Chime – Mobile Banking

Chime

About this app

Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid early with direct deposit^, with no monthly fees‡.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

TRUSTED BY MILLIONS
Stay in control of your money with instant transaction and daily balance alerts. Plus, enable two-factor authentication and block your card in a single tap.

OVERDRAFT UP TO $200*
When your balance is running low, the last thing you need is an overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases and ATM withdrawals fee-free.

NO MONTHLY FEES‡
Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

GET PAID UP TO 2 DAYS EARLY
Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

A NEW WAY TO BUILD CREDIT
Use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. No interest, no annual fees, no credit check to apply.

PAY ANYONE WITH NO TRANSFER FEES
Send money to friends and family – with no transfer fees.
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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa credit cards are accepted.

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

‡Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within 365 days of your Credit Builder application. See http://chime.com/applycb for details on qualifying direct deposit.

²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®.

Address: 101 California Street, Suite 500, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.

Ratings and reviews

Edit: Went from 5 stars down to 3 stars after the last design update. Absolutely hate the new app design. I love Chime. I get paid 2 days early and I love the automatic saving features. Their customer service is great. I love the spot me feature. It comes in handy when you need it. They will ask you for a tip, but it's optional and I've never had a spot me decrease because I didn't leave a tip. I've been with Chime a long time and it's the best banking experience I've ever had.

Chime used to be a wonderful app to use!! USED TO BE!!!! They keep changing things without telling us! They took my credit level away from me like I was a child or something. When you have a dispute on a transaction, YOU HAVE TO WAIT UNTIL IT GOES THRU BEFORE THEY DO SOMETHING ABOUT IT! Why wouldn't you put a stop on the transaction until you find out what's going on? EVERY BANK DOES THAT! To be honest, I WOULD NOT RECOMMEND THIS TO ANYONE!!! I never got my money back on disputed transactions!

Please Bring Back Custom Pin Unlock Option! I've been a loyal user of Chime for quite some time now, and I've always appreciated the security measures the app has offered. However, with the recent updates, I'm disappointed to see the removal of the ability to set a custom pin to unlock the app. As someone who values added layers of security, being able to choose my own 4-digit pin separate from my phone's unlock code was a feature I greatly appreciated.

What's new

Admittedly, there’s a lot going on. Mercury is retrograde. A once-in-a-lifetime eclipse just graced North America. And taxes were just due. A cosmic triple threat. But there is a ray of sunshine you can look at directly without protective glasses, your updated Chime app. This week’s update will make you feel like the stars are aligning and the bugs are being eradicated. Because they are. So update the app, file your taxes and don’t try to schedule anything.