Chime – Mobile Banking

631K 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
May 17, 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

623K reviews
Rocky Cotton
May 12, 2024
I kept having my bank/c.u. accounts hacked/fraudulent charges. Not a problem since chime. As well as it helps credit. I just wish it was easier to load money on the card. The app is decent. Bill tracking should have some updates, I am personally losing a lot of credit because it doesn't recognize them and of course they are really the biggest ones. only other thing I'd change would be the ability to change what you veiw for accounts and whatnot on home screen. Great way to bank so far.
323 people found this review helpful
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Bud J
May 18, 2024
App suddenly stopped working randomly on my android phone. Gets stuck on the green chime screen. I've cleared my cache. Uninstalled and reinstalled the app. I've now also cleared my data restarted the app and that didn't work, still displaying the green chime screen. I've also restarted my phone after clearing data and that didn't work either. Never had a problem with this app until the past 2 days.
9 people found this review helpful
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May 18, 2024
Hi Bud! We appreciate the feedback and we're sorry to hear about your recent experience. Members can clear their app data by following these steps: 1. Open Settings. 2. Select App/Applications. 3. Find and open the Chime information page. 4. Select Storage. 5. Clear data. Note: Once done with clearing data, restart the app.
Nigaila Gibbs
May 18, 2024
I've been w them ab 4 yrs. they are great. even though there isn't a physical location you can visit, there customer service is 24/7 actively solving problems. there are alot of benefits to using chime such as spot me, and my pay (my paycheck) all for free if your in a pinch. there are very few things that you can't achieve w a chime account. the new cash back chime deals are awesome! I really do like how easy chime makes everything.
10 people found this review helpful
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What's new

They say don’t judge a book by its cover. Which is good advice for books and terrible advice for apps. You see, we here at Chime dot com have discerning taste when it comes to design. We think a banking app can be more than just numbers on a screen. It can be beautiful, simple, and most importantly, different shades of green. So when you update the app this week that’s what you’ll find: new beautifully designed illustrations, all in your favorite banking app.