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.
Summarized from real user reviews of Chime®. Based on 1.6M reviews and a 4.8/5 average, it highlights the 8 positives and 6 negatives reviewers mention most about this Finance app.
5.347.0
October 6, 2026
They say you gotta spend money to make money. But what if you spend money on Cookie Dough? Does that mean you spent dough to get dough? We'll let the economists figure that one out. In the meantime, check out our Chime x Milk Bar partnership on social and IRL and update your app for the latest bug fixes and performance enhancements.
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3 issues
Delayed check deposits
Unexplained account closures
4 requests
Instant transaction updates
Option to choose credit builder amount
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.
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.
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.
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.
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.
