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*
We get it– 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.

SAY GOODBYE TO MONTHLY FEES‡
Your account shouldn’t cost you money. 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.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
Whether it’s for gas or groceries, 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, family, or roommates as fast as a text – 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®.

Ratings and reviews

Easy-to-use with prompt service. Everything works as it should. I haven't personally ran into any issues on my own account. Spot me is a nice feature, however the application could be improved by giving the consumer the opportunity to give a tip of any ammount rather than the 3 pre-made offers. I was going to round up what I owed but was unable to do so and it only offered percentage based tips. In app transfers are instant but can take 48 hours with certain banks for some reason.

I have used Chime for about 3 years now, and I love it. However, for the last few months, anytime I try to turn off/on my card, and anytime I try to transfer money from one account to the other, the app just freezes up. Then, I have to force-stop the app via my settings and start all over again - very annoying.

Love love love chime!! I actually gave their credit (debit) card. They essentially charge it like a debit account (you spend what you have and no more) but they report to the credit bureaus that you are paying a monthly credit bill. So it helps to build your credit. They offer deals with other companies to get cash back. I've never had any issues with customer service, replacing my cards, plus you get your paycheck 2 days early!!

What's new

AI this, AI that. It’s seemingly everything, everywhere, all at once. You know, launching design features that have eyeballs turning. Playing language tutor to kids. Diagnosing diseases at the drop of a hat. Can it find me my soulmate? But for all its greatness, AI still can’t make Chime better, faster or stronger. Only humans can. Like our stellar engineers that keep you and your accounts safe with their genius bug fixes. No offense AI, we’ve got a human for that.