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

Id give it 5 stars but I'm getting SO frustrated. The website says everything's fine but its not. Sometimes, like right now, I can't tap on anything in the app 🤷🏼‍♀️ I can scroll up & down the main page, but it's completely unresponsive when I tap on anything, it just stays on that page. I can't transfer money or look at my purchases, nothing. And I'm sad that you're getting rid of my paycheck! That was so convenient. I really hope it's replaced with something else soon.

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.

The app and the banking is wonderful. I love it. The customer service is not the greatest. There was unfortunatly a language barrier between myself and the Customer Reps I have talked to and a lot of misunderstanding happened. I had some issues that were not completly resolved and I had a card ordered for me that I did not need or ordered. After not getting my issues resolved, I just gave up on the phone calls and hoped for the best.

What's new

Finally, the weather seems to be getting warmer after what feels like the permafrost. I was rocking my puffer jacket up until last week, basically. We’re finally thawing! In Chime app update land, it’s always summer camp life though. We’re sitting around a bonfire, playing Wonderwall. We’re skinny dipping in the lake. And, of course, we’re smashing bugs.