Chime App: 25 Reviews, Pros & Cons, How to Download & Use

The Chime app has been gaining attention as a banking alternative that offers a variety of features to help users manage their finances more effectively. With more and more people looking for ways to save money and avoid unnecessary fees, the Chime app has become a popular choice.


In this article, we’ll look closely at the top reviews, pros, and cons and guide you on downloading and using the Chime app. The Chime app may be worth considering whether you’re looking for a more cost-effective way to manage your money or a change.

What is Chime App?

The Chime app is a banking alternative that aims to provide users with a cost-effective way to manage their finances. Unlike traditional banks, Chime does not charge monthly fees, allowing users to save money and build credit.


It’s a bank cash app and chime account app that provides various financial services, such as direct deposit, check to cash, and debit card transactions. The app’s core philosophy is that a bank account should not cost you money, and it’s designed to put the user’s financial well-being first.

What Are the Chime Accounts?

Chime has two different account options and a Visa card through its partnership with Bancorp Bank and Stride Bank, N.A. These options include the Chime Checking Account, which provides a convenient way to manage your daily transactions, and the Chime high-yield savings account, which allows you to earn interest on your savings.


Chime High-Yield Savings Account

The Chime Savings Account boasts an attractive annual percentage yield (APY) of 2.00%, making it a competitive option among high-yield savings accounts from leading online banks. To open a Chime Savings Account, you must first have a Chime Checking Account.

Once your accounts are established, you can take advantage of the convenient Round Ups feature. This feature automatically transfers the difference between your purchase amount and the next dollar to your savings account; for example, if you spend $25.50 at the grocery store, 50 cents will be transferred from your spending account to your savings account.

Another great feature of Chime Savings Account is the Save When I Get Paid; it allows you to set up a recurring transfer of 10% of your direct deposit paycheck of $500 or more from your checking account to your savings account each time you get paid. This feature makes saving effortless, simple, and regular.

Some of the Key Features of This Account Include

  • No monthly fees: you won’t have to worry about any additional costs associated with maintaining your account.
  • No minimum balance requirements: you can open an account with any amount of money and still earn interest on your savings.
  • No cap on interest earnings: the more you save, the more you’ll earn in interest; there is no limit to the amount of interest you can make.
  • No minimum deposit: you can open an account with no money and start saving as soon as possible

Chime Checking Account

The Chime Checking Account is a budget-friendly option that offers several benefits to its users. Some of the main highlights of this account include the following:

  • No monthly maintenance fees: you won’t have to pay anything extra to maintain your account.
  • No minimum balance requirements: you can open an account with any amount of money and still have access to all of the account’s features.

One of the standout features of the Chime Checking Account is the SpotMe service. When you enroll in this service, you can make debit card purchases even if you don’t have enough money in your account. The service allows you to overdraw your account by up to $200 without incurring any fees.

To be eligible for this feature, you’ll need to make a monthly deposit of $200 or more in qualifying direct deposits. Chime also has the discretion to increase your SpotMe allowance up to $200 based on factors such as your account history, natural deposit amounts and frequency, spending activity, and other factors.

Another great thing about the Chime Checking Account is that there’s no credit check required to open an account and receive a Chime debit card. You can start using your debit card anywhere Visa is accepted right away.

Secured Chime Credit Builder Visa Credit Card

The Chime Secured Credit Builder Visa Credit Card is an excellent option for those looking to build or improve their credit. This card is designed for people with bad credit or no credit and can help them take the first step toward a better financial future.

One of the critical features of this card is that the credit limit is based on the amount of money you deposit into the account. There is no minimum deposit required to open the account.

How to Get This Account?

Getting this account is easy and doesn’t require a credit check. To open the account, you will need to have a Chime Checking account that has been opened and has received a qualifying direct deposit of $200 or more in the checking account. Your employer, payroll provider, or benefits payer must make the direct deposit.

Chime’s List of Features

The Chime app offers a variety of features to make managing your accounts easy and convenient. Here are some of the things you can do with the app:

  • Contact Chime customer service
  • Pay bills directly from the app
  • Check the status of your SpotMe overdraft protection for negative balances
  • Locate in-network, fee-free ATMs
  • Deposit checks using the mobile check deposit feature
  • View account history and ratios for your Chime Savings and Checking accounts
  • Transfer money between your checking and savings account, as well as your Credit Builder account
  • Utilize the Round Ups feature to save money from debit card purchases automatically
  • Send money to friends using the Pay Anyone feature.

Is There A Fee for Chime App?

Chime prides itself on being a fee-friendly banking solution for its customers. Unlike traditional brick-and-mortar banks, Chime does not impose a plethora of charges. For instance, you will not be charged for the following:

  • Minimum balance requirements
  • Monthly or maintenance fees
  • Direct deposit charges
  • Overdraft fees (if you are enrolled in the SpotMe feature)

It’s worth noting that there is one fee to keep in mind. Chime charges a $2.50 fee for withdrawing cash from an ATM not part of its network. Additionally, the ATM operator may also impose a separate fee.

How to Download With iOS and Android?

Downloading the Chime app is a quick and easy process for iOS and Android users. Here’s how to get started:


  • Open the App Store app on your iPhone or iPad (or the direct link)
  • Search for “Chime” in the search bar
  • Tap on the app in the search results
  • Select “Get” to begin the download process
  • Once the download is complete, open the Chime app and sign in to your account


  • Open the Google Play Store on your Android device (or the direct link)
  • Search for “Chime” in the search bar
  • Tap on the app in the search results
  • Select “Install” to begin the download process
  • Once the download is complete, open the Chime app and sign in to your account.

