Chime – Mobile Banking

616K 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 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.

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.

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.

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.

Send money to friends and family – 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.

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
Apr 9, 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

608K reviews
Amanda Pirtle
April 11, 2024
I like the ability to pay anyone. I don't like that the credit builder has drop my credit score 20+ points. Also they changed the wayy account looks and cancelled biometric unlock. I am not sure if they are having issues but since it needed an update nothing works right and I hate how it looks. I want my account in app to look like it used to.
46 people found this review helpful
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April 11, 2024
Hi Amanda! We appreciate the feedback and we're sorry to hear about this. Having multiple issue is incredibly frustrating. If we can help with anything, get in touch with us in the app or at 1-844-244-6363!
M Hamby
March 22, 2024
Pros: Good app UI, setting up accounts is easy, transferring money is pretty simple. Cons: Both my Equifax & Transunion scores dropped 23 points after having a balance on my Chime Credit card (Which isn't really a balance at all, bc you have to put money in the credit account to use the card period, so the "balance" was the amount I put in, which is also the credit limit). That reason alone makes Chime credit not worth it imo, the debit card is fine, nothing special about it.
810 people found this review helpful
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March 22, 2024
Hi there! We're very sorry about this. Credit scores are determined by the bureaus independently and are based on a number of different factors. Consistent use of Credit Builder can help you build payment history, increase the length of your credit history over time, and more. Also, get in touch with us in the app, or at 1-844-244-6363.
Tomlinson Michaels
April 10, 2024
So many things to help you, Credit builder, boosts, track your spending, able to turn card on or off. I had a bad experience with an ex who repeatedly stole my card number and tried to charge multiple items a number of times. They completely handled it and promptly. If you dont currently bank with them, do so now.
56 people found this review helpful
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What's new

Can we talk about April? Is it the most superior of the months? Possibly. Am I born in April? Also possibly. But that’s beside the point. The point is, it’s the perfect month for going outside, getting euphoric when the weather occasionally hits over 70°, being Fooled™ on the 1st, and spring cleaning both your wardrobe and your phone. So, delete apps you haven’t touched in months and get those bug fixes and performance updates for your Chime app. Boom. Bug free, spring prepped, and foolproof.