Chime
4.7 
Category: Finance
Price: free
Age Rating: Everyone
Rating: 4.7
Available on: /
Updated on: Jun 25, 2026
Chime makes saving effortless through its Automatic Savings feature, which allows users to round up their purchases to the nearest dollar and transfer the difference to a savings account. This simple yet effective approach helps users save money without even thinking about it, promoting a healthy financial habit.
Chime offers a unique Credit Builder Account that allows users to establish or improve their credit score without the stress of high-interest rates. By using their own money to back a secured credit card, users can build credit responsibly while enjoying the benefits of financial flexibility.
With Chime's Early Direct Deposit feature, you can access your paycheck up to two days earlier than traditional banks. This can be a game-changer for budgeting and managing expenses, giving you a head start on your financial plans and peace of mind knowing your funds are available sooner.
Chime stands out with its commitment to transparency, offering banking services without the burden of hidden fees. This means no overdraft charges, monthly maintenance fees, or minimum balance requirements, allowing users to manage their finances without unexpected costs getting in the way.
Chime offers no monthly fees, saving you extra money. Enjoy early direct deposits for faster access to funds. Access over 24,000 fee-free ATMs nationwide for convenience. Receive instant transaction notifications to track your spending easily. Benefit from automatic savings features to grow your money effortlessly. 
Limited ATM access may incur fees outside the network. Customer service response times can be slow. Lack of physical branches makes in-person assistance difficult. Chime is designed primarily for individuals seeking a modern banking experience that emphasizes convenience and accessibility. Whether you’re a busy professional managing daily expenses, a student navigating financial independence, or someone looking to budget effectively, Chime caters to a wide range of users. The app is particularly beneficial for those who prefer digital banking solutions without the hassle of traditional banking visits. Users can easily deposit checks via their smartphones, set up direct deposits, and manage their spending through intuitive budgeting tools. Additionally, Chime’s automatic savings features allow users to effortlessly save money without the need for manual intervention, making it ideal for anyone looking to build their savings over time.
The user interface of Chime is sleek and user-friendly, making navigation a breeze for both tech-savvy individuals and those less familiar with banking apps. Upon logging in, users are greeted with a clean dashboard displaying their account balances, recent transactions, and spending habits. The app’s design emphasizes simplicity, with features like round-up savings and customizable notifications that help users keep track of their financial goals. Feedback from users consistently highlights the app's reliability and speed, with minimal loading times and quick access to important features. Chime also provides a seamless onboarding process, allowing new users to set up their accounts in just a few minutes, which is particularly appealing for those who might feel overwhelmed by conventional banking procedures.
Chime stands out in the digital banking space by offering its services with no monthly maintenance fees, no overdraft fees, and no minimum balance requirements. This makes it an attractive option for individuals looking to avoid hidden costs commonly associated with traditional banks. Users can also take advantage of Chime’s fee-free ATM access at thousands of ATMs across the country. While the app does not offer interest on checking accounts, Chime provides a competitive interest rate on savings accounts, allowing users to grow their savings without incurring costs. Overall, Chime’s transparent pricing model resonates with users who appreciate straightforward banking without unexpected charges.
Chime is committed to continually improving its app through regular updates that enhance functionality and user experience. Users can expect timely bug fixes and feature enhancements aimed at addressing customer feedback. The support system is robust, offering a comprehensive FAQ section, live chat, and responsive customer service via email. This multi-channel approach ensures that users receive the help they need promptly, fostering a positive relationship between Chime and its customers. Overall, Chime’s dedication to updates and support contributes to a trustworthy banking experience, empowering users to manage their finances confidently.
Security & Privacy Review
Google Play 
App Store 
2 years later from when I called out this issue and no change .. I believe that most people would agree that when viewing "Transactions" whether in credit builder or checking account, it should show us our total balance at-the-time, below the amount of the transaction. For instance, if I had $23 then spent $5, below the $5, should say $18. it would help so much when tracking our spending. and it would affect nothing negatively to add that basic feature.
It's a easy to use and simple app with multiple features - virtual cards, daily balance notifications, option to lock cards, FEE FREE overdraft if you use direct deposit, transfer monet, pay al bill and even a map with a choice of ATMs that you can withdraw from for free and side hustle opportunities. BUT I don't like the new layout. the option to lock your card used to be along the bottom but it's now located in settings. I don't like clicking on too many things to use one feature.
I've had to replace my cards multiple times. Somehow, people keep getting my card numbers and using my money on gaming websites. I have to keep the cards frozen until I use them, then freeze them again. I've never had an issue with any other banking or money app. I wish I could rate it one star. Terrible security, but customer service is top notch, when you get a representative you can understand.
No easy cancel, makes you jump through hoops to find it through support. The same support that ended the chat while I was actively typing a message less than a minute or two after joining the chat. Was then locked out of text chat because my "issue requires a call," but they knew my issue when I was matched with a chat with a support supervisor. Make it make sense. Worst customer service I have experienced in a long time. Should be 1 star, but the referral system and savings is pretty good.
Chime is generally good for me, but I find depositing cash to be annoying, and I have been unable to deposit checks using the camera scanner for months. It simply always rejects my photo and says it needs a better quality photo when my camera and lighting conditions are perfectly fine. The camera preview is low quality compared to the camera app on my phone, and it simply just doesn't work.
Review Source: Google Play store public user reviews.
Yes, Chime encourages user feedback and suggestions, which can typically be submitted through the app or their official website.
Yes, Chime collects personal data to comply with financial regulations, provide services, and improve user experience. Users can review their privacy policy for details.
Chime primarily requires an internet connection to access its features; however, you can view transaction history offline if it has been previously loaded.
Since Chime does not require a subscription, users can simply stop using the app or close their account through the app settings or customer support.
Chime does not have a subscription fee; it is free to use, although there may be fees for optional services like expedited transfers.
To check your account activation status, log in to the Chime app or contact customer service for help.
You can reach Chime customer service through the in-app chat, by calling their support number, or visiting their website for more options.
To update your customer number, contact Chime customer service directly for assistance with your account details.
To activate your Chime account, simply follow the instructions in the email you received after signing up or use the app for guidance.
Yes, you can contact customer service using their support number or visit their website for assistance, even without logging in.
Summer is peak seafood season, which raises an important question: are crabs, shrimp, and lobsters just...the bugs of the sea? Think about it. Exoskeletons. Scuttling around. Too many legs. But you lather those things in butter and yee-haw partner. Curious. Anyway, while scientists sort that one out, we've been busy squashing the actual bugs in your Chime app and making performance improvements. Tap update and enjoy the freshest experience of the season.
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