t condone Chime for running a successful business anymore than a retailer in this country.
That's cuz you didn't wait long enough dude I never have any trouble getting customer service it was option 9 don't bash stuff until you truly try it I've been with chime since 2016 never any issues
I have Chime and have never had an issue except when I got a new phone and number and tried to western union some money they denied the transaction because my new number I gave to the western union app did not match my number from my chime account, even though it was annoying I appreciate the security and I had no problems contacting a customer service representative who assisted me right away. I think alot of people dont read the policy or are just careless when it comes to keeping their personal information safe so if something goes wrong because of their carelessness they have to blame someone other than themselves. Every bank out there has bad reviews if you look, it happens and negative experiences are reported far more often then positive ones which is why I took the time to leave one. Good customer service, good security including app options to cancel further transactions incase of lost or stolen card, no hidden fees, options to get prepaid credit card to build credit, early direct deposit, etc......Tommy misinformed his audience about not being able to talk to a customer service rep which is a BIG deal, if this were a small business and you slandered my name with bogus lies I would sue the hell out of you, but anyone who can think for themselves could clearly see you were bias from the start for whatever reason, and people living paycheck to paycheck represent the majority of our country! Even if your making 6 figures lots of people still live paycheck to paycheck, they just have a better car, have the kids in better schools, have nicer toys, bigger house etc. but still jus as broke as the next dude especially with the state of our country today!
this what i dont like about chime i just got may card on mail and i try to Active my card i call the number that they provided i inter all the number keep but the robot teleling me that card is missing number on my card i inter all number ?? so now i cannot actived my card and i went to online still same i quess i just going to wait that how i fund the this video ??
Bro I am fucking pissed! I quit my bank account and signed up for chime literally to get my paycheck two days early. What happens the next week when I change my direct deposit info ? Chime waits until FUCKING FRIDAY TO PAY ME!!!! What the fuck did I waste my Time signing up for this shit when it pays me the same day my old bank does ?!??? Fucking scam!!
Im curious, did you actually explore all options through the AI service/menu on the phone to confidently say there is absolutly nu way ro reach a human, i ask because many times ive been able to pick options that forces the answering system to transfer me to a human?!?!
I've been with Chime for 3 years now, I do in fact get paid earlier sometimes four days sometimes 1 day. It ultimately depends on when your employer presses that magic button & I have a $125.00 overdraft limit with no fee's & yes it takes time to build it up, first 20, 50, 75 then 125. I know it seems to good to be true & the credit builder is now offering a metal card when you make 40 purchases with it. No annual fee's.
Why dont people realize that if my normal payday is Friday and i get paid 2 days early all i did was change my payday to Wednesday??? Still have to wait 2 weeks between pay?
There's some things I don't like about Chime. 1. When you receive your paycheck is not consistent. If your regular pay day is Friday, you may receive your deposit Wednesday, Thursday or Friday at any time of day, so you can't plan anything including paying a bill that's due! Also, if your account is compromised, they shut down your account, without any access for up to 30 days while they investigate for fraud! I don't like not knowing when I'm going to get paid, so I'm going back to my traditional bank, at least I know my deposit will be there on Friday morning.
yes last paycheck got sent Friday instead of the usual Wednesday which made me late on rent. for now on. I'm just going to assume it's going to get here 12 AM Friday.
You don't get paid 2 days early. You still wait the same 14 days as everyone else. If I normally get paid every other Friday, a Chime user gets paid every other Wednesday. A Chime user ain't nothing special. We are both still waiting the same 14 days for our paycheck.
You are unjustified in complaining about getting paid two days early. It isn't hanged up it's hung up. They don't hold the funds - they're notified of them.
Prior to President Bush, all banks paid interest on checking and savings account. When Bush declared war on Iraq, he took everything to pay for that war: bank interests, scholarships, grants, increased taxes, etc. However, President Obama came in and in addition to signing the very first stimulus package for "We, the People" into law, he replenished our scholarships, cut our taxes, increased tax refunds with added credits/writeoffs, etc... However, the banks never returned our interests nor did they pay interest again. Even the interest on savings bonds plummeted to almost nothing! Nevertheless, I am hearing about online banks that pay interest and that is what I am looking for now. Not to replace Chime because I am very happy with Chime but to open a separate savings account that pays interest.
Got sucked into chime deal, after they got all my info they said I wasn't a good fit!! So now they got all my sh*t & l'm feeling really exposed. Anything I can do?
You’re wrong, I was able to speak with someone. You just don’t have a card. That’s why. Edit: I was also able to set up my Chime with my Zelle, cash app and PayPal... do deeper research
TommyBryson I didn’t switch to Chime to get paid early. I’m self employed sweet heart. Most people I work with pay me through pay apps. That won’t be an issue. I got tired of all the hidden fees, trying to save money and every time I look up, these mf hit me with a maintenance fee because I didn’t have a certain amount of money in my savings. That wasn’t working out for me and defeating the purpose of saving.
How do you suggest a 20 something should pay their bills (insurance, phone bill, students loans etc.)? How do I stop living paycheck to paycheck? When and what order should I pay my bills if I get paid Bi-weekly?
chime takes 5ever to do transfers, like it’s ridiculous. I thought I lost my 200 dollars after like 6 days and had to call Bank of America to get it back, and literally the same day they decided to fulfill the transaction smh it’s so fishy
Not surprised they usually do things like this to demotivate users from moving there money and just utilizing them. And currently they just don’t have enough feature to keep people locked in
@@TommyBryson I agree it doesn't have competitive features like interest on savings. But I mainly use it for direct deposit I usually get my deposit 5 day's early. And I use it to make ACH credit card payments or bills in general that clear the same night or next day that's the main features I care about. But I've switched to Varo online banking which is the same bank chime use but Varo offer's better interest rate on savings.
