Chime - Save, Spend, Build Credit

from United States of America (the) 

Neobank

App store Ranking : 4.8

Founded in 2012

Private |

No monthly fees. 60k+ ATMs. Build credit. Get fee-free overdraft up to $200.¹ Chime is a tech co, not a bank. Banking services provided by bank partners.

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Chime app screenshoot 1
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Note: This review below has been generated using AI (12/04/2025 12:37:44), based on the analysis of App Store reviews from the last 90 days. The insights provided are derived from aggregated user feedback and aim to give you an overview of the app's current performance and user sentiment. More info here 

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Summary

Recent reviews from the last 90 days: Overall sentiment towards Chime is mixed. While many users continue to praise the app's convenience, early direct deposit, and helpful features like SpotMe and MyPay, a significant number of recent reviews express frustration with customer service, particularly regarding disputes and account access issues. Technical problems with the app, including system outages and difficulties with transfers, are also a recurring concern.

Pros:

  • - Early direct deposit (up to 2 days)
  • - SpotMe feature (fee-free overdraft)
  • - MyPay (early access to paycheck)
  • - Credit builder card helps improve credit score
  • - Easy to use and convenient mobile app
  • - Savings account option
  • - Free ATM access at certain locations
  • - Helpful money management features

Cons:

  • - Poor customer service, especially with disputes and account issues
  • - Technical difficulties with the app, including system outages, and money transfer issues
  • - Inconsistent SpotMe limits and MyPay access
  • - Limited ATM network and fees for out-of-network ATMs
  • - Difficulty contacting live support agents
  • - Issues with check deposits and processing times
  • - Security concerns and reports of unauthorized transactions/account hacks
  • - Problems with the credit builder card not reflecting positively on credit reports
  • - Difficulty closing accounts
  • - Lack of budget tracking features within the app
  • - Inconsistent or misleading bonus offers

Chime - Save, Spend, Build Credit

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.


TRUSTED BY MILLIONS

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.


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 debit card purchases and ATM withdrawals fee-free.


NO MONTHLY FEES

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 PAID UP TO 2 DAYS EARLY

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


A NEW WAY TO BUILD CREDIT

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.


PAY ANYONE WITH NO TRANSFER FEES

Send money to friends and family fast as a text – with no transfer fees.

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*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 chime.com 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: https://www.bankrate.com/banking/checking/checking-account-survey/


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


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.

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