EdFed vs Chime®
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
EdFed
Manage your finances on the go with this mobile banking app. View account balances, transaction history, and check images. Schedule bill payments and deposit checks remotely. Locate nearby ATMs easily.
- Account management
- Check image viewing
- Transaction history
- Bill payment scheduling
- Remote check deposit
- ATM locator
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Make your life easier with Educational Federal Credit Union’s FREE Mobile Banking Application for iOS. - Manage your accounts -View your check images - View your Transaction History - Schedule new Bill Payments - Deposit Checks from Anywhere - Locate nearest surcharge free ATM's.
Chime®
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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Join America’s #1 Choice for Banking™ and the millions who already bank fee-free.⁵ With Chime, your money works harder from the moment it hits your account.
Screenshots
Verdict
The clearest difference is rating: Chime® at 4.8 against EdFed's 3.0. Chime® also leads on review sentiment (61% vs 28%) and ratings volume (1.6M vs 127). EdFed's advantage is ads (none vs shown). On price, in-app purchases, monetization model and device support there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
Chime® holds the better App Store score, 4.8 against 3.0. That said, the two scores are not equally well evidenced: Chime® has 1.6M ratings behind it against 127, so its average is the more settled of the two. Written reviews point the same way: 28% of EdFed's written reviews are positive against 61% of Chime®'s.
EdFed ships an update monthly, Chime® weekly. The most recent releases landed on September 21, 2026 and September 25, 2026 respectively.
| Parameter | EdFed | Chime® |
|---|---|---|
| Price | Free | Free |
| Rating | 3.0 (127 ratings) | 4.8 (1.6M ratings) — better |
| Positive reviews | 28.0% of reviews | 60.9% of reviews — better |
| Number of ratings | 127 | 1.6M — better |
| Update frequency | Monthly | Weekly — better |
| Ads | No — better | Yes |
| In-app purchases | No | No |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | — | #9 — better |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 16.0 | 15.1 — better |
| Further details — not scored | ||
| Size | 120 MB | 239 MB |
| Age rating | 4+ | 4+ |
| Developer | Educational Federal Credit Union | Chime Financial, Inc. |
Customer experience
EdFed
Chime®
User reviews
EdFed
From 127 App Store ratingsWhat we love
- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional
Room to improve
- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times
Chime®
From 1.6M App Store ratingsWhat we love
- 🚀 Early paycheck
- 💰 No overdraft fees
- 👍 Easy to use app
- 💳 Credit builder feature
- 💳 Spot me feature
Room to improve
- 🐛 Inconsistent direct deposit timing
- 🤖 Poor chatbot support
- 💳 Difficulty with card activation/replacement
- 💰 Fees for cash deposits
- 🤔 Unclear account closure policies
Bugs and requests
EdFed
Reported bugs
45 issues- App locks and denies access after login attempts
- Cannot scan checks for mobile deposit
- Zelle feature not accessible as advertised
- Account registration fails
- Mobile deposit screen is blank or white
Show 40 moreShow fewer
- Face ID function removed, manual login causes lockout
- App rarely functions after name change, blank screens for balances
- Constantly needs reinstallation to work
- Account tab information not visible upon login
- App freezes and glitches
- Transfer completion reported, but funds not transferred
- App gets stuck in settings menu on iPad
- Cannot log out on iPad version, requires force close
- App won't open, closes immediately on launch
- Barely opens, cannot check balance
- App looks cheap and outdated
- App is rudimentary and full of bugs
- App is slow and buggy
- App crashes upon opening on iOS 13
- App reverts to icon on iPad Pro with iOS 13.1.1
- App crashes and says password is wrong
- Password issues even after changing it
- Cannot make simple transfers (savings to checking)
- App shuts down upon login attempt
- Incorrect account balances displayed
- App crashes when selecting an account after login
- App freezes or gets stuck on loading screen
- Cannot review transactions beyond a week
- Account holds listed as both pending and processed
- Charges deducted but not listed
- Username entered, but password field does not appear
- App lags after completing a transfer
- Remote deposit feature disabled
- App times out during login or mid-session logouts
- Cannot see credit card full transaction history or due date
- Language settings under 'Change Password'
- Account holds not seen in the account they are for
- App is slow, unable to open, and crashes
- App force quits on opening
- App crashes with iPad 13.1.1
- App reverts to icon on iPad Pro with iOS 13.1
- App kicks/times out frequently
- Cannot see debit card purchases
- App crashes or times out of login
- App glitches cause ruin
Requested features
12 requests- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login
Show 7 moreShow fewer
- Apple Pay/Card compatibility
- Dark mode
- Visible password option
- Option to disable auto-save account number
- iPad app
- Remote deposit feature enablement
- Update for iPhone X
Chime®
Reported bugs
3 issues- Delayed check deposits
- Unexplained account closures
- Disappearing funds during transfers
Requested features
4 requests- Instant transaction updates
- Option to choose credit builder amount
- Temporary card for emergencies
- Physical bank branches
In-app purchases
EdFed
No in-app purchases
Chime®
No in-app purchases