@@TommyBryson moneylion is also a good online banking because they offer loans & investment accounts that you can take advantage of as well as online credit cards that they are rolling out soon. But they have cons that I can't deal with
Do I have to have direct deposit? I want a card they can add money and use it for online shopping just in case it's a scam just put enough into pay for something in case it's a scam can I do this with this card
I recently became a victim of a fraud last Thursday night because someone had access to my account and I called chime and wanted to file a dispute and they said they were going to give me a provisional credit by 6/12/20 and I wondering if they are telling the truth or lying to me even though I’ve been with Chime over a year now and I have never had problems with them before ever since I started banking with Chime
You can talk to a representative on Chime. Dont call the phone number that is just a robot. Go into the chime app. Press the bubble with a question mark in it on the top left corner of the screen. It is next to the settings on the main screen and you can ask for a human representative.
Cant believe everything you hear there are more positive reviews than negative.This guy have no idea what he's talking about. 😂 you actually going to listen to a person who not sign up plus haven't experienced Chime
My husband set an account up for us with Chime while I had my bank somewhere else. Almost a year later, we both have Chime exclusively. The benefits definitely outweigh the negatives, but what works for us in our situation may not work for you.
You know, Chime is targeting people living paycheck to paycheck but mostly those persons found on check systems, or otherwise barred from acquiring a regular bank account, yes?
What your doing is just telling about the card. You haven't used one so how do you know if it works. You only get paid two days early once. Payday is Friday, the check comes Wednesday, after the one time it's not two days early anymore. Cause now your payday is Wednesday.
I just got chime. They now have a 0.30 percent interest rate, which is great. I also have a chase checking account that I use for zelle and cash and checks. I also use the credit builder and round up for savings. Attached to my chase account I have acorns round up. I already have a chase account and felt very limited, so this feels like an awesome system for me. (I’m a sophomore at University). I haven’t tried calling but their email service is great. Not the best, but good.
I’ve been with chime for 5 years ...before they got really popular and I’ve no problems I like getting paid early and there’s no fees...to each their own...
I don't understand how people are getting paid early because I get paid the same time I would with other Banks. Chime says that you can get paid up to two days early, but it just depends on when my employer releases the funds to the Federal Reserve and then from there they have to wait til the Federal Reserve releases it to Chime. So... How are people getting paid 2 days early?
I never did closed my first bank account after switching to chimes. I definitely saved on ATM fees by switching to chime there are ATMs everywhere plus with chime you can send money to different banks for free. It takes about two to three days to get there..
Usually it takes a few business days for referrals to hit, however their are better companies that do referrals Link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
I transferred $600 from my reg checking accout (reg bank) to my chime card. It's been over a week. It only tells me that the transaction is "pending". For over a week. And those mf's at chime cant tell me shit other than, it's "pending". Wtfffff
Could I buy a PlayStation 5 with a chime banking app LOL? Or let's say if I wanted to use it for an Amazon account or even like doordash is that also possible
Well seems to me like this Chime app is just not worth it. Getting paid 2 days earlier it's pretty cool, but yea there are better online banks out there. I think its important to has the best of both worlds, that is having an online bank and a big branch bank, in order to deposit and withdrawal money always for free no hassle. Good vid. Drop my like, would be expecting my 3% paid day right? lol
lol 3% is on its way, and that's exactly right. Having both big and online banks you get everything you need. I wonder if Chime doesn't think that any other online bank can just copy that little 2 days early feature and they'll lose all their customers.
PAY EARLY EXPAINED!! I did payroll for restaurant. Paydays were on Friday. I would call paycheck co. The next-day a courrier delivered checks. No matter if I called Mon, Tues or wed, Thurs... The checks were post dated , anyone with dd would get usually around 4am Fri am. As soon as I submit payroll for d.d., funds are essentially in escrow. In between restaurant bank acct and d.d workers acct.. many banks can see this money in escrow, customer service generally can't nor you. These companies that offer dd. Early are reading what's in escrow and release early.
1) The typical Chime customer is on Chexsystems and owes money to a previous bank. Many options available to you are not available to the typical Chime customer. 2) Budget has nothing to do with Chime. It's way easier for most to cut expenses than to make more money. Savings is a bad way to get folks out of paycheck to paycheck. Get them to cut expenses hard instead instead of hyping 2% savings interest. Interest isn't going to save folks. Cutting expenses aggressively will. 3) If you are on paycheck to paycheck, the 2 day early direct deposit is huge. 4) Getting folks who overspend to use their debit card more for cashback is bad. The stores that have the same price for credit purchases are usually overpriced too.
I also used prepaid banking so i don't have to ever worry about over drafts. Don't get me wrong. I have a regular bank accuount as well. I just choose this over my regular bank because i can comfortably pay bills and not worry about over drafts. Which most things go on my credit card and get paid off at the end of the month. For the things that don't, this has been a great replacement for blue bird. Who o had for 7 years
@@TommyBryson Man that would be awesome. I hear you mention So-fi, Vero, and Simple Bank in terms of their high interest yielding accounts, but I never heard you say which was your favorite. Yes, that would be a great video ! 😁
They freaking suck! Never had a problem with my last bank for 4 years with direct deposit, switched to Chime and now not only am I not getting paid early, I'm getting paid late and have missing deposits!
It's just like all customer service. What are you calling for. Ive had a card for over a year. There is a customer service number and I've called it. Mon-Fri. Your actually making them look bad. You don't have to sign up for savings. Anyone that wants to know, the card works. I have a good idea, use the product your talking about. This makes no sense, mon- Fri. Your calling the wrong number.
Hi Tommy I just need Chime 2 transfer money 2 my Brother in VA bcause he has 2 walk about 1 hour 2 get 2 a WU payout location. He has Chime Do I have 2 deposit a large amount 2 become a member? How do I transfer funds?
