Chime is a new kind of bank account that lets you manage your finances entirely from your smartphone! The best part? We help you avoid fees and save money without thinking about it. When you sign up, you get a Chime Visa Debit Card, an FDIC-insured Spending Account, and a Savings Account that helps you save money, automatically. Chime has created a new approach to banking that doesn't rely on fees, doesn't profit from your misfortune or mistakes, and offers a powerful app to keep you in control.

Make the Switch

When you switch to banking with Chime, we’ll help you stay in control and put your savings on autopilot:

• Step 1 / Open Your Account: Download the app, sign up, and enroll in Automatic Savings. We’ll send you a Chime card within two weeks.

• Step 2 / Fund Your Account: Set up direct deposit with your employer to have funds deposited to your Chime account every payday. You can also connect other accounts and transfer funds from your existing bank account for free.

• Step 3 / Update Bill Payments: Activate your card when it arrives, add it to Apple Pay, and set up recurring bill payments with your Chime card number or with your Chime account and routing numbers.

Save Automatically

• Enroll in Save When I Spend, and every time you use your Chime card to pay a bill or make a purchase we’ll round up the transaction to the nearest dollar and transfer the round up from your Spending Account to your Savings Account.

• You can also enroll in Save When I Get Paid in one easy step. You’ll automatically save 10% of every paycheck to grow your savings even faster.

Say Goodbye to Unnecessary Fees

• No minimums or monthly fees, no overdraft, and no surprises.

• ATMs are fee-free at over 24,000 MoneyPass® locations.

Manage All of Your Expenses with Chime

• Your spending account comes with a debit card that can be used anywhere Visa debit cards are accepted.

• Pay bills using your Chime card number, by providing your routing & account number to the payee, or by mailing a check from the app.

• Link a bank account to deposit funds from your existing bank account for free, or to transfer funds between accounts.

• Use Pay Friends to instantly send money to other Chime members.

Stay In Control & On Top of Your Finances

• Enjoy peace of mind with security you can trust. Deposits are FDIC insured to at least $250,000 through our partner bank, The Bancorp Bank; Member FDIC. 

• Real-time notifications to help you stay on track and in control of your spending with alerts that tell you the moment your card is used to make a purchase. 

• If your Chime card is ever lost or stolen, you can temporarily block it from the app or website.

• Need help? Visit our Help Center to find answers to frequently asked questions and contact Member Services through the app.
Many more exciting features are on the way!

For more information please visit

Note: Continued use of GPS running in the background can dramatically decrease battery life.

Banking Services provided by The Bancorp Bank, Member FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

What's New

Version 4.3.2

- Support for iOS 11.1
- Fixes for the Balance Widget
- General bug fixes and improvements

Customer Reviews

4.8 out of 5

5.2K Ratings

5.2K Ratings

It’s ok!


If your looking for a mobile bank this is what I recommend. I have tried other ones and so far this is the one I have stuck with. I get paid two days early, wich I love. The app is great and easy to work. I did have an issue with withdrawing money from an ATM machine at US BANK, which is where I go withdraw cash from. I withdrew $400 it gave them to me with that transaction I chose “Print Receipt” so I found out the limit to withdraw is $500. I then started to withdraw $100 more I chose “Not to Print a Receipt” bad idea because then the machine sounded like it was pulling the money and it was ready to dispense. When I get an error message on the screen saying “There was an error dispensing my money to please call my financial institution.” Which I did I called them they asked me for the receipt number which I didn’t have because I chose not to print a receipt. If I had a receipt they could of helped me faster. What happened next was they filed a dispute. I had to print out some forms, fill them out and fax them to them. Then it took 15 business days for them to review and finally credit me back those $100. The good thing is I did get my money back it just took some time.

Best bank I’ve ever had


I seriously cannot stress enough how wonderful chime has been. I move a lot and most the time, a bank I’m with isn’t where I’m moving to. I’ve had to change so many times and I’m always getting charged for stupid or random things. Chime has been a huge blessing since it can go anywhere with me even out of the country. It has zero fees AND it’s instant. As soon as I get paid (which is 3 days early), it’s instantly in my account. When I pay for something it reflects that it’s gone so I don’t think I have more money than I do and I can transfer money and get money from anyone that has chime instantly which is nice when I’m running low on cash and need some help from my mom or fiancé or if I’m lending money to someone. It’s been nothing but stress free. I love love love this bank.

So glad I changed from my old credit union!


My old credit union of 13 years had been bought by another company and fees and charges started adding up when I saw an ad for Chime. I signed up to try it out for 2 weeks and test it out. I finally had a bank that let me utilize Apple Pay with such ease and the app is so handy and lets me know how much I’m spending with a nice pop up letting me know of my balance.

The “spare change” option rounds up each transaction to the nearest dollar and it’s amazing how fast that adds up.

The best feature of this bank is the early direct deposit! I have two jobs and it’s so nice having that money up to 2 days early.


1debit Inc.
111.5 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 12+ for the following:
Infrequent/Mild Alcohol, Tobacco, or Drug Use or References
This app may use your location even when it isn't open, which can decrease battery life.
© Chime 2018


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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