Chime – Mobile Banking

Chime

About this app

Chime is The Most Loved Banking App®. Get Paid When You Say with MyPay™, overdraft fee-free with SpotMe®, and improve your credit with Credit Builder.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. The Chime® Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. May be used everywhere Visa cards are accepted.

SAFE AND SECURE
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.

GET PAID WHEN YOU SAY™
Access up to $500^ of your pay any day you want with no credit check, no interest~, and no mandatory fees with MyPay. Get it for free within 24 hours, or instantly for only $2 per advance.

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 Chime debit card purchases and in-network ATM withdrawals fee-free.

SAY GOODBYE TO MONTHLY FEES
Your Money Shouldn’t Cost Money.TM Chime has no monthly fees, minimum balance fees, or foreign transaction fees. Plus, access 50k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
Use the Credit Builder card¹ 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, family, or roommates as fast as a text – with no transfer fees.
–––––

MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A.

^MyPay is a line of credit. Available limits estimated are based on income and risk-based criteria and range between $20 – $500 per pay period. Chime Checking Account and qualifying direct deposits required to be eligible for MyPay. MyPay is currently only available in certain states. Terms and conditions apply, see www.chime.com/mypay for details.

~Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details to www.chime.com/policies.

*SpotMe® on Debit eligibility requirements apply. Overdraft with debit card only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200.

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

¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card.

²Avg 30 point FICO® Score 8 increase over time with regular on-time payments. Results may vary, see Chime.com/disclosures for details.

**Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer

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

I absolutely love Chime, and I use it all of the time. Their services are very convenient and are free for the most part, which is very hard to believe. Chime is great for anyone needing a checking account. Positives: - A map of ATM and deposit locations are built into the app - Getting paid early with direct deposit - Transaction notifications Negatives: - The credit builder feature is pointless - The map isn't kept up to date on which businesses support Chime (Loves truck stops don't)

Within 2 years of signing up with Chime, my credit score went up by 211 points (with the credit builder card). This is the best card/bank I've ever used. My credit is saved! User interface is easy to understand & visually appealing. Also, I love the perks like being able to have a certain amount go into savings & the option that helps you build your credit with no possiblity of ruining it in the process. You will not be disappointed!!

I've had chime for almost half a decade and it's been a reliable and to be honest, extremely generous, mobile banking app and banking decision that I've had no reason to regret. I was a little sketched out on the mobile bank app thing at first but other than not having a physical bank location (which is remedied if you need to make a cash deposit by going to a huge list of convenience stores, pharmacies, department stores, and gas stations and simply doing it at checkout.) no complaints here!

What's new

Everyone knows about Self-Care Sundays, but why stop there? You should try making self care an everyday thing. How about Fab Feet Fridays? A Lot of people neglect their feet—guys, I’m looking at you. Get a pedicure and thank me later. Or Sheet Washin’ Wednesdays? We all know the saying “clean sheets, clear minds, can’t lose.” And the most important—Tune-up Tuesdays: where you smash that Chime app update button. Because a smooth-running app is like self-care for your cash.