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Chime® – Mobile Banking

Chime® – Mobile Banking

The #1 Choice for Banking

1.5M ratings
3817 reviews
With Ads#8 in free Finance
🌟 Lifestyle
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • March 16, 2014
  • July 21, 2026

Features

Developer

Chime Financial, Inc.
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Chime® – Mobile Banking screenshot #1 for iPhone
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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

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®

5.336.0

July 21, 2026

Ever notice how a fresh set of sheets somehow makes everything feel better? That’s kind of what this update is like. We tidied up bugs, smoothed out performance, and gave your favorite banking app a nice little refresh. Sleep better? We can’t promise that. A smoother app? That’s the idea.

More

Charts

Top Free

📊 8

Finance

The app has maintained its position at 8 recently.

Last updated on July 21, 2026.

Top Free

📈 124+2

Global

This app rose +2 positions in Global chart.

Last updated on July 21, 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

See All

User reviews

Most RecentHighest RatedLowest Rated

Best banking app I’ve ever used

Personally I’ve never had any issues with chime I’ve always got my money on time one time my insurance payment didn’t get taken out but i think it was the insurance company fault also I had sent a referral to my friend and he got payed 100 and I got payed 300 all he had to do was everything they listed and get a direct deposit can’t wait to have another friend join thru my link #free money I love my chime account
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Backend211Backend211

Awesome

Chime is awesome! I love that I can go over my in my account and not be charged. I can even borrow from Chime. I love it!!
Ms. Sexy CMs. Sexy C

Heyy

Love it
Kmart242Kmart242

I need help with completely clear my phone of this app yall are just a ripoff site

Help
ric4160ric4160

Not good

Chime will always let things take my money even when my card is locked not a good app
Gemini7550Gemini7550
See 3812 more reviews

Developer apps

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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.