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 up to 2 days 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
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 a $32 overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases with no fees.
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 help 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.
REACH YOUR MONEY GOALS
Save money without even thinking about it. Automatic Savings features help you save money any time you spend or get paid.
PAY ANYONE WITH NO TRANSFER FEES
Send money to friends, family, or roommates as fast as a text – 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 http://chime.com/applycb 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.
Well folks, we’ve got a hot one for you today. Hot off the press for these incredibly hot times. For this update, our wildly intelligent engineers have found a way to make your app experience even smoother. Or dare I say, cooler. While the physical world is hotter than a metal seatbelt in Texas, our app runs like a breeze. And next up our engineers will invent an actual breeze. So check back here every week, forever, on all things breeze. Banking made… Breezy. Ok, I’ll stop now.
Ratings and Reviews
Excellent customer service
Chime is an amazing bank!! I originally joined to get my first stimulus payment and I didn’t want bank with any other bank since I got my account years ago! The customer service is always helpful and friendly; they don’t charge fee’s and on top of that they’re always good with offering their customers an opportunity to improve their credit score with the chime credit builder and not just that fact, but offer a monthly spot me for your account. I just appreciate a bank that is about great with customer service and goes above and beyond for their customers. This bank has been my bank for years and I would not switch because they are doing the best job and offer many ways to make it easy for you. I can pay my friends and mother directly every month without fee’s no matter their banking account information! There is no reason to not bank with chime and many positive reasons to make them your bank. You can deposit money at Walgreens free of charge and it is available in minutes chime chooses to make it easy and affordable in always in your favor by not charging fee’s and also doesn’t hold on to the deposits the way regular banks do! You get your money quicker and if there’s ever a problem chime fix’s the issues without hassles! 5 stars!!! + more stars and then some more !! Chimes a game changer with the way they handle banking!
What’s the catch?
There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe.
amazing if you live paycheck to paycheck
i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit.
the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together.
it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
- Sensitive Info
- Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- Chime Financial, Inc.
- 183.2 MB
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Requires macOS 11.0 or later and a Mac with Apple M1 chip or later.
- Age Rating
- 4+ Infrequent/Mild Contests
- This app may use your location even when it isn’t open, which can decrease battery life.
- © 2022 Chime
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