iPhone Screenshots

Description

Chime offers mobile and online banking through its banking partners with no hidden fees‡. Overdraft up to $100* with no fees, get paid up to 2 days early with direct deposit^, and grow your savings instantly with purchase round ups and an optional High Yield Savings Account (get up to 0.50% Annual Percentage Yield‣ ). Save, spend, and manage your finances with the highly rated Chime mobile banking app.

Chime is a financial technology company. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

Here’s why millions are banking through Chime…

FEE-FREE OVERDRAFT
With SpotMe, eligible members can overdraft up to $100* on debit card purchases with no fees. It’s like overdraft protection, but better.

GET PAID 2 DAYS EARLY
Get your paycheck up to two days earlier^ than you would with some traditional banks with direct deposit. Deposit paychecks, unemployment benefits, government stimulus payouts, and tax returns into your Chime account.

NO HIDDEN FEES‡
A bank account shouldn’t cost you money. Chime has no overdraft fees, no monthly maintenance fees, no minimum balance fees, no foreign transaction fees, and no minimum deposit required. Plus, over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance

SAFE & SECURE
Your security is our top priority. Chime sends you instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications, so you always know what’s happening with your money. Instantly block your card if it goes missing or you suspect unauthorized use.

SAVE WHEN YOU SPEND
Save When You Spend automatically rounds up transactions to the nearest dollar and transfers the Round Up from your Spending Account into your optional Savings Account.

PAY FRIENDS WITH NO TRANSFER FEES
Send money to friends, family, or roommates with no transfer fees. Different from other peer to peer payments apps, money is deposited into their Chime Spending Account.

For more information please visit www.chime.com.

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***Learn how we collect and use your information by visiting our Privacy Policy at https://www.chime.com/privacy***

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.

‡Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
*SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 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. For more information, visit: https://www.chime.com/policies/bancorp/spotme_terms.
^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.
‣The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of December 9, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

What’s New

Version 5.70.0

We have some egg-cellent updates this week, so let’s hop to it! Along with a few minor performance improvements and bug fixes, this version will also include:
- Cool new animations to our input fields. Have your own egg hunt figuring out which ones!
- An update to the standard error dialog color, making it friendlier (no, it’s not pastel).
- New “unavailable error” dialog in View Temporary Card screen. Sorry, ran out of holiday easter-eggs for this one. Oh wait.

Ratings and Reviews

4.8 out of 5
250K Ratings

250K Ratings

HarmonyLynnSeidl1998 ,

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!!

Teh_Black_One ,

Great so far!

Edit: still so great!

I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using the app it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!

Cheykim ,

Waste of Time

So I opened my chime account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through the app, they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their 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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

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

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

Supports

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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