Chime – Mobile Banking

Chime – Mobile Banking Wiki

Written by Chime Financial, Inc.


Rated 4.78704 From 272,816 Votes
$ 0.00
  • Last Updated: 2021-06-14
  • New version: 5.80.0
  • File size: 120.78 MB
  • Compatibility: Requires iOS 12.0 or later. and Android 4.4. KitKat or later

Chime – Mobile Banking


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Chime – Mobile Banking is an iPhone and Android Finance App, made by Chime Financial, Inc.. Today, it has gone through many interations by the developers - Chime Financial, Inc., with the latest current version being 5.80.0 which was officially released on 2021-06-14. As a testament to the app's popularity or lack thereof, it has gathered a total of 272,816 Reviews on the Apple App Store alone, with an average user rating of 4.78704 out of a possible 5 stars.

How does it Work?


Chime is the banking app that has your back. Keep your money safe with security features, overdraft up to $200 fee-free*, and get paid up to 2 days early with direct deposit^, with no hidden fees‡. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC TRUSTED BY MILLIONS Stay in control of your money with two-factor authentication, TouchID, or FaceID. Enable instant transaction alerts and daily balance updates. Block your card in a single tap if it goes missing, or if you notice charges that aren’t yours. OVERDRAFT UP TO $200* We get it– when your balance is running low, the last thing you need is a $32 overdraft fee. Eligible members on Chime can overdraft up to $200* on debit card purchases with no fees. SAY GOODBYE TO HIDDEN FEES‡ Your account shouldn’t cost you money. Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access over 38,000 fee-free, in-network ATMs with Moneypass® and Visa® Plus Alliance. GET PAID UP TO 2 DAYS EARLY Tired of waiting on payday for your money? Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks. MEET CREDIT BUILDER, A NEW WAY TO BUILD CREDIT Whether it’s for gas or groceries, use Credit Builder¹ to help increase your credit score by an average of 30 points² with regular on-time payments. No interest, no annual fees, no credit check to apply. REACH YOUR MONEY GOALS Save money without even thinking about it. Automatic Savings features help you save money any time you spend or get paid. PAY FRIENDS WITH NO TRANSFER FEES Send money to friends, family, or roommates as fast as a text – with no transfer fees. ––––– Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. Debit card and Credit card may be used everywhere Visa credit cards are accepted. *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 $200 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.See terms and conditions. ‡Out-of-network ATM withdrawal fees apply. Other fees such as third-party and cash deposit fees may apply. ^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. ¹To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within 365 days of your Credit Builder application. See chime.com/applycb for detail on qualifying direct deposit. ²Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

Top Reviews

  • Life saver


    By Kat-75
    I don’t write reviews but I want to thank Chime for no only being an amazing app & bank account but most importantly being there at a crucial time in my life. Long story short, I lost everything & literally had to rebuild my life life I just out of high school. My credit went bad, I got scammed which destroyed my bank account & had nothing left but a few boxes of clothes & knickknacks. When I finally got my bearings back, started a new job, opening up a back account was not possible at the time & I had a job where they only did direct deposit. I was screwed or so I thought. A friend told about Chime & after checking it out & signing up I instantly had a back account & a few days later my card. If it wasn’t for chime being around I don’t know what my story would look like now. I have deposited checks through both the camera features & at designated banks. They recently just added a credit builder credit card to help rebuild my credit. I’ve been with them for over a year now & love everything about them. The app is extremely user friendly & the one time I had to call customer service they were kind & helpful. So without a doubt I recommend Chime for any banking needs & Thank You Chime for being there when I thought all was lost.
  • amazing if you live paycheck to paycheck


    By Hellojennyfair
    i switched to chime because simple bank became bbva. getting my paycheck a couple days early and not being able to overdraft were what drew me. the credit builder account was a surprise to me and i love it. i have poor credit and this is such an easy way to build credit. the BEST part of the app for me though is that when i get paid it direct deposits to my credit builder account and i have all my bills taken out of that. so when i get paid i look at what will need to be paid that paycheck and i put fun money in my spending account. it’s a lifesaver if you’re prone to dip into bill money. if you overdraft on your spending account, spot me will cover it up to $20 off the bat (tried and true, my friends), and it WILL NOT pull from credit builder or savings. because i live paycheck to paycheck i don’t really have a savings account, but i do use their round-up feature. you’ll be surprised how quickly you save with it. it’s really helping me get my financial situation together. it can be really hard to find a bank or budgeting app that works well for people who live paycheck to paycheck (makes me feel so dumb that i can’t budget for a whole month), but CHIME IS IT FOR ME. Seriously, give them a chance. Customer service is great, too.
  • Great so far!


