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Chime® – Mobile Banking

Financial freedom isn't a pipe dream. This app delivers the tools to make it reality.

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Key Figures

Downloads

25M+

User Rating

4.8/5

Total Ratings

1.4M

Publisher

Chime Financial, Inc.

An analytical overview for financially conscious users.

Key Features of Chime® – Mobile Banking

No Monthly Fees

The app provides a checking account without any monthly service charges, aligning with the target audience's desire to avoid punitive bank fees.

Early Payday Access

It allows users to get paid up to two days earlier with direct deposit, offering greater financial flexibility and reducing stress.

SpotMe® Overdraft Coverage

This tool covers users for up to $200 on debit card purchases and cash withdrawals without charging overdraft fees.

Credit Builder

The app helps users build their credit history through everyday purchases and on-time payments, promoting better financial health.

Automatic Savings Tools

It features automated tools and a high-yield savings account to help users easily save money and grow their funds.

Extensive Fee-Free ATM Network

Users can access over 47,000 fee-free ATMs at various locations, ensuring convenient and cost-effective cash access.

FAQ

Frequently Asked Questions

Everything you need to know about Chime® – Mobile Banking

What is Chime's MyPay early payday feature?

Chime's MyPay feature provides early access to your pay through direct deposit, allowing you to get up to $500 before your regular payday. It involves no interest, credit checks, or mandatory fees.

Does Chime's MyPay feature require a credit check?

No, Chime's MyPay early payday feature does not require a credit check. It also has no interest and no mandatory fees for early access to your pay, up to $500.

What is the Chime SpotMe feature?

Chime SpotMe provides fee-free overdraft coverage for debit and credit card transactions, as well as cash withdrawals. Users can get covered up to $200, with specific limits applying.

Does Chime charge overdraft fees for SpotMe?

No, Chime does not charge overdraft fees for its SpotMe feature. It provides fee-free overdraft coverage up to $200 for eligible debit and credit card transactions and cash withdrawals.

Does Chime Mobile Banking charge monthly fees?

No, Chime Mobile Banking does not charge any monthly fees. It offers better banking with fee-free services including in-network cash deposits, spending, and free in-network ATMs.

Are cash deposits fee-free with Chime?

Yes, cash deposits are fee-free at in-network locations like Walgreens and Duane Reade. Fees may apply if using other retailers. Chime ensures a checking account with convenient deposit options.

How does Chime help with credit management?

Chime helps build credit history through everyday purchases and regular on-time payments. This service has no interest, no fees, and requires no credit check to get started.

What is the APY for Chime's savings account?

The Chime Savings Account offers a variable Annual Percentage Yield (APY), which is currently displayed at 3.50%. This high-yield account includes automatic savings tools with no minimum balance required.

Does Chime offer 24/7 customer support?

Yes, Chime provides 24/7 live human support to help keep your money safe. It also offers Visa® Zero Liability protection and real-time alerts for enhanced security.

How many fee-free ATMs does Chime provide access to?

Chime provides access to over 47,000 fee-free ATMs. This network includes locations like Walgreens, 7-Eleven, Allpoint, and Visa Plus Alliance ATMs.

Does Chime's Pay Anyone feature charge transfer fees?

No, Chime's Pay Anyone feature allows users to send money to friends or family without transfer fees. Transfers can be as fast as a text, and recipients do not need a Chime account.

Is Chime a bank, and are Chime accounts FDIC insured?

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., both Members FDIC, meaning accounts are FDIC insured.

What type of cards does Chime offer and where are they accepted?