Your so wrong first to get paid early helps when your broke at the end of the month and be able to overdraft with no fees to have money when you need it is great so what if you have to rely on it wvery month plus i actully get paid 5 days early your wrong about custoner service as if you press 0 you get a real person or you press 8 first on the first menu then 0
I never care about the paying to add cash. All I do is pay rent. I can transfer funds from my bank account. And go to the bank for cash. I'm like doing my banking in person. No atm, I save on chime and tranfer my funds so I earn interest. I never let my savings go over $1000
This guy is just getting clicks 1 you can't review something you never used 2 he put scam in the title but he just read through there info and all this information so it sounds pretty transparent to me and 3 all he did was voice his negative review with no personal experience and based it off assumptions
So far I really like it. I got paid 2 days earlier. When my direct deposit came it automatically took the 10% out of my check for savings. I love that i finally get to use a round up tool. Even though i wish it did it automatically instead of waiting for a payment to finish processing. I used to have bluebird and i switched from them to this
@@TommyBryson i use bank the bank with the higher rate. Ally has a 2.10% rate for savings accounts. So i just use the round up tool and at the end of the month transfer the savings to Ally
I called customer service I had no problems while this video is in 2019 so they could have got better because I'm looking at this video 2021 so they're pretty good it could have been bad in 2019 but my experience with chime I really like the customer service
Can you direct deposit yourself? Is it possible to get the $50 from chime if I don’t have a job so there is no way to set up direct deposit is there a way to direct deposit myself does transferring money from bank bank count as direct deposit?
I think the Chime app could be great but it's still falling short on a lot of features. What do you guys think?
***Questions Answered***
Pros and Cons of the Chime App Online Bank
Customer service: 844-244-6363
1. ask how they get direct deposit is from the employer or is it them leveraging the money.
- They just don't hold on to the money and deposit as soon as they recieve it from your employer.
2. Cash deposits
Nope and if they do it's with Green Dot and that cost around 4.95 to deposit cash.
3. The interest rate of savings
.01% ridiculous
4. How do you make money if no fees
Debit card transactions and also interest on the account
5. How does cash back work, affiliates
By buying products with affiliated retailers.
6. Customers service 24/7?
Email and not phone calls, its a robot.
7. Atm fees do you think you'll reimburse in the future.
No answer, but currently no reimbursements
8. Venmo, Zelle
Nope.
9. Checks
Nope, theyll write it on your behalf and then send it
10. Foreign transactions: I like vacations
None, but visa does charge it.
Pros
1. Early Paycheck: you get paid two days early
2. No Hidden Fees: Monthly fees, Hidden fees, Required minimum balance
3. Auto savings: Rounds ups with your spending: I love this to
4. Take Money from your check and automatically save it: I really like this
5. Great Educational Articles to help the customers ( one of the best I’ve seen, whoever works there, I need someone to manage my website contacts me)
6. FdCi Insured always good
Cons
1. No Cashback
2. Savings accounts
3. Cash deposits
4. Limites
5. Bad habits
6. Atm Fee on top of the fee the atm charges: so they’ll take 2.50
Either three things will Happen:
1. You’ll dominate this market but your users will never amount to much
2. You can make more money by offering perks
3. They’ll just use it for the 2-day early check and nothing else
I think: advice
1. Chime can lose half its customer base if not all if varo or sofi started offering early paychecks. They would have nothing to keep customers.
2. Raise the savings ( give people a reason to park their money)
3. Cashback ( so they can spend more)
4. Reimburse atm fees and let people deposit for free.
If you do this, your revenue will go up & and people would have no reason to go somewhere elsePros and Cons of the Chime App Online Bank
Customer service: 844-244-6363
1. ask how they get direct deposit is from the employer or is it them leveraging the money.
- They just don't hold on to the money and deposit as soon as they recieve it from your employer.
2. Cash deposits
Nope and if they do it's with Green Dot and that cost around 4.95 to deposit cash.
3. The interest rate of savings
.01% ridiculous
4. How do you make money if no fees
Debit card transactions and also interest on the account
5. How does cash back work, affiliates
By buying products with affiliated retailers.
6. Customers service 24/7?
Email and not phone calls, its a robot.
7. Atm fees do you think you'll reimburse in the future.
No answer, but currently no reimbursements
8. Venmo, Zelle
Nope.
9. Checks
Nope, theyll write it on your behalf and then send it
10. Foreign transactions: I like vacations
None, but visa does charge it.
Pros
1. Early Paycheck: you get paid two days early
2. No Hidden Fees: Monthly fees, Hidden fees, Required minimum balance
3. Auto savings: Rounds ups with your spending: I love this to
4. Take Money from your check and automatically save it: I really like this
5. Great Educational Articles to help the customers ( one of the best I’ve seen, whoever works there, I need someone to manage my website contacts me)
6. FdCi Insured always good
Cons
1. No Cashback
2. Savings accounts
3. Cash deposits
4. Limites
5. Bad habits
6. Atm Fee on top of the fee the atm charges: so they’ll take 2.50
Either three things will Happen:
1. You’ll dominate this market but your users will never amount to much
2. You can make more money by offering perks
3. They’ll just use it for the 2-day early check and nothing else
I think: advice
1. Chime can lose half its customer base if not all if varo or sofi started offering early paychecks. They would have nothing to keep customers.
2. Raise the savings ( give people a reason to park their money)
3. Cashback ( so they can spend more)
4. Reimburse atm fees and let people deposit for free.
If you do this, your revenue will go up & and people would have no reason to go somewhere else
I actually have this card and have had it for sround 4 years and i earn interest on my savings and i can use it anywhere....its a banking app...and i did get my sign up bonus after people sign up and actually got direct deposit...
I can not get into my account and can not get any help
I actually like them. Never had a problem. 🤷♀️
TommyBryson What online banking companies to do recommend then?
