Chime – Mobile Banking 4+
Save, Spend, Build Credit
Chime Financial, Inc.
-
- Free
iPhone Screenshots
Description
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.
+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.
*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.
What’s New
Version 5.243.0
Breathe in. Visualize this upcoming holiday season. Breathe out. For once, imagine it goes just like you hoped. Breathe in. Not too stressful, not too many unexpected expenses, no big worries. Breathe out. A holiday season where things go your way. Breathe in. You update your Chime app, there are new bug fixes and performance updates. Breathe out. Everyone you love is healthy and safe. Breathe in. Manifest it. Claim it. And breathe out.
Ratings and Reviews
#WhyIChime
I’ve been with Chime for years now and I can honestly say that this is truly the easiest and most reliable banking app that I’ve come across . I love the fact that Chime uses spot me so anytime I’m ever in a tight spot, I can get a little extra cash to help out and how can you not love getting paid two days early I mean seriously the fact that I get paid on Fridays, but I receive my paycheck on a Tuesday is so helpful and I’ve used this app since before the pandemic and through the pandemic and I haven’t had an issue with getting any type of direct deposit or any Cash withdrawal or honestly anything for that matter when it comes to any of my finances on Chime and every time that there’s ever been an issue, which has been very very few, the support team has instantaneously taken care of and made sure that I either received my money back or the situation was taken care of without sweat off my back. Chime has always been a huge support when it comes to taking care of me as a customer and as a user of their application, so the reason I chime is because it truly does make my every day life and life in general just that much easier to be able to have all of my finances right there at my fingertips and be able to use them safely without having to worry about my account’s stability or security.
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.
Great for what it is
Perfectly reasonable and useful app and service. I've used this service for 2 years and rarely see bugs or glitches in the app. Typically my paycheck is deposited on the same day that it is processed by my payroll (2 days before traditional banks). There is no option for joint accounts at this time, but it's very easy to move money to or from another Chime user. The credit builder service is excellent, particularly when used in "safe" mode. The app allows you to set out a portion of each deposit for Credit Builder and Savings automatically, which makes setting up auto-pay super easy for recurring bills. Spot me is a nice plus for the occasional overdraft, and the MyPay loan option is useful for tight weeks as long as you budget appropriately around paying it back. Mobile check deposit is easy to use and typically processes quickly (often same-day) unlike other banking apps I have used.
I deducted one star due to the fact that a not-insignificant amount of other money/budgeting services do not work well with Stride bank, but that is not a reflection of the app.
Overall, I would recommend this app to people who either do not have any mingled finances but do frequently send money to friends/family and to those who have mingled-but-not-merged finances as it allows easy transfer between users (and non-users) while maintaining an individual account.
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
Information
- Seller
- Chime Financial, Inc.
- Size
- 189.3 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 14.0 or later.
- iPod touch
- Requires iOS 14.0 or later.
- Languages
-
English
- Age Rating
- 4+ Infrequent/Mild Contests
- Location
- This app may use your location even when it isn’t open, which can decrease battery life.
- Copyright
- © 2024 Chime
- Price
- Free
Supports
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Wallet
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