Chime – Mobile Banking

Chime

About this app

Chime is The Most Loved Banking App®. Get Paid When You Say with MyPay™, overdraft fee-free with SpotMe®, and improve your credit with Credit Builder.

Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. The Chime® Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. May be used everywhere Visa cards are accepted.

SAFE AND SECURE
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.

GET PAID WHEN YOU SAY™
Access up to $500^ of your pay any day you want with no credit check, no interest~, and no mandatory fees with MyPay. Get it for free within 24 hours, or instantly for only $2 per advance.

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 Chime debit card purchases and in-network ATM withdrawals fee-free.

SAY GOODBYE TO MONTHLY FEES
Your Money Shouldn’t Cost Money.TM Chime has no monthly fees, minimum balance fees, or foreign transaction fees. Plus, access 50k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT
Use the Credit Builder card¹ 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, family, or roommates as fast as a text – with no transfer fees.
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MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A.

^MyPay is a line of credit. Available limits estimated are based on income and risk-based criteria and range between $20 – $500 per pay period. Chime Checking Account and qualifying direct deposits required to be eligible for MyPay. MyPay is currently only available in certain states. Terms and conditions apply, see www.chime.com/mypay for details.

~Option to get funds instantly for $2 per advance or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details to www.chime.com/policies.

*SpotMe® on Debit eligibility requirements apply. Overdraft with debit card only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200.

‡Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card.

²Avg 30 point FICO® Score 8 increase over time with regular on-time payments. Results may vary, see Chime.com/disclosures for details.

**Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer

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.

Ratings and reviews

Phenomenal...I love this card so much! It's like having a bank right in my purse and I can do everything directly from my phone. And no fees! I love that! Thank you chime, I even get my paycheck 3 days early...EDIT:The 1 and only issue I have with the app now is the new MyPay feature only gives you bits and pieces of the money you're borrowing instead of a bigger chunk. If I needed it to go towards rent or something, I wouldn't be able to get it for several days. Then there are late fees.🥺

Pretty good app and system, has helped me a lot since I been unemployed. Only real complaint I have is when opening the app sometimes and it taking forever to get past the title screen. It's very annoying when I'm trying to check some things and it just sits at the Chime logo screen. I close and open a few times but it still occurs until it randomly decides to fix itself. Dont know of it's a glitch or a bug but that needs to be rectified. It's annoying and inconvenient.

The recent update to Chime app has made it even harder to just lock/unlock a card. We should be able to do that quickly and easily. Also, the view of the card page should, by default, show our physical cards, not virtual. I have seen on multiple platforms, people complaining about the hassle of freezing cards now. I've read ppl are leaving chime bc of this and my pay. **Not long ago, I suggested a widget to easily freeze/unfreeze our cards!!!

What's new

Happy *Girl New Year*. Girl New Year is basically back to school season when the leaves start falling, the air starts getting crispy, and it’s time to buy new fall outfits. Maybe some fresh pens. Some cute erasers. Girl New Year means deleting all the old apps you’re not using from your phone, and updating your Chime app with the latest bug fixes and performance updates. All that’s missing is a pumpkin spice latte, and you’re ready. Happy GNY!