Chime is down hard today. No access, but somehow deposits are still being accepted!
Chime app crashed yesterday and all customer have been unable access their funds for almost 24 hours. Chime is not good to keep all of your money in maybe just spending money for shopping online but never as your main bank.
Zion lords tru get a legit bank
I have chime for two yrs now and never have a problem
um the last time they "crashed" they gave all their customer $5 or $10. i forgot but they paid us for the crash. and they've added some extra features now. member.chimebank.com/join/shantegrayer
@ i love my chime
All prepaid card apps do that
I think everyone would like to get payed early it’s my money and I need it NOW
Lol 😂 I remember that commercial, and nothing wrong getting our early. The problem is living paycheck to paycheck
Mike Noel 😂😂😂😂
Lol
Chime was hacked your money is gone now lol
@@zlord1199 for real
Tommy you are filling a void in the YT world. You provide no-fluff reviews, valuable information, and are not trying to shove affiliate links down our throats. Stand-up TH-camrs like yourself are hard to come by. I see you at 500,000 subs in very short order. Salute brother 💪
Step by step and I see this channel at a million. I’m going to time stamp this comment and take a look at it again in the next year or 18 months. What do you think is going to happen by then ?
@@TommyBryson I agree 100%. My 500,000 affirmation was just the beginning. I see that happening in very short order. Of course, you will have 1 million + subs when it's all said and done. 💯
Thanks brother, lets gooooooo !!
THANK YOU SO MUCH for your information. I got a text saying I could earn $100 for joining, so I found you online. thank you for your honesty.
I don’t understand why it’s such a big deal who there targeted audience is everyone has a targeted audience when it comes to selling a product.
Kate T it is important. He pointing you don’t how to manage your money. Living paycheck to paycheck is not cool.
☝🏾THISS IZZ TRÚÙę..👍🏾💯💪🏾
Chris Atwood not everyone is fortunate enough to be in a great financial situation. Has nth to do with the person exactly all the time
Exactly 😂
I'm leaving Wells Fargo for Chime all my family use Chime now.
Varo is better.
Full Video: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
TommyBryson what is the transaction fee for Varo???? Like it tells me the foreign transaction fee. But I wanna know the transaction fee.
Chime won’t let me open an account and won’t tell me why. It’s kinda concerning because I don’t own any banks money
@@brbarlow195 it denied me from joining and I switched the email that I use with capital One with the one I don't affiliate with any bank and then it worked
@@TommyBryson ALLY is better than Varo with more assets to back in case something happen. No mothly fees, savings great for if you want a home in the future. Supported by the FDIC www.depositaccounts.com/banks/ally-bank.html
I have read and heard on here that chime lock you out of acct checking and direct deposite for no explain reason let me know what know on this part ???
So I’ve been waiting 36 hours for my direct deposit to go through and they answered all my questions about the direct the same I’m quitting chime getting a real bank
This should help you choose a better online bank. Any questions just let me know
Link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
Still haven’t gotten paid
Christopher Ewing that sucks ,, me and 9 other people I also know who use chime never ever had a problem with direct deposit it always goes In on time .
My first time using this week my check came on time I have no complaints
It's your job.. not the bank
there is a book titled "america's cheapest family" that shows instructions how to set up a budget. I am no better myself, I also live paycheck to paycheck. But I like how this book explains this topic.
I’ll check it out 😎
I was with bank of America for 19 years, my first bank account ever... Switched to chime and no problems. Depositing cash can be a hassle, but I RARELY needed to do that when I had BofA. This video and your responses make me feel like you do have an agenda 🤷🏽♀️ and you're very passionate about it. Chime customer's do get through to chime customer service, rather promptly in my personal experience... And I have acorns, it's great too. This video was more a bash on chime, kinda weird.
I felt that vibe from him too lol its just something about his body language & how he pointing out little flaws but i still fw his content
Also pushing Varo and that 2.8% APY, which you have to qualify for by making 5 purchases a month with your varo debit card, have a direct deposit of $1k a month, and no more than $50k in your savings account. Otherwise the interest rate is 1.92% APY
How is it now?
Why has Chime suspended my account after all of my UI benefits posted? I only got the damn Card cause govt said I need an alternative route to receive my UI benefits. I checked reviews and they were horrible! They have closed people apps for no reason and no refunds! I'm nervous! Long story short CHIME SUCKS SO BAD!!!
Well, so far it’s been cool having the card... I didn’t have an issue getting a live person. I’m supposed to submit my time card on Sundays, forgot to do it until a Tuesday, it was approved on a Wednesday & I got paid on Thursday... as far as getting paid early, there’s credit unions that does the same & charge maintenance fees & over draft fees even if you go over $3 on your account, you have to pay $35 as a penalty. Chime allows the customer to overdraft & takes the amount that’s overdrawn. It also have fee free ATMs & you can add cash to the card as well... I’ve tried it all out to see if actually works & I have no complaints so far...
Thank you! This was so helpful!
Hi I'm curious is there a fee for the direct deposit?
They just closed my account for no reason and wouldn't tell me why and stole my 500 dollars off my card and want let me talk to nobody they keep emailing me saying they can't give me any information for security purposes and saying I receive a pay check in 30 days they full of BS
Having same issues for 3weeks not until I was referred to *brainytool* on lnstagram he recover all my funds after unlocking my chime
GREAT VIDEO... THANKS A LOT FOR SHARING WITH ME THAT I'M BEGIN PREY UPON BECAUSE IM HUNGRY FOR THE MONEY.DIDNT REALIZE THAT.THANKS AGAIN FOR SHARING
I have been with Chime for more than 6 months. Im actually enjoying it.
Have you checked out the competition, i posted a video on the top 3
link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
Is the Debit Card really fee free? I want to try it as a backup bank but not sure about any hidden fees for direct deposit and stuff.
