Chime - Mobile Banking

Everyone
194,784

Chime offers mobile and online banking through its banking partners with no hidden fees‡. Do more with your money with fee-free overdraft*, get paid up to 2 days early with direct deposit^, and grow your savings instantly with purchase round ups and an optional High Yield Savings Account (get up to 0.50% APY‣ ). Save, spend, and manage your finances with the highly rated Chime mobile banking app.

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Here’s why millions are banking with Chime…

FEE-FREE OVERDRAFT
With SpotMe, eligible members can overdraft up to $100* on debit card purchases with no fees. It’s overdraft protection, but better.

GET PAID 2 DAYS EARLY
Get your paycheck up to two days earlier^ than you would with traditional banks with direct deposit. Deposit paychecks, unemployment benefits, government stimulus payouts, and tax returns into your Chime account.

NO HIDDEN FEES‡
A bank account shouldn’t cost you money. Chime has no overdraft fees, no monthly maintenance fees, no minimum balance fees, no foreign transaction fees, and no minimum deposit required. Plus, over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance

SAFE & SECURE
Your security is our top priority. Chime sends you instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications, so you always know what’s happening with your money. Instantly block your card if it goes missing or you suspect unauthorized use.




SAVE WHEN YOU SPEND
Save When You Spend automatically rounds up transactions to the nearest dollar and transfers the Round Up from your Spending Account into your optional Savings Account.

PAY FRIENDS WITH NO TRANSFER FEES
Send and receive money from friends, family, or roommates with no transfer fees. Different from other peer to peer payments apps, money is deposited into your Chime Spending Account.

For more information please visit www.chime.com.

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***Learn how we collect and use your information by visiting our Privacy Policy at https://www.chime.com/privacy***

Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. Debit card may be used everywhere Visa debit cards are accepted.

‡Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
*SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 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. For more information, visit: https://www.chime.com/policies/bancorp/spotme_terms.
^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.
‣The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.
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What's New

We're working on making the app more stable and useful in ways that are hard to describe. Instead, I will describe to you the scent of hot, savory chicken soup as you curl your toes in soft, fuzzy socks while the faint sound of rain and/or snow whispers against a window. Please enjoy.
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Additional Information

Updated
December 17, 2020
Size
94M
Installs
5,000,000+
Current Version
5.58.0
Requires Android
5.0 and up
Content Rating
Everyone
Permissions
Offered By
Chime
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