Chime – Mobile Banking

Everyone
285,156

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 hidden 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 two-factor authentication, TouchID, or FaceID. Enable instant transaction alerts and daily balance updates, 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 a $32 overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases with no fees.

SAY GOODBYE TO 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.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
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.

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

PAY FRIENDS 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 for the Chime Spending Account are 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 $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 $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. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.See terms and conditions.

‡Out-of-network ATM Withdrawal Fees apply except at MoneyPass® ATMs in 7-Eleven, Inc. locations and any Allpoint or Visa Plus Alliance ATMs. Other fees such as third-party and cash deposit fees may apply.

^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 Spending Account within 365 days of your Credit Builder application. See chime.com/credit-builder for detail on qualifying direct deposit.

²Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
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4.6
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Alyssa Pall
November 27, 2021
44
I absolutely love Chime!!!!! It allows me to pay my bills, buy things online and instores and allows me to send money to friends when needed!!! It's the most absolutely, user-friendly and hassle free banking app! Not to mention the Credit Builder Card helped me on my way to building my credit and be...
I absolutely love Chime!!!!! It allows me to pay my bills, buy things online and instores and allows me to send money to friends when needed!!! It's the most absolutely, user-friendly and hassle free banking app! Not to mention the Credit Builder Card helped me on my way to building my credit and being able to get myself an actual credit card. I 💚 Chime!!!!!
Allistair Edinger
November 26, 2021
52
Had chime for a year. Fantastic service. The credit builder feels like an updated credit card for modern era. Gone are the days of the company taking 3 to 5 business days to take the money out of your account. You spend what you have, and they report it as good credit spending. Thank you so much for...
Had chime for a year. Fantastic service. The credit builder feels like an updated credit card for modern era. Gone are the days of the company taking 3 to 5 business days to take the money out of your account. You spend what you have, and they report it as good credit spending. Thank you so much for being there for users, unlike the brick and mortar banks.
melissa myers
November 19, 2021
127
I always get paid on time , if not earlier. Instant transfers are truly instant. The only thing I recommend is don't do transfers to Venmo with this app. They are not instant and then your money is just floating in the universe for 6 days lol. Other than that, great app. Great bank. No issues. Only ...
I always get paid on time , if not earlier. Instant transfers are truly instant. The only thing I recommend is don't do transfers to Venmo with this app. They are not instant and then your money is just floating in the universe for 6 days lol. Other than that, great app. Great bank. No issues. Only happiness. I just don't know about cashing checks because I have never used the feature. Thank you chime!
Rebecca Marks
November 7, 2021
117
I can't say enough great things about chime and how much I love it! No overdraft fee's, I get my paycheck early, I can easily switch funds between my spending, my savings, and now my credit building account and it free! The app is easy to use and I've never had a problem since I started using chime ...
I can't say enough great things about chime and how much I love it! No overdraft fee's, I get my paycheck early, I can easily switch funds between my spending, my savings, and now my credit building account and it free! The app is easy to use and I've never had a problem since I started using chime in 2019. I tell everyone that I use and love chime and I recommend it to anyone and everyone.
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What's New

The holiday season is here once again, so I thought it’d be a good time to check in. While the holidays mean different things to everyone, these last few weeks of the year can be pretty stressful. Working more, spending more, the pressure to make everything perfect for the fam—it’s a LOT. So in the time it takes to run this week’s app update (which is full of performance upgrades and minor bug fixes), take a deep breath and cut yourself some slack. You are enough, and you’re doing just fine.
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Additional Information

Updated
November 29, 2021
Size
87M
Installs
10,000,000+
Current Version
5.102.0
Requires Android
6.0 and up
Content Rating
Everyone
Permissions
Offered By
Chime
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