Chime - Mobile Banking

Chime - Mobile Banking

  • Category: Finance
  • Release Date:
  • Current Version: 5.71.0
  • Adult Rating: 4+
  • Developer: Chime Financial, Inc.
  • Compatibility: Android
  • Links: Google Play Store
250,412 Ratings
$ 0

Chime - Mobile Banking App

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 ––––– ***Learn how we collect and use your information by visiting our Privacy Policy at*** 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: ^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.

Chime - Mobile Banking app screenshots

Chime - Mobile Banking app reviews

  • Amazing 5/5

    By deventhedude89
    Best mobile bank hands down
  • Best Banking 5/5

    By QueenBeeSaki
    Love Chime!
  • Really easy to use! 5/5

    By S.H!!!!
    I like chime a lot better than my regular bank account no over draft fees, out to $100 in spot me which come in handy if you live paycheck to paycheck and are short $ the last few days before payday. You can send $ to friends instantly, and transfer $ from spend into saving and vise verses instantly too. The only thing I don’t like is that it takes what seems like forever to transfer money to another bank account but that’s more an issue between the 2 banks not really chimes fault.
  • Amazing 5/5

    By d.luc
  • I love it 5/5

    By justin602
    Great bank just wish y’all would buy business
  • Just for me 5/5

    By Thunder god ReapaXO
    Thanks for everything
  • Amazing app 5/5

    By Jaden Isaac
  • Great banking! 5/5

    By if you wanna get paid early!
    Seriously I get paid like a week early sometimes it’s incredible.
  • Love it!!!! 5/5

    By bella dacardia
    I have been with Chime for about two years now and love it!! The bonus is I can overdraft!! It comes in handy!!
  • Amazing 5/5

    By dondondon20042005
    Amazing great stuff
  • The best 5/5

    By N1c0l3J3an
    Been using chime for 4 years and love it!
  • Clueless Bank 1/5

    By Rayban77Status
    Honestly, there are some good things with this bank. The overdraft system, and the early pay system. They are good at what little they can do. What attracted me to this bank was the no international fees, before flying out I had confirmed that the country I would be traveling to was compatible with this bank, 2 separate employees had confirmed it was. Low and behold, it was not. Not only could I not access my bank account via the app or online in this country, the card did not work at all. Many hours of phone calls, many emails, many arguments later, nobody could explain to me what the problem was. Customer service was right above what I would expect from a rock, with slightly better understanding of the English language. The argument I received every single time was “it should work and this country is on our list of approved countries” I should have figured bad news when on the flight over, the card did not work either. You may think that the simple fix is to stay in the US right? If only my problems ended there. Upon my return to the states, I tried to deposit a check into my bank account via their app, about a week later the check was denied, naturally I call to ask why as I think most of us would. “Well we don’t actually know why” was the answer I got, and the topper - “you can’t try again because the system will automatically deny this check”. It was a valid check as proven later at a different institution. This is not a McDonald’s who made my burger incorrectly, this is a financial institution in whom money is being trusted, and outside of the most basic use you can think of.. I would not trust these guys with a penny I find on the street. Went back to BofA and couldn’t be happier. Bank wise and spend smart, you won’t need this crap operation masquerading as a bank.
  • Chime Green Card 1/5

    By Olyver24
    Don’t Get It!!! When there’s a problem you can never call and speak to someone nor the original card as well!!! DON’T USE
  • Love chime 5/5

    By ZephyrFusion
    Takes the hassle out of mobile banking!
  • Best bank. period. 5/5

    By Nathan Trinidad
    Chime has helped me save money and build my credit!! Nothing but good things!!! Thank you chime!
  • 5 stars 5/5

    By Emily Trump
    Love it!!!!!
  • Great app 5/5

    By AlmightyBleeg57
    Love it 5 stars across the board
  • Hey 5/5

    By seanpdiddycimbs
    I love it
  • Chime is amazing 5/5

    By aceghoul
    Love chime very much, no other bank can compete
  • 🌟🌟🌟🌟 5/5

    By 0607!
  • Chime 5/5

    By Queen Varner
    Chime is awesome
  • Awesome!!!!! 5/5

    By cklinewv2
    Love the fact I get paid two days early. Been using this service for a while now and I have been telling everyone about it
  • Kevin East Tx 5/5

    By jaramiello
    Simple way to save , and no glitches!! Credit system works
  • Chime is great! 5/5

    By Geoizda1
    Easy to use app, with occasional issues but mostly consistent!
  • Awesome account 4/5

    By sonny90210
    Would get 5 stars if I didn’t have to pay so much when I need cash cause they don’t have approved atms in my area
  • Wouldn’t work 1/5

