Chime – Mobile Banking

Chime

About this app

Better banking starts here. Unlock financial progress™ with Chime—credit tools, access to early pay, and no monthly fees.
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.

BETTER BANKING
A high-powered checking account with fee-free in-network cash deposits§§, spending, overdraft coverage, free in-network ATMs‡, and more.

EASY SAVINGS
With automatic savings tools and a high-yield savings account1, your small habits can make big strides with Chime.

GET PAID WHEN YOU SAY™
Why wait for payday? When you direct deposit with Chime you get early access to your pay, up to $500^. No interest~, no credit check, and no mandatory fees.

SMART CREDIT MANAGEMENT
Protect, maintain, and grow your credit with everyday purchases and regular on-time payments‡‡.

MEMBER PERKS
Find deals2 on everyday purchases—no matter where you are—right from the Chime app.

ANYTIME SECURITY AND SUPPORT
Keep your money and accounts safe with a modern set of features and 24/7 live human support.

SPOTME®
Get fee-free overdraft coverage up to $200* on Chime debit and credit card transactions and in-network ATM withdrawals.


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

The Chime Visa® Debit Card and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted.

MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A.

†Chime is recommended by more of its users than that of any brand in the survey per 2024 Qualtrics® NPS score. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.

¹Chime Checking Account required to apply.

~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 at www.chime.com/policies.

*Eligibility requirements and limits apply. Overdraft only applies to debit and credit card transactions and cash withdrawals. Limits range from $20-$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.

§§Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

^Eligibility requirements apply, including receipt of qualifying direct deposits as set forth in the MyPay Agreement. Not all users will qualify. Credit limits range from $20-$500.

§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 3/31/2025. No minimum balance required. Must have $0.01 in savings to earn interest. The Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for more 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

2Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.

4You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

+Bank ranking and number of ATMs according to U.S. News & World Report® 2023

‡‡Late payment may negatively impact your credit score. Results may vary.

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

I've been using Chime for years, and it's such a great banking app. No transfer fees, no overdraft fees, fee-free atms all over the place, direct deposit is lightning fast, and the user interface is fairly manageable. The one issue I've had recently, I'm not sure if it was with the last update but, there's a glitch where if I transfer a certain amount of money, chime transfers it twice, although I only did one transfer. Please fix.

Not an accurate reflection of account activity. Personal experiences: Account will be refunded, and the next day, it dissappears, or I'm waiting on a refund & 2 wks later the app still doesn't show it nor my funds but a team member confirms I received it after only 3 days. I've had disputes not show, transactions missing for entire months, and more. Not only do I not recommend the Chime app, but I don't recommend this online banking platform. If ever there is an issue...!!!

I have used Chime for years. It's a great way to help balance and stay on top of your finances and credit. Thera just one problem, it is ridiculous that you are not allowed to get a completed direct deposit form in an amount other than a full deposit. There's even two other boxes to select for a dollar or percent amount but you can't choose them. If you plan on splitting your paycheck between chime and another bank, hope Chime gets the bulk of it.

What’s new

August’s sun is still up, and at Chime we’re still updating. Remember how we gave you app shortcuts last week? Along with the usual bug fixes and behind-the-scenes tune-ups, we’ve also added a small “Add money” shortcut to your Home screen—just a quick tap if you need a top-off before your next summer move. Call it an update to an update.