    By Teh_Black_One
    Edit: still so great! I was nervous about there being no branches and only online but it turned out very smooth. I have both savings options activated and I love it! It takes a bit for the round up though maybe between an hour of the posted transaction to at least 1 business day. But that’s not too annoying. I DID ask for the emailed direct deposit form and it has the old routing number. It was an easy fix and my 2 most recent deposits have come through perfectly fine. I’m a huge lover of Apple Pay so I’m glad it works with that. The mobile check deposit feature works great as well. I received an email the next business day saying my check was received and it’ll be available the next business day. (Good thing I did all of this on a Monday.) You don’t really feel lost or anything using the app it’s very simple. I have only had the service for a couple weeks but so far I am a top fan. I took a star away because the routing number issue delayed my first deposit by one day. Also if you use the chat line for service a different rep replies each time. That also makes me worry a bit of a huge issue occurs that you’d usually go into a branch for. But again so far, it works gloriously!
  • I used to love Chime


    By b.groves99
    I’ve been with Chime for years now. It was the second bank I’ve ever used. It was awesome in the beginning, I enjoyed the perks like no atm fees and the well designed app. But lately it has gone downhill fast. Starting when they disabled spot me without any notice and at this time I’ve lost my job due to COVID-19. So lately to make ends meet I’ve been making my money through Doordash and instacart and if you do either you know it can be very little amounts you make during certain times of the week. So I had my money transferred into my Chime account, witch was in the negative as it has been a lot lately for me. Well the amount I made witch was only $43 wasn’t even enough to cover my negative balance, witch wasn’t an issue because I had spot me. Well since I never got a notification that they had disabled spot me that $43 I had for the next day or two was gone and I went without the things I needed. I contacted Chime and explained my situation for them to only tell me that there was nothing they could do. After about 30 minutes of arguing, I finally gave up because I was getting no where. So I felt useless to my family and they were perfect okay with that. Now we’re here today, where I need to get the things I need and I cannot access my money yet once again. I’m just going to cut my loss and go back to the bank I first started with. It’s just a shame that they treat they’re loyal customers like this.
  • CHIME > other banks


    By ishh16
    Have you ever been charged an overdraft fee ? Just because you went over a dollar and you didn’t realize and now your bank is like, “ohh you don’t have a dollar now we’re gonna charge you 35$(or more).” Like who ever thought of that bright idea lol. Here’s where our buddy’s at chime come in hand, chime let’s you set up a “spot me” option for any of us that tend to go over with out looking or if we’re out here struggling needing some extra dollars before our next pay day. The spot me feature starts with 20$ and it can go up to 100$ based on the your personal account I’ve had mine before at 100$ slowly but surely got back on track financially and is now down to 20$ chime was there for me and has done for me what no other bank has done before. They also just started their credit card account which means you can fix your credit with them, also you can open up a savings account directly through the app. I can continue spoiling chime for you, but that wouldn’t be fun for you so I’ll let you download it and explore it for yourself. Click that download button and get started today ohh did I mention they pay you 2 days early ? Come join the chime family you won’t regret it.
  • Waste of Time


    By Cheykim
    So I opened my chime account in 2019, I loved it at first because of the no overdraft fees and the early pay, but this bank is so annoying to deal with. Not only is their customer service horrible but just trying to get in contact with someone is as well. You spend about 10 minutes on the call menu alone just trying to get through the different options to find the right place. My wallet had gotten stolen so i canceled my credit card and debit card, I then requested a new one, took almost a month to get there. Tried to activate it and was told that the card information was wrong. Okay? Not sure how it would be wrong since it's literally right there on the card. So i contacted a rep through the app, they said they would send another one. Got the new card, tried to activate it AND IT STILL WOULD NOT WORK. Okay, maybe it's just a system error. Got a new card AGAIN a few days later after they expedited it. Tried it activating it again and it still would not work. I decided to close my account after that. It was just too much hassle to try and do it over the phone and not be able to just walk into an actual branch to get my issue resolved. Oh and when I went to close my account, the representative didn't even ask why I was closing my account. You would think that such a highly reviewed "bank" would atleast want to know why a dedicated customer is closing their account.
  • Great bank but I’d like to see some improvements in the future.