    By Solaris-04B
    Confirmed SSN and all necessary steps only to get locked out and unable to create an account. Now I’m unable to even use my main email for a new chime account. Sticking to cashapp
  • Love chime but with Joint accounts it would be great!!! 5/5

    By Blessed from Heaven
    I love Chime but I wish you would have joint accounts so me and my husband can have one together. Other then that I love it.
  • Love it! .... Except.... 4/5

    By SAJKY79
    I really enjoy using my Chime Card, but the ATM fees are killing me! There are very few ATMs in my area and the ATMs that show in the ATM locator aren’t available anymore.
  • Awesome 5/5

    By Mrkim86
    I have nothing but great things to say about Chime.
  • Chime 😍 5/5

    By K-Dot221
    Chime is the best mobile banking app in the world. There are no faults in their system.
  • Banking for 3 years 4/5

    By nerdylatinqueen
    I been banking with Chime for 3 years and I cannot complain to much, but I have suggestions: I wish there was an easier way to withdraw larger amounts of money. More thank 1500, every 48 hours. Also I wish I can put a note in the check I send to recipients. I also wish there was a way to hide the amount of my savings displayed in the front page.
  • The BEST BANK!! 5/5

    Choose Chime
  • Great bank 5/5

    By plz6089
    Chime is a great bank to have. Never had any issues. The credit builder card has helped my credit score go up and love the spot me feature.
  • Disappointed 1/5

    By MsEwing
    Not what I expected! Deposited money in the Chime account and now I decided not to keep it and want my money back and was told because it’s past the 1 day I can’t get it! Never will I ever do this again.
  • Rate 5/5

    By Gasmer Drive 5500
    Chime is one of the best banks no
  • highest levels of customer service 5/5

    By Jv ventura
    highest levels of customer service
  • Endless ads 2/5

    By tubedogg
    The service itself seems fine so far, although in my case there is no noticeable improvement in the speed of my direct deposits versus my actual bank account. What is utterly lacking is any sense of restraint in communications. In the first few days I had my account, I received probably a dozen emails from Chime, almost all of which boiled down to “hey buddy, setup direct deposit”. I pretty quickly unsubscribed from emails and they mostly stopped, although I keep getting ads to open a credit card. Today, what prompted me to actually write this review was receiving simultaneously a push notification from the app and an email, both “reminding” me about their credit card. I don’t want or need a secured credit card. I unsubscribed from marketing emails and therefore shouldn’t be receiving ads from you. Yet here we are. As far as I can tell there’s no way to disable marketing notifications in the app, so I can either get my transaction notifications plus those, or nothing. Garbage. Not surprising for fintech, though. The whole model seems predicated on obsessive communication. NorthOne, SoFi, and others are the exact same way.
  • great bank 5/5

    By turtlofdesea
    no hidden fees !!!
  • Best bank ever 5/5

    By Katanatoclassycarroll
    I have been banking with them for over 3 years. They have never failed me. They offer to cover you up to 100 in the negative with no charge. And sometimes if you use the wrong arm they will reimburse you . They have rapid pay as well getting paid a few days earlier. I have nothing but praise to say. I will forever be a life long customer thank you chime ✊
  • This my fave bank 5/5

    By Ms Daynasbeads
    Awesome no fees I love it
  • Great banking app 5/5

    By iRussian1s
    This banking app is super intuitive and simple to use! It’s great for being paid early. Although I do with they had an option to be able to use a check to pay with if a business won’t accept ACH transfers. Also every once and awhile they end up doing maintenance because the app or server goes down and it really messes with things and gets scary when you can’t view or use your money. Other than that great app.
  • I love chime❤️ 5/5

    By songbryd
    I love chime,❤️
  • Best online banking 5/5

    By marqjack
    Love chime best online banking!!!
  • Chime!! 4/5

    By QueenJas1217
    Chime is great sometimes of course their have their hiccups but great service.. now that Credit builder is about to be available for ATMS I’m happy now.. certain place and apps they won’t allow Chime so that the reason for a deduction star
  • Chime is great 🔥‼️ 5/5

    By Kiddkash95
  • Love it 5/5

    By bvcgyf
    I love this bank and the card I thing the only things I will change is the color on the card to like black
  • Easy, awesome, 1 down side 5/5

    By bmwtexas
    Love the app! Super easy banking! Really helps me save with the round up option and how easy it is to switch money between spending and savings account. 1 down side..... MORE ATMS PLEASE!
  • Best 5/5

    By weezydagreat
  • Love It 5/5

    By BaggKhaser
    The Best Ever !!!