Chime – Mobile Banking

4.6
599K reviews
10M+
Downloads
Content rating
Everyone
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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.
Updated on
Mar 18, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info and 2 others
This app may collect these data types
Location, Personal info and 6 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
592K reviews
Hype Jay
March 16, 2024
super easy to use, withdrawal money, and send money. not to mention the spot me which is fee free you're just asked to tip to help others as well. I've had for almost 6 years and haven't had a problem. easy to dispute any charges and can control everything by app. would highly recommend to anyone. credit builder built my credit 100 points within 6 months.
26 people found this review helpful
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Aaron Blankenship
March 17, 2024
Qs far as Checking and savings accounts go, I've had a few issues but uexpected after banking 3+ years. But about a year ago I switched jobs and my new direct deposit started going here. Then all of a sudden my Credit Builder Card gets denied they closed my Credit Builder accout for no payment!! I forgot to add my direct deposit to take a portion of $ out which was shown as nonpayment! It's a Damn prepaid credit card, how can you not make a payment on a prepaid card. There NO payments to miss!!
24 people found this review helpful
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Chime
March 17, 2024
Hi Aaron! We appreciate the review, and we're sorry to hear about your recent experience. We'll share your feedback with our team and look into this. In the meantime, if we can help with anything, get in touch with us in the app or at 1-844-244-6363!
William Delbridge
March 15, 2024
I love Tha different accounts, checking, credit builder and savings. easy to instantly transfer money between them, as much as you want and often as you want for free. nothing builds credit faster. also free boosts, go negative without penalty, you can earn money when your friends n family join with a direct deposit. I'll never use a bank again!!!
24 people found this review helpful
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What's new

Mo’ money, mo’ feelings. That’s the Pisces version of the song, right? The astrological season of all-of-the-feels is upon us. Sure, don’t forget to tend to those emergency savings funds, but also double down on your daydreams. Light your manifesting money candle and go with your (cash) flow, not theirs. This week’s app update is a vibe AND reality check. It’s your boundary BFF, keeping the bugs and glitches out of your account. That way, you get more emo time with your vision board…obviously.