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Chime® – Mobile Banking

Chime® – Mobile Banking

The #1 Choice for Banking

1.5M ratings
4103 reviews
With Ads#8 in free Finance
🌟 Lifestyle
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • March 16, 2014
  • August 4, 2026

Features

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

Summarized from real user reviews of Chime®. Based on 1.5M reviews and a 4.8/5 average, it highlights the 8 positives and 6 negatives reviewers mention most about this Finance app.

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®

5.338.0

August 4, 2026

Summer’s moving fast, but your Chime app doesn’t have to slow down. We squashed a few bugs and made performance updates to keep things running smoothly. Tap update and get back to soaking up the season.

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Charts

Top Free

📊 8

Finance

The app has maintained its position at 8 recently.

Last updated on August 10, 2026.

Top Free

📈 119+1

Global

This app rose +1 position in Global chart.

Last updated on August 11, 2026.

Events

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

Read more about Dark mode is here.
Event EndedMajor Update

Dark mode is here.

Banking that’s even easier on your eyes.

Apr 15, 2024 — May 16, 2024

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Phenomenal

QUICK FAST SERVICE
jazzey4276jazzey4276

Ethan

I love chime
TPG TrixxTPG Trixx

I like it!

So far, so good. I’m having the best banking experience with Chime, I get paid 2 days early and pay no overdraft fees.
FireballCrystalFireballCrystal

The greatest chime piece

Chime has been my go to card for banking it has wonderful easy to follow policies
Cresencio 1977Cresencio 1977

Don’t

Don’t use them if someone scam you they don’t give your money back like an actual bank they’ll deny your claim in less than 24 hours they don’t care about their customers AT ALL you get charged a fee for everything this app is more so for people who can’t get an actual bank account for whatever reason but don’t use chime they only care about their customers money they can collect I closed my account very poor customer service and no one really speaks English this isn’t a good a mobile banking if you need mobile banking use current
Show more
AmmyBrandywrightAmmyBrandywright
See 4098 more reviews

Developer apps

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Get more than your hourly wage

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(330)

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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.