Chime – Mobile Banking
4.7star
715K reviews
10M+
Downloads
Everyone
info
About this app
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.
–––––
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.
*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.
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.
–––––
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.
*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.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
Ratings and reviews
4.7
707K reviews
Stacy Bagnasco
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November 25, 2024
I absolutely love Chime. I initially signed up because I was put into Chex and couldn't get a real bank account. Now I'm able to,but I've decided to stick with Chime. Between their fee free overdraft (Spot Me) and the ability to get loaned money until I get paid (My Pay) is incredibly useful. Their credit builder card has increased my credit so much. It's not like other ones you have to put a deposit down with. You just move money into and spend like a debit card. Chime is absolutely phenomenal.
3 people found this review helpful
TanChanta Hopkins
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November 24, 2024
Starting to experience technical issues I wasn't experiencing in the beginning. With my pay and my linked payroll provider. I am really considering switching banks again! I contact support they claim the issue is fixed then the next day it's doing the same thing. My payroll provider is linked you can see it linked. Then the app keeps saying reconnect payroll provider when it is already indeed connected and linked. My work address is listed as my work email!!!!
9 people found this review helpful
Chime
November 24, 2024
Hi Tanchanta! We appreciate the review and we're sorry to hear about this. While this issue can sometimes happen, there’s another option. Instead of reconnecting, you can share your work location or work email address. This will provide you with the same benefits, like potentially seeing a limit increase, without the need to reconnect every time.
Marcus
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November 25, 2024
The best app bank out here. I have had nothing but a great experience since moving to it from PayPal all the perks and benefits of banking with chime is unmatched from credit builder to just debt/savings accounts, the spot me, money back from qualifying bills paid with the chime credit builder or debt account, no overdraft fees, access a portion of your paycheck days before payday, not to mention getting paid 2 days early it's amazing and best part it's so easy to use best decision I've made.
2 people found this review helpful
What's new
Sometimes I ask myself: “Why am I a Chime member?”, and a bunch of reasons cross my mind. No hidden fees. The community aspect (Boost for Boost, anyone?). And of course, these weekly bug fixes and performance updates. Oh, can’t forget about automatic savings! wish I could auto-save some snacks for later instead of eating them all at once. Then I could really start talking about stacking my chips. Until that feature is out, I’ll just be stacking, you know…my chips. (The non-crunchy kind).
