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The #1 most loved banking app™

No monthly fees. 60k+ ATMs. Build credit. Get fee-free overdraft up to $200. Chime is a tech co, not a bank. Banking services provided by bank partners.

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Last synced on Apr 23, 2024
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Supported accounts:

Personal
Based in
United States
Available in
United States
Neolista Rating
App Store Rating
Play Store Rating
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Chime
TrustScore 2.5 |  9,120 reviews

Description

Chime is an innovative fintech company that operates as a mobile banking platform. It provides customers with a user-friendly mobile app combined with no-fee checking and savings accounts, automatic savings features, and early direct deposit services. With Chime, users can receive their paycheck up to two days early when they set up direct deposit, which can be a significant advantage for budgeting and financial planning. Chime also offers a Visa debit card, which can be used with no foreign transaction fees and a network of fee-free ATMs.

One of the key benefits of Chime is its commitment to no hidden fees. It does not charge monthly maintenance fees, minimum balance fees, or overdraft fees. In fact, Chime provides an Overdraft-free feature called SpotMe, which allows eligible members to overdraw their account without penalty within set limits. Furthermore, Chime uses real-time alerts to keep customers informed about their transactions and account balances, adding an extra layer of financial security and awareness.

Another feature that distinguishes Chime from traditional banks is its Automatic Savings program. When a transaction is made with the Chime Visa debit card, transactions can be rounded up to the nearest dollar, and the roundup can be automatically transferred to the savings account. Additionally, customers have the option to automatically transfer a percentage of every paycheck directly into their savings.

Chime focuses heavily on community and customer service, despite being a branchless bank, providing assistance through their in-app support, website, and phone lines. Its user-centric design, paired with competitive features, makes Chime a popular choice among those seeking a modern banking solution that fits a digital and on-the-go lifestyle.

Go to Chime

Manage your money on the go.

Download the Chime app in the App Store or Google Play store.

Chime has an App Store rating of 4.8 out of 5 (based on 771,235 reviews).

Chime has a Google Play Store rating of 4.6 out of 5 (based on 614,340 reviews).

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FAQs about Chime?

Still have a few things you'd like to clear up? We've put together the following simple answers to questions frequently thought, but rarely asked.

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