Chime – Mobile Banking

345K reviews
Content rating
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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 up to 2 days 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

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.

We get it– when your balance is running low, the last thing you need is a $32 overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases with no 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 your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

Whether it’s for gas or groceries, use Credit Builder¹ to help increase your credit score by an average of 30 points² with regular on-time payments. No interest, no annual fees, no credit check to apply.

Save money without even thinking about it. Automatic Savings features help you save money any time you spend or get paid.

Send money to friends, family, or roommates as fast as a text – with no transfer fees.


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 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.
Updated on
May 23, 2022

Data safety

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Ratings and reviews

345K reviews
Luke Northcutt
May 22, 2022
I've had chime for years, they're always there to help, and they work very hard being prompted, they do well on trying to save you time money, and stress free. Customer service is always great, I can't recall a time they weren't able to figure out any issues related to transactions, or other concerns. Thanks for everything chime
11 people found this review helpful
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Misty Peoples
May 18, 2022
Amazing banking app. Easy to set up direct deposit, you can pay someone to ANY app, they help you build your credit score with literally NO EFFORT on your part, they have deals with certain companies to help you save money, and they can also automatically move money from your direct deposits to your savings account all on its own! no thought on your part - it makes it SO easy to save. They also give you $20 overdraft protection right when you sign up!! Also friend referrals get both of you $100
104 people found this review helpful
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Paige Spencer
May 18, 2022
The app is easy to navigate. Ability to lock or unlock my cards & view my card information right through the app is super convenient. Also, easily transfer between checking, savings, &credit accounts. Being able to utilize the Spot Me feature on rainy days between paychecks was a huge relief. To top it off, it's stupid easy to send money to family & friends when they're in need, and vice versa with receiving money. Oh yea, and I get my direct deposit two days earlier than my original payday.
59 people found this review helpful
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What's new

You: What do we want? Performance updates and bug fixes! When do we want them? Weekly! Us: Done. You: Wait—It’s that easy? Us: Yep. You: How? Us: Our team of crazy smart and good-looking engineers functioning on pure adrenaline (and maybe a bag of Hot Cheetos or two) work around the clock to make sure the app is always running smoothly and bugs are kept at bay—so all you have to do is smash that update button. You: Wait, did you say Hot Cheetos?