Chime offers a Visa® Debit Card and a secured Visa® Credit Card, issued by The Bancorp Bank, N.A. or Stride Bank, N.A. These cards are accepted everywhere Visa debit or credit cards are accepted.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Chime® – Mobile Banking - Users can review their SpotMe® overdraft limit with ease, viewing the total available and a detailed breakdown of how the limit is calculated. — Users can review their SpotMe® overdraft limit with ease, viewing the total available and a detailed breakdown of how the limit is calculated.
Overdraft Protection Visual

Chime® – Mobile Banking - This screenshot emphasizes the core benefits of the service, highlighting both the absence of monthly fees and the convenience of fee-free in-network ATMs. — This screenshot emphasizes the core benefits of the service, highlighting both the absence of monthly fees and the convenience of fee-free in-network ATMs.
Fee-Free Advantage

Chime® – Mobile Banking - The app provides clear insights into credit health, displaying a user's FICO® Score and key contributing factors like payment history. — The app provides clear insights into credit health, displaying a user's FICO® Score and key contributing factors like payment history.
Credit Building Tools

Chime® – Mobile Banking - This view demonstrates the intuitive savings features, including a prominent APY display and personalized savings goals like a "Weekend trip". — This view demonstrates the intuitive savings features, including a prominent APY display and personalized savings goals like a "Weekend trip".
Automated Savings Growth

Chime® – Mobile Banking - The app helps users discover local savings, presenting cash back deals on an interactive map and specific merchant offers. — The app helps users discover local savings, presenting cash back deals on an interactive map and specific merchant offers.
Everyday Cash Back

Chime® – Mobile Banking - Users maintain control over their financial security, with features allowing transaction toggles and visual confirmation of protection through a shield icon. — Users maintain control over their financial security, with features allowing transaction toggles and visual confirmation of protection through a shield icon.
Enhanced Security Controls

Chime® – Mobile Banking - The app offers convenient access to cash, providing an interactive map to locate fee-free ATMs and a list of nearby locations. — The app offers convenient access to cash, providing an interactive map to locate fee-free ATMs and a list of nearby locations.
ATM Locator Map

Chime® – Mobile Banking - This feature enables effortless peer-to-peer payments, displaying incoming transfer notifications and an intuitive interface for sending money with personalized messages. — This feature enables effortless peer-to-peer payments, displaying incoming transfer notifications and an intuitive interface for sending money with personalized messages.
Seamless Money Transfers

Description

Unlock financial progress™ with Chime—credit tools, access to early pay, and no monthly fees. 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. Account opening data based on a J.D. Power survey conducted between August and September 2025. EARLY PAYDAY Direct deposit with Chime to get early access to your pay, up to $500^. No interest~, no credit check, and no mandatory fees. SPOTME® Get covered up to $200* on debit and credit card transactions and cash withdrawals with no overdraft fees. BETTER BANKING A checking account with fee-free in-network cash deposits§§, spending, overdraft coverage, free in-network ATMs‡, and more. SMART CREDIT MANAGEMENT Protect, maintain, and grow your credit with everyday purchases and regular on-time payments‡‡. EASY SAVINGS Enjoy automatic savings tools and a high-yield savings account1. ANYTIME SECURITY AND SUPPORT Keep your money safe with 24/7 live support. ATMS Access 47k+ fee-free‡ ATMs at locations like Walgreens and more. PAY ANYONE WITH NO TRANSFER FEES Send money to friends or family as fast3 as a text. –––– The Chime Visa® Debit Card and the secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. ^Eligibility requirements apply, including receipt of qualifying direct deposits as set forth in the MyPay Agreement. Not all users will qualify. Credit limits range from $20-$500. ~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 at www.chime.com/policies. *Eligibility requirements and limits apply. Overdraft only applies to debit and credit card transactions and cash withdrawals. Limits range from $20-$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. ‡‡Late payment may negatively impact your credit score. Results may vary. §§Once the retailer accepts your cash, the funds will be transferred to your Chime account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade. **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. §The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY rate is effective as of [10/15/2025]. No minimum balance required. Must have $0.01 in savings to earn interest. The 3.50% Chime+ APY is available only while you maintain eligibility requirements for Chime+, otherwise the 1.00% APY for non-Chime+ members will apply. See Chime+ Terms and Conditions for details. ¹Chime Checking Account required to apply. 3Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. 4You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. +Ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo - June 2025. 2Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.