Varo is better
@@TommyBryson What about the PayPal Cash Debit card? i know it has regular atm fees but I would love to see a video about it. And is Varo really fee free friendly with no overdraft?
Yeah check out my full video on them, and I'll check out paypal
I respect what you said I love the info. Just FYI you can connect it to the Cash app and get the money same day same applies to Apple Pay. Keep up the good work!
Thanks for the clarification on that, usually when they can do cash they can do Venmo and Zelle. What do you think is going on with that ?
Wow!!!!!! Are you serious you can use Cash App with Chime I just got my card Yesterday. And now im going to open me a Cash App account
I just got my chime card in the mail and set up direct deposit. Do you really get paid 2 days early?
Nathan Levier yes you do
@@big.e24 no
depends on your employer but you also get paid early with varo and they give 2.80% on a savings
You do..i don't know anyone who hasn't got it two days early... its the shit
I’m over Chime. They’re not letting me receive my direct Deposit. I’ve been waiting almost 48 hours and called customer service at least 15 times trying to figure out what’s going on. They said that the US federal bank puts a hold on the money and can take them anywhere between 1 hour to a week to release. So I called the US federal Banks and they said there is NO hold. They release the funds immediately. So in other words Chime is holding my money and won’t give me access to it. Going back to my old bank.
I’d recommend one of the competitor banks 🏦
Link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
It’s 2024 and there still holding deposits. Chime is a scam
It’s 2024 and there still holding deposits. Chime is a scam
Had chime for over 4 months now and never received a payment on a Wednesday nor two days early. Always waited after the weekend but they claim it’s depends on banking processing but how if chime is my bank therefore why most get paid on Wednesday but now myself where it’s funds daily being deposited and even then I still have to wait.
It also depends on how early your job does payroll. I get paid bi-weekly on Fridays. My job does payroll the Monday the same week we get paid. I receive my deposits on Wednesdays around 11:40-11:50pm. So Chime doesn't lie when they say 2 days early. Barely lol, but I do get it before Friday.
I was getting multiple 100$ referral payment a day and miss the referral money they took away.
I have had Chime for over 1 year and I do not live paycheck to paycheck. The reason I got Chime is because they do not use Chexsystems to open accounts and I had issues I was getting cleared up with chexsystems. The early pay was just a nice bonus for me... I rarely carry cash and I have my Chime connected to square cash which almost all of my friends family have. Their card is also recognized as a true debit card as opposed to others like GoBank (technically seen as a prepaid card by retailers and rental car companies). I know this is my situation, but I feel that it could apply to anyone with chexsystems issues, don’t carry cash, rarely use checks and have a log or people that use the cash app. That being said, I don’t disagree with anything you mentioned about the target audience but I don’t condone a company for finding a maker of customers in America... that’s capitalism. If we looked at any product, most people would be offended by the markup associated the leads to the price they are paying. I don’t condone Chime for running a successful business anymore than a retailer in this country.
Its apple and oranges, Chime compared to its online competitors is sub par
My app logged me out! Need help does not work for me. If I try a password reset, it only allows me the option to sign up as a new user.
I only use chime for Fun Expenses and my main bank for Rent, Savings ect
That's cuz you didn't wait long enough dude I never have any trouble getting customer service it was option 9 don't bash stuff until you truly try it I've been with chime since 2016 never any issues
How do you feel now? Lol Chime crashed and your money is gone lol
I have Chime and have never had an issue except when I got a new phone and number and tried to western union some money they denied the transaction because my new number I gave to the western union app did not match my number from my chime account, even though it was annoying I appreciate the security and I had no problems contacting a customer service representative who assisted me right away. I think alot of people dont read the policy or are just careless when it comes to keeping their personal information safe so if something goes wrong because of their carelessness they have to blame someone other than themselves. Every bank out there has bad reviews if you look, it happens and negative experiences are reported far more often then positive ones which is why I took the time to leave one. Good customer service, good security including app options to cancel further transactions incase of lost or stolen card, no hidden fees, options to get prepaid credit card to build credit, early direct deposit, etc......Tommy misinformed his audience about not being able to talk to a customer service rep which is a BIG deal, if this were a small business and you slandered my name with bogus lies I would sue the hell out of you, but anyone who can think for themselves could clearly see you were bias from the start for whatever reason, and people living paycheck to paycheck represent the majority of our country! Even if your making 6 figures lots of people still live paycheck to paycheck, they just have a better car, have the kids in better schools, have nicer toys, bigger house etc. but still jus as broke as the next dude especially with the state of our country today!
Sorry I blew up your comment feed. Btw i love your videos
Lol this is why I ask questions to hear what you have to say. 😎
this what i dont like about chime i just got may card on mail and i try to Active my card i call the number that they provided i inter all the number keep but the robot teleling me that card is missing number on my card i inter all number ?? so now i cannot actived my card and i went to online still same i quess i just going to wait that how i fund the this video ??
Bro I am fucking pissed! I quit my bank account and signed up for chime literally to get my paycheck two days early. What happens the next week when I change my direct deposit info ? Chime waits until FUCKING FRIDAY TO PAY ME!!!! What the fuck did I waste my
Time signing up for this shit when it pays me the same day my old bank does ?!??? Fucking scam!!
Im curious, did you actually explore all options through the AI service/menu on the phone to confidently say there is absolutly nu way ro reach a human, i ask because many times ive been able to pick options that forces the answering system to transfer me to a human?!?!
I've been with Chime for 3 years now, I do in fact get paid earlier sometimes four days sometimes 1 day. It ultimately depends on when your employer presses that magic button & I have a $125.00 overdraft limit with no fee's & yes it takes time to build it up, first 20, 50, 75 then 125. I know it seems to good to be true & the credit builder is now offering a metal card when you make 40 purchases with it. No annual fee's.
