Chime is mobile and online banking with no hidden fees: get your paycheck up to 2 days early* with direct deposit, have fee-free overdraft when you’re in a pinch, grow your savings automatically, and manage your finances like a boss using the highly-rated Chime mobile banking app.
When you bank with Chime, you get a Visa® Debit Card, a Spending Account, and an optional Savings Account to help you save money.
Applying for an account is free, takes less than 2 minutes and it won’t affect your credit score!
Here’s what our members love most about Chime:
• Get your paycheck up to 2 days early* with direct deposit
• Fee-free overdraft.** We’ll spot you on debit card purchases with no overdraft fees.
• No hidden fees: no monthly fees, no overdraft fees, no foreign transaction fees, no minimum balance requirements
• Over 38,000 fee-free ATMs with Moneypass and Visa Plus Alliance
• Real-time transaction notifications
• Daily balance alerts
• Block your card instantly in-app
• Grow your savings automatically with our Savings Account
• Send money instantly with Pay Friends to other Chime members.
• Deposit checks using Mobile Check Deposit for eligible members.^
• Apple Pay™ / Google Pay™ for when you forget your wallet
• Move money between your other bank accounts
• EMV chip card security
• Friendly and responsive customer support
With the Chime mobile banking app, you can stay in control of your money. Track your spending, link your other bank accounts, and save money.
How to switch banks:
• Step 1: Open Your Account: Download the app and sign up. Once approved, we’ll send you your Chime card within two weeks!
• Step 2: Fund Your Account: Set up a direct deposit with your employer or payer to have funds deposited to your Chime account every payday. You can also connect other bank accounts and transfer funds from your existing bank account.
• Step 3: Update Bill Payments: Activate your card when it arrives, add it to Apple Pay, and set up recurring bill payments with your Chime card number or with your Chime Spending Account and routing numbers.
For more information please visit www.chime.com.
Banking services provided by, and debit card issued by, The Bancorp Bank, or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. Debit card may be used everywhere Visa debit cards are accepted.
*Early access to direct deposit funds depends on the timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
**Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.
^Not all new or existing customers are eligible to use Mobile Deposit. There are qualifications and enrollment requirements for participation in Mobile Deposit, and we reserve the right to change the qualification and enrollment requirements in our sole discretion at any time without prior notice. We may require you to upload a picture of your driver’s license or other identifying documents prior to using Mobile Deposit. Eligibility requirements can be found online after you have signed into your Spending Account.
Psst. Hey. Yeah you. Click here* if you're looking for a good Chime.
*By "here" we mean the "Update" button, where we bring you new features such as:
∙ The "ATM Map" tab has been renamed to "Get Cash", because it lists cash back locations too!
∙ When paying a friend, the amount entry field now has a blinking cursor, making it easier to tell where you're typing!
Ratings and ReviewsSee All
I LOVE CHIME
I have banked with suntrust and Wells Fargo through my early financial years I started banking and I was 15 I believe under a joined account with my mom after being a irresponsible kid and over drawing my account countless time paying fee after fee I was tired of regular banks and that’s where chime came in they are absolutely amazing cute little features like telling me my balance in the morning with emojis 😹actually allowing for overdraft with a feature called spot me it allow you to overdraft up to$75 with no fees for when your like one day away from payday and you need some gas to get to work or just a extra cup of coffee to get your morning going chime literally has your back I would definitely recommend the app to any young people who want to start banking that may not have a lot of experience budgeting, saving , or spending money in a bank account they send you a card that is compatible with Apple Pay which makes it so convenient and user friendly their customer service line is always responsive and very nice if I had to change one thing with chime it would be to add a feature to be able to search for through your transactions and maybe add Zelle to the app or a feature that would allow me money directly from my bank account to other people who don’t have a chime account without having to use cashapp or PayPal other than that they are doing totally awesome
I LOVE this Bank!!
I have been with Chime for quite some time now and let me tell ya, when I say they are amazing... THEY ARE AMAZING!! I was with a Credit Union for a little while and they told me I was set up with an account that I couldn’t over draft in... yet every payday I was magically some odd amount in the negative. It NEVER failed! Then, I decided to give Chime a chance and see what happened. NOT ONLY do they not charge fees but they have this really cool setting that makes it SUPER easy to
save called “Round Up” and basically what that does is every time you add money to your account it saves a percentage of that amount. Which is BEYOND helpful. It does the same when you spend money as well, except, it rounds up to the next dollar amount I believe. Their customer support via Phone/Email is FANTASTIC! The workers are so sweet and helpful and anytime I’ve had to call they fixed what ever I needed! I’ve only had to call them twice and neither were to complain but to figure out something or get an answer to a question I didn’t know.
I’m not gonna lie, at first I thought it was a scam, or just another ad on FB... but I am honestly SO happy that I switched. If it wasn’t for them my taxes would’ve already been fully spent and most of it in fees 😂 I HIGHLY recommend dumping your physical bank and joining Chime. It’s worth it... I PROMISE!!
Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with Chime. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in the app, it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.)
Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. Chime has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with chime and I hope that it never does.
Not revenant to the app or bank- but cashiers at the store always say the card is a cute color lol.
- Chime Financial, Inc.
- 49 MB
Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.
English, Arabic, Czech, Danish, Dutch, Finnish, French, German, Hebrew, Hindi, Hungarian, Indonesian, Italian, Japanese, Korean, Malay, Norwegian, Polish, Portuguese, Romanian, Russian, Simplified Chinese, Slovak, Spanish, Swedish, Thai, Traditional Chinese, Turkish, Vietnamese
- Age Rating
- Infrequent/Mild Alcohol, Tobacco, or Drug Use or References
- This app may use your location even when it isn't open, which can decrease battery life.
- © 2019 Chime
With Family Sharing set up, up to six family members can use this app.