# EdFed vs Chime®

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.

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.

## The numbers

| Metric | EdFed | Chime® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [3.0 (127 ratings)](https://appshunter.io/ios/app/edfed/id433267554/reviews) | **[4.8 (1.6M ratings)](https://appshunter.io/ios/app/chime-mobile-banking/id836215269/reviews)** |
| Number of ratings | 127 | **1.6M** |
| Positive reviews | 28.0% of reviews | **60.9% of reviews** |
| In-app purchases | No | No |
| Ads | **No** | Yes |
| Update frequency | Monthly | **Weekly** |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | — | **#9** |
| Size | 120 MB | 239 MB |
| Requires iOS | 16.0 | **15.1** |
| Devices | iPhone, iPad | iPhone, iPod |
| Age rating | 4+ | 4+ |
| Developer | [Educational Federal Credit Union](https://appshunter.io/developer/1386231695) | [Chime Financial, Inc.](https://appshunter.io/developer/836215272) |

## What reviewers say

### EdFed

[App page](https://appshunter.io/ios/app/edfed/id433267554)

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.

**Highlights:** Account management, Check image viewing, Transaction history, Bill payment scheduling, Remote check deposit, ATM locator

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none

**What reviewers like**

- 👍 User-friendly interface
- 🚀 Fast performance (sometimes)
- 💡 Convenient for basic banking
- ✅ Works great on iPhone
- ✅ Old app was functional

**What reviewers complain about**

- 🐛 Frequent bugs and glitches
- 🐛 App crashes often
- 🐛 Login issues (locked out, wrong password)
- 🐛 Mobile deposit not working
- 🐛 Slow loading times

**Reported bugs**

- 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

**Requested features**

- Zelle integration
- Improved mobile deposit functionality
- Bill pay improvements
- Full transaction history access
- FaceID/TouchID/Biometric login


### Chime®

[App page](https://appshunter.io/ios/app/chime-mobile-banking/id836215269)

**Currently charting:** #9 Top Free · Finance, #120 Top Free (US App Store)

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.

**Highlights:** Early payday access, Fee-free overdraft protection, Credit building tools, Automatic savings, Fee-free ATM access, Send money with no transfer fees

**Features:** Apple Wallet

**In-app purchases:** none

**What reviewers like**

- 🚀 Early paycheck
- 💰 No overdraft fees
- 👍 Easy to use app
- 💳 Credit builder feature
- 💳 Spot me feature

**What reviewers complain about**

- 🐛 Inconsistent direct deposit timing
- 🤖 Poor chatbot support
- 💳 Difficulty with card activation/replacement
- 💰 Fees for cash deposits
- 🤔 Unclear account closure policies

**Reported bugs**

- Delayed check deposits
- Unexplained account closures
- Disappearing funds during transfers

**Requested features**

- Instant transaction updates
- Option to choose credit builder amount
- Temporary card for emergencies
- Physical bank branches


## Frequently asked questions

### Is EdFed free?

EdFed is free to download, with no in-app purchases.

### Is Chime® free?

Chime® is free to download, with no in-app purchases.

### Which has better reviews, EdFed or Chime®?

Chime® is rated higher. EdFed averages 3.0 out of 5 from 127 ratings, while Chime® averages 4.8 from 1.6M ratings.

### Do EdFed or Chime® have ads?

Chime® shows ads; EdFed does not.

### Which is updated more often, EdFed or Chime®?

EdFed ships an update monthly, and Chime® weekly. Most recently, EdFed was updated on September 21, 2026 and Chime® on September 25, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*