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Chime® – Mobile Banking

Chime® – Mobile Banking

Credit, Cash back, Savings

1.6M ratings
4938 reviews
With Ads#7 in free Finance
🌟 Lifestyle
💰 Finance
Free
With Ads

Details

Released
March 16, 2014
Updated
October 27, 2026

Features

Background Location Access

Developer

Chime Financial, Inc.
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Chime® – Mobile Banking screenshot #8 for iPhone
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About

Manage your finances with tools for early payday access, fee-free overdraft protection, and credit building. This app offers a checking account with fee-free cash deposits and ATMs, plus automatic savings features and 24/7 support.

✓Early payday access
✓Fee-free overdraft protection
✓Credit building tools
✓Automatic savings
✓Fee-free ATM access
✓Send money with no transfer fees
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What users say about Chime®

Reviews of Chime® are mostly positive: the Finance app is rated 4.8/5 from 1.6M App Store ratings. What users like most: early paycheck, no overdraft fees. Top complaints: inconsistent direct deposit timing, poor chatbot support. Summarized from real user reviews.

Positive things

  • 🚀Early paycheck
  • 💰No overdraft fees
  • 👍Easy to use app
  • 💳Credit builder feature
  • 💳Spot me feature
  • 💳Referral program
  • 🏧Fee-free ATM access
  • 🤝Helpful customer service

Negative things

  • 🐛Inconsistent direct deposit timing
  • 🤖Poor chatbot support
  • 💳Difficulty with card activation/replacement
  • 💰Fees for cash deposits
  • 🤔Unclear account closure policies
  • 🔒Security concerns with unauthorized transactions
See all reviews
+1

What's New in Chime®

5.350.1

October 27, 2026

Ever wonder what bugs dress up as for Halloween? Maybe a 404 ghost? A spinning wheel of doom? The scariest costume would probably be a software engineer. Imagine showing up to a bug Halloween party dressed as the very person who's been hunting you down all year. Terrifying. Anyway, we've been busy squashing bugs and making performance improvements in this week's Chime update. Happy Halloween, everyone. Except the bugs.

More

Charts

Top Free

📊 7

Finance

The app has maintained its position at 7 recently.

Last updated on November 2, 2026.

Top Free

📉 121-3

Global

This app dropped -3 positions in Global chart.

Last updated on November 2, 2026.

Events

Read more about Introducing Chime Invest
Event EndedMajor Update

Introducing Chime Invest

A smarter way to invest is here

Sep 19, 2026 — Oct 20, 2026

Read More

Read more about Meet Chime Prime™
Event EndedMajor Update

Meet Chime Prime™

The Most Rewarding Way to Bank

May 28, 2026 — Jun 28, 2026

Read More

Read more about Introducing Chime Prime™
Event EndedMajor Update

Introducing Chime Prime™

The most rewarding way to bank

Apr 30, 2026 — May 28, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Top tier banking

I’ve never been happier or more pleased with chime than any other banking I’ve used in the past. Many, many positive changes to my credit history and my financial history. Will never bank any where else!
TTG/0104

$100 Referral is a scam

I sent two links to my kids and they tell me they clicked on it, but it directed them to download the app. Which they did and created their profile and info. And for whatever reason, no $100 credit
WWhaddayathink?

love chime

i’ve been banking with chime for 3 years and so far it’s been flawless. The my pay cash advance and spot me has helped me tremendously when i’m in a pinch as well. The app is functional and easy to understand. I always get my paycheck a day early as promised. Love chime!
Mmimiiiii3

Unorganized

I would not recommend this bank. Every week they change their policies and guidelines and they never let you know of such changes.
TTakia1985

Amazing Chime

Easy and fast. Loving all the savings and perks that come with it. Chime will be around for me a long time!
RCRinging with Chime
See 4933 more reviews

Developer apps

Salt: Work and Get Rewarded
Salt: Work and Get Rewarded

Get more than your hourly wage

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User experience

🐞

Reported Bugs

3 issues

Delayed check deposits

Bug

Unexplained account closures

Bug

Disappearing funds during transfers

Bug
✨

Requested Features

4 requests

Instant transaction updates

Feature

Option to choose credit builder amount

Feature

Temporary card for emergencies

Feature

Physical bank branches

Feature

FAQ

What does this app do?

This app provides financial tools to help users save, spend, and build credit. It offers features like early access to direct deposits, overdraft protection on debit and credit card transactions, and a checking account with fee-free cash deposits and ATMs.

What are the key features of this app?

Key features include early payday access (up to $500 with direct deposit), SpotMe® for overdraft protection up to $200 on card transactions, smart credit management tools to protect and grow credit, and automatic savings features with a high-yield savings account.

Is this app free to use?

The app itself is free to download and use. While there are no monthly fees for the banking services, some features may have associated costs or eligibility requirements, such as a small fee for instant advances or potential fees for out-of-network ATM withdrawals.

What are the common use cases for this app?

Common use cases include getting paid up to two days early, avoiding overdraft fees on everyday purchases, building credit history through regular spending and on-time payments, and automatically saving money towards financial goals.

Is this app compatible with my device?

The application is designed for mobile devices. Specific compatibility details, such as supported operating system versions, would typically be found on the app's download page in the respective app store.