Real Chime reviews from real people.
Discover what our members love so much about banking through Chime, the #1 Most Loved Banking App.1
Learn how we collect and use your information by visiting our Privacy Notice ›
Discover what our members love so much about banking through Chime, the #1 Most Loved Banking App.1
Learn how we collect and use your information by visiting our Privacy Notice ›
Chime has been praised by financial experts and publications.
“This is the safest secured card for building credit.2”
“Chime, the largest digital-only financial provider in the U.S., has capitalized on distrust of traditional banks and their slowness to digitize.”
— CNBC
“It lets customers overdraw their accounts by up to $200 for free and offers a secured credit card (a plus for those with limited or poor credit histories).”
— Forbes
In the App Store and Google Play.
4.8
App Store
(1M Reviews)
4.7
Google Play Store
(780K Reviews)
I love the Chime Community, and banking through Chime is easy and stress-free.
Dayshia B.
“One of the most refreshing aspects of Chime is its commitment to transparency. I haven’t been charged for overdrafts, monthly maintenance, or foreign transactions. This alone has saved me a significant amount of money compared to traditional banks.”
Kristofer C.
“Chime has changed the game for me! My paychecks come early, SpotMe3 on Credit Builder gives me the ability to have extra funds for emergency and my credit has improved 20 points!!”4
Cheyenne B.
“Chime came along when I could not open a traditional bank account. Shortly after having my Chime account, I no longer desired a traditional account. The joy and peace of mind Chime has brought me is immeasurable.”
Jacqueline S.
“I’ve been through 4 different banks, and I have not been more satisfied than what I am with Chime… Chime is the absolute best!”
Crystal E.
Real Member. Paid Testimonial.
Say goodbye to overdraft fees.
When you use SpotMe®, we can spot you up to $2003 on transactions and cash withdrawals from your Chime Visa® Debit Card or secured Chime Visa® Credit Card fee-free. We’ll simply apply your next deposit to your negative balance.
More than a savings account.
Tired of putting money into your savings account and getting basically nothing back in return? Chime offers up to 3.75% Annual Percentage Yield (APY)5 (9x more than the national average!6) on high-yield savings accounts.
47,000+ fee-free ATMs.7
You can easily find fee-free ATMs7 at places like Walgreens®, 7-Eleven®, Target®, Circle K, and CVS Pharmacy®.
You’ve read our Chime reviews. Our members love us, and so will you! Join the millions already using Chime for building credit, fee-free overdrafts, getting paid early, and more.
Chime is a financial technology company that makes it easy for members to handle their finances. Using our unique features, you can get your paycheck up to 2 days early8 with direct deposit, overdraft up to $2003 fee-free, send money to anyone, save money automatically,9 and more. Still have questions? Find answers.
No. Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted.
By just signing up! You’ll need to provide your personal information and download the Chime app. Then, you’ll be well on your way. It’s that easy.
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.
Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.
Chime Checkbook: While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).
APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.
Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752
Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.
© 2013-2026 Chime Financial, Inc. All rights reserved.
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.