Thanks for the video…I like your cons. Most videos are 99% Chime is Great… I had a lot of doubts and you asked my questions.
I also hate the never ending “Your calls are important to me us” … push this push that… most of all the “Intelligence”
Glad this helped
What do you think about chime now after they’ve updated their system??
Why dont people realize that if my normal payday is Friday and i get paid 2 days early all i did was change my payday to Wednesday??? Still have to wait 2 weeks between pay?
There's some things I don't like about Chime. 1. When you receive your paycheck is not consistent. If your regular pay day is Friday, you may receive your deposit Wednesday, Thursday or Friday at any time of day, so you can't plan anything including paying a bill that's due! Also, if your account is compromised, they shut down your account, without any access for up to 30 days while they investigate for fraud! I don't like not knowing when I'm going to get paid, so I'm going back to my traditional bank, at least I know my deposit will be there on Friday morning.
yes last paycheck got sent Friday instead of the usual Wednesday which made me late on rent. for now on. I'm just going to assume it's going to get here 12 AM Friday.
All of this stem from overthinking
I have chime, never had a issue with them. I've used all the features on chime.
Thank you so much bro 🙏🏾 i was about to sign up for this app, but now im more informed.
It’s all about information, and I’m working on a video for the top 3 online banks 🏦 should be coming soon. What’s banks are you currently looking at
It's actually the best one I've used so far. I love it! No issues at all.
You don't get paid 2 days early. You still wait the same 14 days as everyone else. If I normally get paid every other Friday, a Chime user gets paid every other Wednesday. A Chime user ain't nothing special. We are both still waiting the same 14 days for our paycheck.
You are unjustified in complaining about getting paid two days early. It isn't hanged up it's hung up. They don't hold the funds - they're notified of them.
Prior to President Bush, all banks paid interest on checking and savings account. When Bush declared war on Iraq, he took everything to pay for that war: bank interests, scholarships, grants, increased taxes, etc. However, President Obama came in and in addition to signing the very first stimulus package for "We, the People" into law, he replenished our scholarships, cut our taxes, increased tax refunds with added credits/writeoffs, etc...
However, the banks never returned our interests nor did they pay interest again. Even the interest on savings bonds plummeted to almost nothing! Nevertheless, I am hearing about online banks that pay interest and that is what I am looking for now. Not to replace Chime because I am very happy with Chime but to open a separate savings account that pays interest.
They don’t help with any money that can be stolen from your account . You can have all proofs and they deny the dispute . I would never use them again
You really not getting paid 2 days early After the first time you are still waiting the same amount of days to get paid
exactly, its only good for a 1 time 2 day early paycheck. after the first time youre really waiting 2 weeks
One good thing that’s good about chime is that you can deposit cash for free at any Walgreens.
Got sucked into chime deal, after they got all my info they said I wasn't a good fit!! So now they got all my sh*t & l'm feeling really exposed. Anything I can do?
I’m new to your channel 👏🏽👏🏽👏🏽😎
Ayeee welcome bro 😎
You’re wrong, I was able to speak with someone. You just don’t have a card. That’s why.
Edit: I was also able to set up my Chime with my Zelle, cash app and PayPal... do deeper research
Option doesn’t exist at the time of this video
TommyBryson I didn’t switch to Chime to get paid early. I’m self employed sweet heart. Most people I work with pay me through pay apps. That won’t be an issue. I got tired of all the hidden fees, trying to save money and every time I look up, these mf hit me with a maintenance fee because I didn’t have a certain amount of money in my savings. That wasn’t working out for me and defeating the purpose of saving.
Most banks do accept cash deposits what are you talking about
Is it only a savings account? I am not able to have that, only allowed a checking account.
The saving portion isn’t as competitive. I’d recommend these online bank
Link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
How do you suggest a 20 something should pay their bills (insurance, phone bill, students loans etc.)? How do I stop living paycheck to paycheck? When and what order should I pay my bills if I get paid Bi-weekly?
This should help
Link: How to Save Money on Budget on Low Income | Minimum Wage th-cam.com/video/K2iqN4KT8eo/w-d-xo.html
Chime bank is awesome. I have no issues so far.
Have you compared it to the competition?
link
th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
How about now
What about today ????
@@agelinabanks4800 cards and almost everything but the app seem to be workingfor me
chime takes 5ever to do transfers, like it’s ridiculous. I thought I lost my 200 dollars after like 6 days and had to call Bank of America to get it back, and literally the same day they decided to fulfill the transaction smh it’s so fishy
Not surprised they usually do things like this to demotivate users from moving there money and just utilizing them. And currently they just don’t have enough feature to keep people locked in
I'm surprised to hear that. All my transfers in and out take about 2days sometimes 3 as wel as ACH payments Take no more than 1 day to clear
I'm telling you bro, they have flaws and not as competitive. You should consider trying the competitor and compare
@@TommyBryson I agree it doesn't have competitive features like interest on savings. But I mainly use it for direct deposit I usually get my deposit 5 day's early. And I use it to make ACH credit card payments or bills in general that clear the same night or next day that's the main features I care about. But I've switched to Varo online banking which is the same bank chime use but Varo offer's better interest rate on savings.
@@TommyBryson moneylion is also a good online banking because they offer loans & investment accounts that you can take advantage of as well as online credit cards that they are rolling out soon. But they have cons that I can't deal with
Do I have to have direct deposit? I want a card they can add money and use it for online shopping just in case it's a scam just put enough into pay for something in case it's a scam can I do this with this card
I have a video on the top 3
link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
I recently became a victim of a fraud last Thursday night because someone had access to my account and I called chime and wanted to file a dispute and they said they were going to give me a provisional credit by 6/12/20 and I wondering if they are telling the truth or lying to me even though I’ve been with Chime over a year now and I have never had problems with them before ever since I started banking with Chime
You can talk to a representative on Chime. Dont call the phone number that is just a robot. Go into the chime app. Press the bubble with a question mark in it on the top left corner of the screen. It is next to the settings on the main screen and you can ask for a human representative.
