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

The latest app design is a perfect example of if it ain't broke, don't fix it. two designs ago, I was able to access my debit and credit cards with one or two clicks. now? it's buried behind multiple layers of obfuscation and annoyance. prime example of developers getting paid to make things look slick while decreasing usability. by far, the worst app design yet. this is bad.

The new update of chime runs really slow. The previous version responded right away but this one lags a lot. it is frustrating bc I'm used to the snappiness of any selections I would make. it's not my phone bc this is the only app on my device that lags like that. I also think the new layout is only so so that's why 3 stars Hope this issue gets resolved soon.

Remove 2 stars because whose idea was it to change the WHOLE Chime app background to this unexplainable hideous green color🤢. When I logged in, I immediately felt nauseous and dizzy trying to navigate through the app to unfreeze my card. This color or any other color like the dark or light options should be a choice not a force. Change it back please! It will cause customers who suffer from Color hypersensitivity, Sensory Overload and Photophobia, instant discomfort

What’s new

It’s been seven sunrises and two moon phases since we last caught up. So, what’s new? In this installment of “thank goodness it’s update day,” we have the usual bug fixes and performance improvements. Hopefully you’ve come to expect nothing less. What else? Oh! There’s Chime+ and a bunch of good’uns with it. Let’s see, we’ve got personalized Chime Deals, a new savings goals tool, a swankier vibe, and more. If you’re not seeing these yet, don’t sweat—you will soon.