Chime® – Mobile Banking

Chime® – Mobile Banking

Credit, Cash back, Savings

1.6M ratings
4497 reviews
With Ads#8 in free Finance
🌟 Lifestyle
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • March 16, 2014
  • September 15, 2026

Features

Background Location Access

Chime® – Mobile Banking screenshot #1 for iPhone
Chime® – Mobile Banking screenshot #2 for iPhone
Chime® – Mobile Banking screenshot #3 for iPhone
Chime® – Mobile Banking screenshot #4 for iPhone
Chime® – Mobile Banking screenshot #5 for iPhone
Chime® – Mobile Banking screenshot #6 for iPhone
Chime® – Mobile Banking screenshot #7 for iPhone
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

See all reviews
+1

What's New in Chime®

5.344.0

September 15, 2026

Decorative gourds. What are they? Tiny pumpkins? Weird squash? Who decided we needed a bowl full of bumpy little vegetables we have absolutely no intention of eating? Somewhere along the way, humanity looked at a lumpy squash and said, “Put that on the dining room table.” We may never understand it. What we do understand: bug fixes and performance updates. Tap update and enjoy fall’s strangest little decorations.

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Charts

Top Free

📈 8+1

Finance

This app rose +1 position in Finance chart.

Last updated on September 21, 2026.

Top Free

📉 136-5

Global

This app dropped -5 positions in Global chart.

Last updated on September 21, 2026.

Events

Read more about Meet Chime Prime™

Meet Chime Prime™

The Most Rewarding Way to Bank

May 28, 2026 Jun 28, 2026

Read more about Introducing Chime Prime™

Introducing Chime Prime™

The most rewarding way to bank

Apr 30, 2026 May 28, 2026

Read more about Dark mode is here.

Dark mode is here.

Banking that’s even easier on your eyes.

Apr 15, 2024 May 16, 2024

User reviews

Trash

Trash holds your money for day doing only god knows with it before putting it in your account

Weeks of Evidence, Only a Generic Denial 😭

I’m extremely disappointed with how Chime handled my dispute. I submitted a large amount of evidence, including transaction records, direct communications with the merchant, cancellation and refund communications, supporting public records, and documentation explaining the entire situation. My dispute remained under investigation for weeks, only for me to receive a generic response stating that “no error occurred.”

What frustrates me most is that the final determination did not explain what specific evidence led Chime to reject my claim or meaningfully address the evidence I submitted. The letter simply says they reviewed the information and that no credit would be issued. After the amount of documentation I provided, I expected a much more transparent explanation of how that conclusion was reached.

I now have to contact Member Services just to request copies of the documents Chime relied upon when making its decision. Based on my experience, I have very little confidence in Chime’s dispute process. Customers dealing with serious merchant disputes deserve clear explanations, transparency, and a meaningful review of the evidence they provide—not a generic “no error occurred” response after weeks of waiting
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The worst banking ever

It should not take a month to receive my card
By the time that i receive it , the checking account bonus will be gone and i will not be able to use or transfer money if i do not activate it.
So why are you doing direct deposit checking bonus account bonus or making me put any money it in chime account if that is the case.
It should not take 45-50 mins of conversation or waste of time to learn that i still have to wait for my card.
I feel sad that i refered my friend and glad that i did not put my biggest check there.
I will close my account asap once i receive my cars and do not do any business with this bank.
(Also , it takes 1 hour to close your account and their customer services even do not transfer me to correct departmant and i was given this number on the app when i said that i want to close the account
And they tell me it will take a month to receive your check if you want to close directly)
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Curry is gross

I don’t know why in a bear business has stinky feet Iraqi Muslim supporting Islamist holding my money, stealing my money and then shutting my account down if you’re not Christian and American, you shouldn’t be touching my money that’s against my belief

Review

Chime is covenant and always a help in need…I Love it! Thanks so very much!

Developer apps

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.