Plus I get $20 overdraft if I overdraft my card the interest on that overdraft don't go up if I wait to pay 2 weeks it stays $20
Great video.. I thought about getting this account but after hearing your thoughts about it I’m having second thoughts
Thanks and here are some great options, same early pay and they also have great interest rates
Link:
th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
Cant believe everything you hear there are more positive reviews than negative.This guy have no idea what he's talking about. 😂 you actually going to listen to a person who not sign up plus haven't experienced Chime
My husband set an account up for us with Chime while I had my bank somewhere else. Almost a year later, we both have Chime exclusively. The benefits definitely outweigh the negatives, but what works for us in our situation may not work for you.
You know, Chime is targeting people living paycheck to paycheck but mostly those persons found on check systems, or otherwise barred from acquiring a regular bank account, yes?
What your doing is just telling about the card. You haven't used one so how do you know if it works. You only get paid two days early once. Payday is Friday, the check comes Wednesday, after the one time it's not two days early anymore. Cause now your payday is Wednesday.
I just got chime. They now have a 0.30 percent interest rate, which is great. I also have a chase checking account that I use for zelle and cash and checks. I also use the credit builder and round up for savings. Attached to my chase account I have acorns round up. I already have a chase account and felt very limited, so this feels like an awesome system for me. (I’m a sophomore at University). I haven’t tried calling but their email service is great. Not the best, but good.
I’ve been with chime for 5 years ...before they got really popular and I’ve no problems I like getting paid early and there’s no fees...to each their own...
Same no problems with them
I don't understand how people are getting paid early because I get paid the same time I would with other Banks. Chime says that you can get paid up to two days early, but it just depends on when my employer releases the funds to the Federal Reserve and then from there they have to wait til the Federal Reserve releases it to Chime. So... How are people getting paid 2 days early?
Slow down
Working on it, watch the new videos and let me know if I’ve improved
I just slow the video down to 0.75x it makes him sound a little weird but at least I can catch every thing he says.
😎these early videos I spoke very fast, thanks for the feedback
🗣 Rob Lo KEEP UP
Put it in 0.75
I think you have to sign in first, USE IT AND THEN give up your comments cuz you can not say the pros when you dont even have an account
not really its a carbon copy of the competition without alot features
I never did closed my first bank account after switching to chimes. I definitely saved on ATM fees by switching to chime there are ATMs everywhere plus with chime you can send money to different banks for free. It takes about two to three days to get there..
you can use Zelle to send money instantly and some of the competition offer free atms worldwide
link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
Do I get the referral $50 as soon as my paycheck hit my account or do I have to wait like an additional 2 weeks or so?
Usually it takes a few business days for referrals to hit, however their are better companies that do referrals
Link:
th-cam.com/video/Us3ejDxPKJk/w-d-xo.html
My 50$ and my boyfriends 50$ both hit right when my first check hit lol 🤷
@@christieholt6674 frr
Yes it will
I transferred $600 from my reg checking accout (reg bank) to my chime card. It's been over a week. It only tells me that the transaction is "pending". For over a week. And those mf's at chime cant tell me shit other than, it's "pending". Wtfffff
Did you call your bank also
@@TommyBryson My apologies bro. I shouldn't have said "transferred" , it was a cash deposit at green dot retailer.
40th Street Black you deposited ? Keep me updated
@@TommyBryson will do
✅✅
Could I buy a PlayStation 5 with a chime banking app LOL? Or let's say if I wanted to use it for an Amazon account or even like doordash is that also possible
Cash app referral payment has dropped enough to not be able to make any referral money at all
Could I connect my Chime debit card to Google Pay and use that as well?
Haven't tried it cause I don't have my debit card yet. Still on its way.
They have apple pay, I think google pay should work also
Yes, just call them or send an email and let them know you want to use Google Pay.
I'm about to go pull money out right now from my account why she says $2 no other fees
Well seems to me like this Chime app is just not worth it. Getting paid 2 days earlier it's pretty cool, but yea there are better online banks out there. I think its important to has the best of both worlds, that is having an online bank and a big branch bank, in order to deposit and withdrawal money always for free no hassle. Good vid. Drop my like, would be expecting my 3% paid day right? lol
lol 3% is on its way, and that's exactly right. Having both big and online banks you get everything you need. I wonder if Chime doesn't think that any other online bank can just copy that little 2 days early feature and they'll lose all their customers.
Alphauthentic moo
Lpp
TommyBryson I’ve been getting paid 2 days early for 10 years with Walmart MoneyCard
PAY EARLY EXPAINED!! I did payroll for restaurant. Paydays were on Friday. I would call paycheck co. The next-day a courrier delivered checks. No matter if I called Mon, Tues or wed, Thurs... The checks were post dated , anyone with dd would get usually around 4am Fri am. As soon as I submit payroll for d.d., funds are essentially in escrow. In between restaurant bank acct and d.d workers acct.. many banks can see this money in escrow, customer service generally can't nor you. These companies that offer dd. Early are reading what's in escrow and release early.
Great explanation
They do not pay early 😭 it’s still a 12am thing I rather get my money at the same time everyday than waiting an looking throughout the day
It depends on your employer most of the time 😎
Exactly, I'm getting paid at all kind of random times and now I have a missing deposit, never had that happen at my previous bank! They suck!
I’m military and it paid me 4 days early real talk 💯
I get paid every Wednesday by noon and my pay is normally Friday
You don't have an account with this bank what are you doing
Chime actually pays .50% it used to be 1.0% that’s why I opened up a savings. I have always talked to a live person as well.
