Chime is a financial technology company that provides an array of banking services primarily through a mobile app. Unlike traditional banks, Chime focuses on making banking simple, fee-free, and convenient for its users. Here’s what you can expect from Chime:
Key Features
- No Monthly Fees: Chime does not charge any monthly maintenance fees, overdraft fees, or minimum balance fees.
- Early Direct Deposit: With Chime, you can get paid up to two days early when you set up direct deposit with your employer.
- Fee-Free Overdraft: Chime offers a feature called SpotMe, which allows you to overdraft your account by up to $200 on debit card purchases without any fees.
- High-Yield Savings: Chime offers a savings account with a higher interest rate compared to many traditional banks, helping you grow your savings faster.
- Chime Credit Builder Card: This is a secured credit card designed to help you build or improve your credit score with no annual fees or interest.
- ATM Access: You have access to over 38,000 fee-free ATMs within the MoneyPass® and Visa Plus Alliance networks.
- Security and Insurance: Chime accounts are FDIC-insured up to the standard $250,000 through their banking partners, The Bancorp Bank, N.A. or Stride Bank, N.A.
CHIME APP
Chime Customer Service
844-244-6363
Mobile Banking
Chime operates almost entirely through its mobile app, which offers features like mobile check deposit, bill pay, automatic savings, and real-time transaction notifications.
User-Friendly
Chime is popular for its user-friendly interface and focus on providing financial peace of mind by eliminating many of the fees associated with traditional banks.
Would you like more information about any specific feature, or how to get started with Chime?