    By Kryptic Arrow
    *This bank has been really good so far. No fees like it says and I got my card very quickly. Just two issues I have with it so far. One is that they go through Green Dot for cash deposits. Green Dot charges 4.95 and requires a minimum of 20 to deposit. I hope that they eventually make a kiosk or something that eliminates these fees. Also it doesn’t update your account balance right away. For those of us with bad memory it makes it a little more difficult to budget. I recommend using a notepad app to keep track of your funds until the app updates your account info. It seems to update approximately 3 hours after the transaction. It would be nice to have it be immediate. If they fix these two issues I’d say it would be a five star service. Another small gripe is that you can only get the no fee overdraft with direct deposit. Though if you budget correctly it’s not an issue. Just a small quality of life thing. Otherwise I’d say this bank does everything better than most other banks. *My previous rating was three stars but I realized that one of the issues wasn’t the banks fault but rather the third party company Green Dot’s. I don’t like having to pay such large fees just to deposit cash but it’s Green Dot policy.
  • Happy customer!


    By cmb101009
    Very happy customer! Even though there is no stand-alone bank, I have had an excellent experience with Chime. 1) I like getting paid early 2) No overdraft fees, love the Spotme feature 3) Ease of use 4) I love that I view my card in the app, it sounds lazy, but I’m tired of pulling out my card every time I want to buy something online (lol). 5) I love that my mom and I both got $50 when she referred me to sign up for an account. What an awesome referral program for everyone. 6) You can turn your debit card transactions on/off with the click of an app. (I forget to turn it back on sometimes! I’ve embarrassed myself at a store a time or two.) Also, there are many ATM locations near me that are free of charge. I like that I can “round-up” to save if I’d like, or set 10% of my direct deposit aside. Chime has been compatible with PayPal and Apple Pay to send money to people. With that being said, I use cash at most restaurants / gas stations / stores, I don’t like my card number being out there. I had debit card fraud with my old bank account. I have not had that incident happen with chime and I hope that it never does. Not revenant to the app or bank- but cashiers at the store always say the card is a cute color lol.
  • Literally the BEST bank I’ve EVER HAD.


    By Nancy J. Anderson
    Before I got Chime, I was with BMO Harris Bank for about 2-3 years. It seemed like I was having a new issue every single week; the final straw for me was finding out my account was empty AND overdrawn, just over $50, for a “non-BMO ATM FEE”, literally with the ADDRESS of the BMO branch that was 2 blocks from the salon I worked at in downtown Chicago. Not to mention that they waited like TWO MONTHS LATER to try & charge me that fee...so I had to comb through all of my bank statements, and even after showing them the mistake was THEIRS, and THREE trips to the branch, it took another MONTH for them to fix it. Chime has literally changed MY LIFE. NO fees, thousands upon thousands of fee-free atm machines, excellent customer service...I can go on & on about how much I love this bank. Best of all is when I got their Credit Builder card, back in January....I’ve been working on my credit for about 2 years now, and as soon as I got the Chime Credit Builder Card, my score jumped up to 106 points on TransUnion and another 48 points on Equifax!!! It gave my credit score an overall boost of over 150 POINTS!!! If you are tired of being scammed by these banks AND want to build your credit up, *CHIME* is THE ONE for you!!! Good Luck! ♥️
  • Customer Service


    By dollfaccmd
    The app is great. It’s banking with Chime that sometimes really annoys me. They have really great features with the overdraft protection and it being completely free no fees. But i honestly dread calling chime to get any issues resolved. The people in SF who answers the phone are always pleasant and knowledgeable! When i get someone overseas i always find myself repeating myself. I have had to escalate and speak with managers but people are refusing to connect me with their supervisor. I always end up having to hang up and call back to just get some help. The claims department haven’t really been helpful at all. I keep getting charged for stuff and no one is able to provide me with an explanation and i am trying to block certain transactions that i never authorized and no one is ever willing to understand what i am trying to say or help. The customer service is HORRIBLE! I don’t get why i have to repeat myself being transferred from person to person then they ask me how i can help first then ask me to verify myself. I wish they just verify people first then all focus can be on helping me. By the time I’m done verifying they always make me repeat myself and then I’m irate. Please work on customer service and verify people FIRST and make sure people overseas work on requests and how to respond to people. They come off extremely rude ! I want to file a complaint for how i have been treated.

External Links

Chime Financial, Inc. Official Website

Download for Free on On iTunes
Download for Android

Disclaimers:
This page was last edited on 2021-06-14.
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