1) The typical Chime customer is on Chexsystems and owes money to a previous bank. Many options available to you are not available to the typical Chime customer. 2) Budget has nothing to do with Chime. It's way easier for most to cut expenses than to make more money. Savings is a bad way to get folks out of paycheck to paycheck. Get them to cut expenses hard instead instead of hyping 2% savings interest. Interest isn't going to save folks. Cutting expenses aggressively will. 3) If you are on paycheck to paycheck, the 2 day early direct deposit is huge. 4) Getting folks who overspend to use their debit card more for cashback is bad. The stores that have the same price for credit purchases are usually overpriced too.
Good points, compared to the competition it does lack.
1. Sofi
2. Varo
What’s you’re thought on fundrise Or Landa ? They both is a real estate investing app?
Great question, got a full video on FUndrise
link: th-cam.com/video/hRxI-lJvPgY/w-d-xo.html
I also used prepaid banking so i don't have to ever worry about over drafts. Don't get me wrong. I have a regular bank accuount as well. I just choose this over my regular bank because i can comfortably pay bills and not worry about over drafts. Which most things go on my credit card and get paid off at the end of the month. For the things that don't, this has been a great replacement for blue bird. Who o had for 7 years
What about savings ? Who do you save with ?
You don't get paid 2 days early most times
Have you done a video specifying your Favorite 100% online bank? If so, I most definitely need to see it.
Oooh thats a good idea and no i haven't done it yet. What do you think about a top 3 online banks videos
@@TommyBryson Man that would be awesome. I hear you mention So-fi, Vero, and Simple Bank in terms of their high interest yielding accounts, but I never heard you say which was your favorite. Yes, that would be a great video ! 😁
Yup , so far less than 3 I think made the cut
I ordered my card 11 days ago so I had to order a new one if it doesn’t show up in a week then chime isn’t what they say they are 🤷♂️
yeah i believe it took 2 weeks before i finally got mine
They freaking suck! Never had a problem with my last bank for 4 years with direct deposit, switched to Chime and now not only am I not getting paid early, I'm getting paid late and have missing deposits!
Close the account and change the bank sucka
I have it. I like it. I used to get paid early but for some reason I never do now and I don't know why.
No on the spot way to get a cashiers check or money order with these online banks.
It's just like all customer service. What are you calling for. Ive had a card for over a year. There is a customer service number and I've called it. Mon-Fri. Your actually making them look bad. You don't have to sign up for savings. Anyone that wants to know, the card works. I have a good idea, use the product your talking about. This makes no sense, mon- Fri. Your calling the wrong number.
I cash app and zelle on chime the ATM fees are annoying
I'm trying to figure out where you get the $6 feed from cuz I'm always pulling out my money everytime I look it's $2
Hi Tommy I just need Chime 2 transfer money 2 my Brother in VA bcause he has 2 walk about 1 hour 2 get 2 a WU payout location. He has Chime Do I have 2 deposit a large amount 2 become a member? How do I transfer funds?
I enjoy the 2 day early pay. What I do with the round up is I transfer it to my Ally savings account which earns 1.9%
You can get that from varo plus 2.80% on a savings
Chime now has a apy of 1.68%
You brought some very good points that was camouflage by extreme marketing. Thank You
Your so wrong first to get paid early helps when your broke at the end of the month and be able to overdraft with no fees to have money when you need it is great so what if you have to rely on it wvery month plus i actully get paid 5 days early your wrong about custoner service as if you press 0 you get a real person or you press 8 first on the first menu then 0
Ssi check is y u got paid 5days early right? If so good.
@@game-master96 yes ss
@@game-master96 youre still waiting every 30 days for a ssi check. no?
Tommy... whats up bro.. im over seas man.. their customer service is here in Philippines.. they asking me to work... what you think?
If it’s competitive and it’s what you like to do, then sounds like a good deal
I specifically use it for a allowance account. I keep minimal funds in Chime. My main account are companies with actual customer service.
I got scammed from chime via twitter, they took my whole account
I never care about the paying to add cash. All I do is pay rent. I can transfer funds from my bank account. And go to the bank for cash. I'm like doing my banking in person. No atm, I save on chime and tranfer my funds so I earn interest. I never let my savings go over $1000
This guy is just getting clicks 1 you can't review something you never used 2 he put scam in the title but he just read through there info and all this information so it sounds pretty transparent to me and 3 all he did was voice his negative review with no personal experience and based it off assumptions
Not assumptions, based on what the competition offers vs them 😎
So far I really like it. I got paid 2 days earlier. When my direct deposit came it automatically took the 10% out of my check for savings. I love that i finally get to use a round up tool. Even though i wish it did it automatically instead of waiting for a payment to finish processing. I used to have bluebird and i switched from them to this
What about for savings what do you use, do you the Chime app or another online bank with a higher rate ?
@@TommyBryson i use bank the bank with the higher rate. Ally has a 2.10% rate for savings accounts. So i just use the round up tool and at the end of the month transfer the savings to Ally
Let me know what you think about wealthfront
@@TommyBryson okay ill check it out
😎✅ awesome
I called customer service I had no problems while this video is in 2019 so they could have got better because I'm looking at this video 2021 so they're pretty good it could have been bad in 2019 but my experience with chime I really like the customer service
This is not true information I can use everything u say I can't on my chime and I talk to a real person every time I call
Can you direct deposit yourself?
Is it possible to get the $50 from chime if I don’t have a job so there is no way to set up direct deposit is there a way to direct deposit myself does transferring money from bank bank count as direct deposit?
I started with Chime 3 months ago and I’m enjoying it.
Have you tried any other online bank ?
Nasir Aameen Is your name on the front or back?
Alayzia Powell It’s on the back
TommyBryson No this is my first online bank. I was always skeptical lol
I did a video with the top 3 online banks, here's a link.
link: th-cam.com/video/Us3ejDxPKJk/w-d-xo.html