Chime – Mobile Banking

Chime – Mobile Banking

By Chime Financial, Inc.

  • Category: Finance
  • Release Date: 2014-03-16
  • Current Version: 5.162.0
  • Adult Rating: 4+
  • File Size: 164.66 MB
  • Developer: Chime Financial, Inc.
  • Compatibility: Requires iOS 13.0 or later.
Score: 4.81358
From 596,065 Ratings


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. 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. May be used everywhere Visa cards are accepted. TRUSTED BY MILLIONS 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. OVERDRAFT UP TO $200* We get it– 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. SAY GOODBYE TO MONTHLY FEES Your account shouldn’t cost you money. 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 PAID UP TO 2 DAYS EARLY Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks. MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT Whether it’s for gas or groceries, 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. PAY ANYONE WITH NO TRANSFER FEES Send money to friends, family, or roommates as fast as a text – with no transfer fees. ––––– *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. Only SpotMe eligible members may send boosts. ‡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. ¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card. See to learn more. 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. ³Based on Bankrate’s 2022 Checking Account and ATM Fee Survey: Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®.



  • Don’t waste your time

    By Codysmuva
    Chime “use to be” a good company but they all are when they’re “new” and need to build up a clientele, but honestly its not worth it they scam you, don’t refund your money once you call dispute claims they basically don’t build rapport with people so being a wise new 30 im closing this account because i seriously can’t take the disrespect from a “customer care rep” who im never going to meet yet they want me to trust them with my money and I can’t even have a civilized conversation with them when it is a issue they place you on hold, and give you the run around until you eventually decide to hang up or you like me and they keep you on for over 5 minutes some times this should never happen when it comes to peoples hard earned money, its my money why am arguing with a “stranger” about it, only thing ppl still like about chime is the “spot me” and you still gotta pay that back so yeah “free overdraft” is honestly all they off in they scam that money back letting you overdraft up to 40 bucks or more but you still have to pay it back so i mean its still a fee basically
  • Account locked

    By Johnson903
    Definitely bad customer services
  • Great

    By Gudamode536
    Amazingly awesome
  • Soooo convenient

    By uzer421
    Love this banking system
  • Chime

    By teraw37
    Direct deposit is horrible on being on time
  • Awesome

    By Christmas Wilson
    I love chime honestly sometimes I do wish my base spot me was higher and stayed the same whether I’m employed or not.
  • Great Banking Option

    By ILoVeThIsGaMe111111999656373
    Love how easy to use and well updated it stays so I can stay up to date with how much money I have and where it’s going
  • Chime bank account

    By My reviews for everything
    Greatest bank account I have ever had hands down!!!!
  • Love this card

    By hayesfordays
    I have had such terrible luck with banks in the past. Chime has been super easy to access, super easy to pay bills and just generally stay on top of my finances. Chime offers amazing options to build credit too! I couldn’t be happier with Chime!
  • Sosa man

    By the green robbery
    I’ve had chime for about 4 years now and I can’t complain any problem I’ve had has been resolved swiftly and professionally.