Chime® vs ebtEDGE
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
Chime®
This financial app offers fee-free banking with features like early paycheck access and a credit builder. It helps your money grow with tools for savings and rewards. Enjoy convenient mobile banking with a focus on user benefits.
- Fee-free banking
- Early paycheck access
- Credit builder feature
- Savings tools
- Cash back rewards
- Fee-free ATM access
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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.
ebtEDGE
Manage your SNAP and TANF benefits with ease. Check balances, review transaction history, and view deposit schedules. Securely access your accounts with fingerprint or facial recognition, and find nearby retailers.
- Check benefit balances
- View transaction history
- Review deposit history
- Biometric login (Touch ID/Face ID)
- Locate SNAP retailers
- Set language preferences
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ebtEDGE mobile application simplifies your life when you depend on SNAP or TANF benefits allowing you to view your benefits at the touch of a finger. ebtEDGE allows you to check your balances, review your transaction history. If you have both SNAP and TANF benefits you will have access to view both benefits at the same time. • Free for cardholder use. • The most private and secure EBT application on the market. • If your phone supports Apple Touch ID, running iOS 11+ and you’ve registered your finger prints to your phone, simply touch the finger sensor on your IOS device, and quickly access the balance of your accounts. • If your phone supports Apple Face ID, running iOS 11+ and you’ve enrolled your face, quickly access the balance of your accounts by looking at your phone. • Securely login with User ID and Password. • View your deposit history. • View your transaction history. • View your benefit schedule. • Select a PIN. • Need help? We have plenty of that in the Help Center. • Locate SNAP retailers near your location or where you are going to with the location services. • Set your language preferences to English, Spanish or Haitian Creole. • New features around the corner… stay tuned…. ---------------------------------------------------------------------------- 1. Only certain devices are capable for either touch id or face id login. 2. For State SNAP or TANF cardholders with eligible cards. ---------------------------------------------------------------------------- Free for your use in the following states: Alaska, Arizona, California, Colorado, District of Columbia, Florida, Guam, Hawaii, Idaho, Illinois, Kansas, Kentucky, Massachusetts (WIC), Michigan, Minnesota, Missouri, Nebraska, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Oregon, Rhode Island, South Dakota, Tennessee, Utah (WIC), Vermont, Virgin Islands, Washington, West Virginia, Wisconsin and Wyoming.
Screenshots
Verdict
The clearest difference is review sentiment: Chime® at 61% against ebtEDGE's 12%. Chime® also leads on rating (4.8 vs 1.8) and update cadence (weekly vs every 2 months). ebtEDGE's advantage is ads (none vs shown) and monetization model (free vs ad-supported). On price and in-app purchases 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 1.8. That said, the two scores are not equally well evidenced: Chime® has 1.6M ratings behind it against 4.6K, so its average is the more settled of the two. Written reviews point the same way: 61% of Chime®'s written reviews are positive against 12% of ebtEDGE's.
Chime® ships an update weekly, ebtEDGE every 2 months. The most recent releases landed on November 5, 2026 and November 2, 2026 respectively.
| Parameter | Chime® | ebtEDGE |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.6M ratings) — better | 1.8 (4.6K ratings) |
| Positive reviews | 61.3% of reviews — better | 11.7% of reviews |
| Number of ratings | 1.6M — better | 4.6K |
| Update frequency | Weekly — better | Every 2 months |
| Ads | Yes | No — better |
| In-app purchases | No | No |
| Monetization | Ad-supported | Free — better |
| Best chart rank | #7 — better | #97 |
| Devices | iPhone | iPhone, iPad, iPod — better |
| Requires iOS | 16.4 | 12.0 — better |
| Further details — not scored | ||
| Size | 280 MB | 9 MB |
| Age rating | 4+ | 4+ |
| Developer | Chime Financial, Inc. | FIS |
Customer experience
Chime®
ebtEDGE
User reviews
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
ebtEDGE
From 4.6K App Store ratingsWhat we love
- 🚀 Easy to use
- 🔒 Protects benefits from theft
- 👍 Convenient features like freezing/unfreezing card
Room to improve
- 🐛 Frequent crashes and login issues
- 🔍 Registration and account recovery problems
- ⚠️ Inconsistent and unreliable performance
Bugs and requests
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
ebtEDGE
Reported bugs
3 issues- App not loading or updating properly
- Account information not displaying correctly
- Inability to register or recover account
Requested features
3 requests- Biometric login support
- Automatic balance alerts and notifications
- Improved customer support and troubleshooting
In-app purchases
Chime®
No in-app purchases
ebtEDGE
No in-app purchases









