Chime – Mobile Banking 4+

Save, Spend, Build Credit

Chime Financial, Inc.

    • Free

iPhone Screenshots


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.

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.

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.

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 your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

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.

Send money to friends and family 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®.

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.

What’s New

Version 5.223.1

Ever want to control time? Yeah, us too. But until we’ve created a way to app-update yourself into the future, we have the next best thing. MyPay. Without getting into anything that would require legal jargon, it’s our new super awesome feature that lets you access money between paydays when you want it. Get on the waitlist in the app. Just don't leave without tapping “Update” for the latest bug fixes and performance enhancements. Your future self will thank you.

Ratings and Reviews

4.8 out of 5
800.9K Ratings

800.9K Ratings

Kati3K@t ,

Simple & hassle free! No overdraft fees!!!

I’ve been using Chime for a little over a year now & I absolutely love it! I love the convenience of being able to manage all my accounts from my phone, & the app is very user friendly & simple to navigate. One of the biggest reasons I’ve heard others say they are reluctant to use Chime is not being able to go into a physical bank location if they have a problem with their account. However every time I have had questions or issues & used the chat feature, my problems were resolved right away! I also love that there are NO OVERDRAFT FEES & you get a REAL TIME BALANCE!!! The reason I left my previous bank for Chime is because they were very slow to post transactions; so I’d check my balance & think I had enough to to pay a large bill only to find out days later that I did not have enough money & then get hit with a $30 overdraft fee EVERY SINGLE DAY MY ACCOUNT WAS NEGATIVE. With Chime, you can see your pending charges, & they will even spot you up to a certain amount until your next pay day if you accidentally overdraw your account! If you do accidentally overdraw & don’t have enough funds available in Spot Me credit, they just decline the transaction instead of hitting you with overdraft fees. All banks need to do that in my opinion! I highly recommend banking with Chime!

Omuyasha ,

A good and simple banking service

Chime is just what you would expect out of a bank. You can open a checking and savings account just as you would with any other banking service. One of the main things that stand out to me over other banks is their app UI, it’s very simple and clean, making it easy to find what your looking for. I absolutely hate that most bank apps have so much stuff on their UI that you can forget where things are. Chime keeps everything neat by keeping what’s important easy to see and the rest of it under the settings. The SpotMe feature kind of feels like a gimmick. I thought it was cool at first but the main problem with it is that they are turning overwithdrawals into a “I got your back” feature; almost as if they are encouraging it. The only difference with the SpotMe feature is that you will not be charged a fee for doing so. I personally think it’s a bad idea because this feature can encourage bad financial decisions, especially because they offer boosts that increases the amount you can overwithdraw. It’s a nice feature to have when your struggling but it shouldn’t be encouraged. Also, one of the downsides to it is that you can only use the SpotMe for online purchases but not for paying bills which begs the question, “is this really to help you or is it to encourage spending over your balance for things you want?”. Aside from this feature it’s a pretty good making service.

Bam bam 90 ,

Best Banking account and credit building account!!

So I wanted a checking account to have my checks deposited in every pay period but I wanted an account that lets me sign in on their app for all the companies I pay bills with like spectrum, AMERUN UE, Spire Gas bill, T-Mobile bill, and many more and chime allowed me to not only set up my payments from the chime app and allowed me to log into them but chime also set me up with a credit builder account so I can move all my bill money instantly to my credit building account (they supply you a green credit card as well) and I pay all my bills with the card but also everything else I purchase or pay for I use my credit building card and they literally report EVERYTHING! It’s helping me build my credit and get my debts paid off as well and reports that too! I’m telling you Chime is where it’s at! I used to have a regular checking account at a local bank but kept getting hit with overdraft fees constantly so I switched to chime ! Also when you set up direct deposit and you get your first direct deposit chime will sign you up for something called “Spot Me” which will allow you to borrow money for debit card purchases only so you can use it for anything but an ATM but I’m ok with that and you don’t get hit with all those overdraft fees ! I’m telling you go sign up now!

App Privacy

The developer, Chime Financial, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data
  • Sensitive Info
  • Diagnostics
  • Other Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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