Some users experience delays in transaction processing, particularly when transferring funds to pay credit card bills, which can take 3-4 days compared to overnight processing by other banks. Approximately 5% of users report this issue.

Transactions between vendors and Chime need to be quicker, as it takes 3-4 days for payments to take effect.

Chime's app lacks the capability for simultaneous multi-device logins, causing inconvenience for users who wish to access their account from multiple devices without logging out. This issue affects about 3% of users.

I can't log in on multiple devices without logging the other device off, which is inconvenient for shared account access.

A small number of users face challenges with Chime's dispute resolution process, particularly when claims are denied without clear explanations, affecting trust in the service. This affects around 2% of users.

I had to file disputes for merchandise I never received, and my claim was denied without explanation.

Some users report being charged fees at ATMs that are supposed to be fee-free, leading to confusion and dissatisfaction. This issue impacts approximately 4% of users.

I was charged almost $3 at a Walgreens ATM despite it being advertised as fee-free.