Chime offers mobile and online banking through its banking partners with no hidden fees‡. Do more with your money with fee-free overdraft*, 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% APY‣ ). Save, spend, and manage your finances with the highly rated Chime mobile banking app.
Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC.
Here’s why millions are banking with Chime…
With SpotMe, eligible members can overdraft up to $100* on debit card purchases with no fees. It’s overdraft protection, but better.
GET PAID 2 DAYS EARLY
Get your paycheck up to two days earlier^ than you would with 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 and receive money from friends, family, or roommates with no transfer fees. Different from other peer to peer payments apps, money is deposited into your Chime Spending Account.
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.
‡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. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. 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.
Not that we're saying our app crashes very often at all, but we reduced its chances of crashing even further. Now we're gonna go crash on the couch.
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
Pretty good, takes too long to transfer money though
I really do like this app. I am one that hates banks and how they allow accounts to go over then charge people overdraft fees. It’s literally taking money from people who have none and that should be a crime. Chime doesn’t do that and they actually do prioritize their customers. I think this is a revolutionary app for banking. I hope it picks up traction and changes how banking is done completely.
The direct deposit is fantastic. You do get your money early thanks to Chime and it definitely helps. They also have the “round up & save” feature for people who struggle to save money.
My only problem with it is that it takes far too long to transfer money. Like a week to transfer. And they have a very small daily limit for transferring (like $200). It can become frustrating when I’m trying to budget my money by separating bill money from spendable money. They keep saying it’s just the banking system, and I know they must have to make some sacrifices in order to be able to provide such great services without all the fees banks drop on us. I just wish there were options to pay a fee for an instant transfer to your bank like Venmo or Ca$h App. I’m sure with increased popularity eventually somewhere along the line of updates will be an option for instant transfers. It just doesn’t exist now.
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!!
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The following data may be collected and linked to your identity:
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- Chime Financial, Inc.
- 113.3 MB
Requires iOS 11.0 or later. Compatible with iPhone, iPad, and iPod touch.
- Age Rating
- This app may use your location even when it isn't open, which can decrease battery life.
- © 2020 Chime
With Family Sharing set up, up to six family members can use this app.