After downloading the Chime app, you can start using the app to manage your account and enjoy all the features.

What’s the Best Way to Use the App?

To fully utilize the features of the Chime app and get the most out of your banking experience, here are a few tips:

  1. Set up automatic savings: with the Round Ups feature, you can automatically save small amounts from your debit card purchases by rounding them up to the nearest dollar and transferring the difference to your savings account.
  2. Please take advantage of direct deposit: Chime’s Save When I Get Paid feature allows you to set up recurring transfers of a percentage of your direct deposit paychecks to your savings account.
  3. Use the SpotMe feature: with SpotMe, you can overdraw your account by up to $200 without incurring any fees. To be eligible, make a $200 qualifying direct deposit in your checking account each month.
  4. Take advantage of fee-free ATMs: Chime has over 38,000 ATMs nationwide. Use the app to locate an in-network ATM near you.
  5. Use the mobile check deposit feature: you can deposit checks into your account by simply taking a photo of the bill with the app.
  6. Transfer money with ease: the app allows you to move money between your accounts and transfer money to friends with the Pay Anyone feature.
  7. Stay on top of your account activity: use the app to view account history, balances, and transactions for your Chime Savings and Checking accounts.

You can make the most out of your Chime app experience and save money by utilizing these features.

How to Sign Up With Chime App?

Signing up with the Chime app is a simple process. Here are the steps you need to take:

  1. Open the app and tap the “Sign Up” button.
  2. Enter your personal information, including your name, address, and Social Security number.
  3. Create a username and password for your account.
  4. Verify your identity by providing a valid government-issued I.D.
  5. Link your external bank account to your Chime account.
  6. Accept the terms and conditions of the app.
  7. Once complete, you will receive a confirmation email from Chime.

After signing up, you can use the app to access your account, check your balance, make transactions, and more. You can also add your direct deposit information and receive your paychecks directly into your Chime account.

25 Reviews for Chime App

  1. “I love that I don’t have to pay monthly or yearly fees with Chime. It’s a game changer.”
  2. “The round-up feature for my debit card purchases is beneficial for saving money.”
  3. “I love that I can deposit checks right from my phone. So convenient!”
  4. “I had trouble setting up direct deposit, but customer service was helpful and sorted it out.”
  5. “I love the early access to my paychecks. It’s such a lifesaver.”
  6. “I’ve been using the Chime app for a few months now, and I’m impressed with it. The app is easy to navigate, and I love that there are no monthly or yearly account fees. I also appreciate the early access to direct deposits for payroll. The SpotMe overdraft protection is also a huge plus.”
  7. “I switched to Chime from my traditional bank because I was tired of all the fees. The Chime app has been a lifesaver for me. I love that I can deposit checks with the mobile deposit feature and find fee-free ATMs in the app. The customer service is also top-notch.”
  8. “I love the early access to my paychecks. It’s such a lifesaver.”
  9. “I wish there were more budgeting tools available on the app.”
  10. “I don’t like that there’s no joint account option.”
  11. “I was charged a fee for making a cash deposit, which was a bummer.”
  12. “I love that my account is FDIC insured.”
  13. “The app is user-friendly and easy to navigate.”
  14. “I’ve been using Chime for a while now, and overall, I’m pretty satisfied with the app. It’s easy to transfer money between accounts, and I love the Round-Up feature. However, I wish more budgeting tools were available within the app.”
  15. “I recently signed up for Chime, and I’m thrilled with my decision. The app is user-friendly, and I love that there are no monthly or yearly fees. The only downside is that there are no physical bank locations to deposit cash.”
  16. “I’ve been using Chime for a few months, and it’s been a great experience. The app is easy to use, and I love that I can deposit checks with the mobile deposit feature. I also appreciate the SpotMe overdraft protection. My only complaint is that the cash deposit fees can be a bit high.”
  17. I love getting notifications when I spend and receive money. My bank has no atms close to so I like that with a chime. I can use it for a lot of items.
  18. I love how easy Chime is to use; you can add money at different retailers and send and receive money from anyone, even if they don’t have an account with a chime.
  19. I love that I can always access my money anytime if needed, and always a customer service agent willing to help with issues.
  20. This is one of the best mobile banking great bonuses.
  21. You can get paid up to 2 days early with Chime, and they have cool bonuses if you get a friend to sign up. Chime support is also excellent and understanding when you go to them if you have any issues.
  22. It has saved me a few times. I believe they also have options to help build or improve your credit.
  23. Great app, plentiful, and easy to conduct business with monitoring your finances in one place. This bank has low fees and helps you to advance your financial health.
  24. What did I like least about the Chime? The customer service and their lack of knowledge regarding the Unauthorized opening and use of an account you do not know of by an unknown person.
  25. Overall, Chime is an excellent option for a convenient and secure online banking platform with various useful features.

Final Thoughts on the Usability and Benefits of the Chime Banking App

Wrapping up, Chime is a financial technology company that offers a range of banking services, including checking and savings accounts, credit building, and cash deposit features. The Chime app is easy to use and provides various features to help you manage your finances.

Some of the pros of the Chime app include no monthly or yearly account fees, early access to direct deposits, and the ability to deposit checks remotely. Some cons include the lack of budgeting tools, joint accounts, and interest on the checking account.

Chime can be a great alternative to traditional banking options, especially for those looking to avoid fees and build credit. With the Chime bank cash app and some money features, you can easily manage your money; apply now to get started with the app.

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