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

(To update), I found signing in is slow at times, it's frustrating when waiting to transfer funds in the store to purchase something, otherwise, chime is the best, having a checking and savings account is great for anyone and has ways of engaging with others through boosts/spot me & has a credit builder. (In my old) review I had issues accessing the account due to a phone number change and having to verify phone number, which isn't a reliable verification source for any app.

I LOVE Chime banking and credit builder. It has made a huge difference for me and my credit score and it's so easy to set up and use. The app is super user friendly and Chime allows you to do the stuff that honestly just makes sense. For instance you can link and transfer money from venmo, Cash app and various other apps that we all use. Also you can transfer money to anyone regardless of the bank they have and they don't have to sign up for anything. It's a no brainer to use Chime.

I signed up for a credit builder account last year. Never received the card for it. They tried sending it twice. I had to have the account closed. Despite contacting customer service at least 10 times at this point, the notifications related to the credit builder account will not go away on the app. One to activate the card and one to set up the account, which just showed up today despite the account closing 9 months ago. I've done everything they've suggested to make them go away. Useless.

What's new

Ever want to control time? Yeah, us too. But until we’ve created a way to app-update yourself into the future, we have the next best thing. MyPay. Without getting into anything that would require legal jargon, it’s our new super awesome feature that lets you access money between paydays when you want it. Get on the waitlist in the app. Just don't leave without tapping “Update” for the latest bug fixes and performance enhancements. Your future self will thank you.