Chime – Mobile Banking App SupportChime Financial, Inc.

Chime – Mobile Banking App Support

4.81317 star

Total 688,587 Ratings

What is Chime – Mobile Banking? Description of Chime – Mobile Banking

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 early with direct deposit^, with no monthly fees.

Chime is a financial technology company, not a bank. 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. May be used everywhere Visa cards are accepted.

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.

We get it– 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 debit card purchases and ATM withdrawals fee-free.

Your account shouldn’t cost you money. Chime has no monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, access 60k+ fee-free‡ ATMs at locations like Walgreens, 7-Eleven, CVS, and more.

Get your paycheck up to two days early^ with direct deposit, earlier than you would with some traditional banks.

Whether it’s for gas or groceries, use Credit Builder¹ 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.

Send money to friends, family, or roommates as fast as a text – with no transfer fees.

*Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals 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. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions. Only SpotMe eligible members may send boosts.

‡Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

^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.

¹Chime Checking Account and $200 qualifying direct deposit required to apply for the secured Chime Credit Builder Visa® Credit Card. See to learn more.

²Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

³Based on Bankrate’s 2022 Checking Account and ATM Fee Survey:

Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®.

  1. Chime – Mobile Banking App User Reviews
  2. Chime – Mobile Banking Pros
  3. Chime – Mobile Banking Cons
  4. Is Chime – Mobile Banking legit?
  5. Should I download Chime – Mobile Banking?
  6. Chime – Mobile Banking Screenshots
  7. Product details of Chime – Mobile Banking

Chime – Mobile Banking App User Reviews

What do you think about Chime – Mobile Banking app? Ask the community a question about Chime – Mobile Banking!

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Chime – Mobile Banking Pros

Incredible!I started using Chime when I started at my new job. I was a bit nervous to utilize a new banking system after being with Wells Fargo since the 90s. Not only did Chime make it extremely easy to set up, but the app assured me that I did not have to leave Wells Fargo right away. Eventually, because Chime has been THAT amazing, I plan on completely migrating over to Chime. But I want to spotlight on the app’s direct deposit function, because that’s where this app truly has shined, in my opinion. I split my check that I received, and not only has Chime allowed me to still deposit 10% of my split to Savings but I’m still allowed all the features it has presented, such as Round Up. I am amazed how many lack of limitations that this company has when you’re a member of their banking system. I’m not charged for a savings account, nor do I need to have a certain amount to allow interest. Oh! By the way, when they say interest, they absolutely mean it! The interest you receive on your savings is mind boggling. I wouldn’t say it has the best high yield account I’ve used, but it is great for just a “standard” savings account without the stress of making sure you meet a minimum. Great job, Chime!.Head KnightVersion: 5.117.0

What’s the catch?There isn’t one. When I first heard of chime I thought it was too good to be true, no overdraft fees, building your credit without having to remember there’s a bill at the end of the month (you have to turn safe credit building on). I’ve lived on my own since I was 16 and when I tried renting apartments at 18, I discovered my lack of credit history was a big issue. Within a few months I got my first credit score, the card they issue essentially works like a debit card. It’s a credit builder card therefore, I have a perfect payment history, a score of first 678, then 680, and 704 as of right now. They also have other resources for a select few insurance companies, investment apps, cash back savings apps etc. There is no overdraft fee, though it is possible to overdraft but not over the spot me limit you’re allowed. If you’re not one that likes over drafting anyway, I’d turn “spot me” off. That way whatever purchase that’s over your available spending balance will be declined. And the best part about online banking is that you can disable your cards anytime you want to avoid unauthorized transactions. Also there is a $100 bonus for you and each person you refer that signs up and gets $200+ direct deposited within the first 45 days of creating the account I believe..Jessie🤙🏻🤙🏻🤙🏻Version: 5.102.0

✓   Chime – Mobile Banking Positive Reviews

Chime – Mobile Banking Cons

The worst banking app ever!I turned 18 recently and in an effort to become an adult I decided to go with Chime to help build my credit. The sign up process was incredibly easy and seemed legit, I ended up getting a card and getting access to my account. After a couple of days, I went to the app to transfer money and found that I was not able to log in because my account no longer existed. At first I thought I just dreamed signing up for the app, but that’s ridiculous because I had the card. I ended up calling support and the lady I talked to informed me that my account was suspended. I had no money in the account and I only had it for a couple of days, in order to lift the suspension I had to send my ID and proof of insurance which would be all fine and dandy if I hadn’t already put my ID in the app and felt like it was a little sketchy. She said that my account violated a term of their bank but I hadn’t violated any terms and I wasn’t even able to close the account because she wasn’t able to do that for whatever reason. Absolutely upset that now some company that had been recommended to be had screwed me over and took my information, thank god none of my money, but after looking it up I found a lot of people have had this problem. 100% do not recommend and if you do have it, look into Chime closing accounts for no reason and close your account. Put your money somewhere else..Sydney RazoVersion: 5.103.0

A hassle to useChime has some nice features but I don’t see myself using this account for very much because it’s such a hassle to log into, or get customer service from. For example, I called them because someone hacked my account and it took them nearly an hour just to correct my phone number on my account. During that time I was switched to talk with 5 different people (all with heavy accents and hard to understand) and then I had to send them a picture of my drivers license along with a selfie. Again, this was all just to change my phone number. In fact, every time you try to log into your account you not only have to use your password but you are forced to solve 3 to 5 different “puzzles”. If you answer any one of those puzzles wrong, well, then you are forced to start the entire process all over again from the start! Then after that circus they send you another authentication number to your phone which you have to send back to them. This means you’re forced to have your phone on you whenever you log in, even if you’re using an iPad or computer to log in. Keep in mind, you’ll be forced to do all of these wonderful things - even if you just want to check your account balance. Since it’s such a hassle to use this banks services, I don’t see myself using this account for very much..My Tech GuyVersion: 5.162.0

✗   Chime – Mobile Banking Negative Reviews

Is Chime – Mobile Banking legit?

Yes. Chime – Mobile Banking is 100% legit to us. This conclusion was arrived at by running over 688,587 Chime – Mobile Banking user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for Chime – Mobile Banking is 88.3/100.

Is Chime – Mobile Banking safe?

Yes. Chime – Mobile Banking is quiet safe to use. This is based on our NLP analysis of over 688,587 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.8/5. AppSupports Safety Score for Chime – Mobile Banking is 92.3/100.

Should I download Chime – Mobile Banking?

There have been no security reports that makes Chime – Mobile Banking a dangerous app to use on your smartphone right now.

Chime – Mobile Banking Screenshots

  • chime – mobile banking iphone screenshot 1
  • chime – mobile banking iphone screenshot 2
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Product details of Chime – Mobile Banking

App Name:
Chime – Mobile Banking
App Version:
Chime Financial, Inc.
Legitimacy Score:
Safety Score:
Content Rating:
4+ Contains no objectionable material!
Finance, Lifestyle
App Size:
171.95 MB
Bundle Id:
Relase Date:
16 March 2014, Sunday
Last Update:
03 October 2023, Tuesday - 14:07
IOS 13.0 or later

Chime – Mobile Banking 5.190.0 Update Note
✱ Version History

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