Editor's Review

📱💳💰 Chime is the banking app that has your back! With Chime, you can keep your money safe with top-notch security features, enjoy overdraft up to $200 fee-free*, and get paid early with direct deposit^, all without worrying about any monthly fees‡. Trusted by millions of users, Chime offers instant transaction and daily balance alerts to help you stay in control of your money. Plus, you can enable two-factor authentication and block your card in a single tap for enhanced security. 💪✅ One of the standout features of Chime is the ability to overdraft up to $200* on debit card purchases and ATM withdrawals without incurring any fees. Say goodbye to pesky overdraft fees and hello to peace of mind! No one wants to pay to access their own money, and Chime gets it. That's why they don't charge any monthly maintenance fees, minimum balance fees, or foreign transaction fees. Plus, with access to over 60,000 fee-free ATMs at popular locations like Walgreens, 7-Eleven, CVS, and more, you can conveniently withdraw cash without worrying about additional charges. 💸💵 Another great perk of using Chime is the ability to get your paycheck up to two days early^ with direct deposit. This means you can access your hard-earned money before you would with some traditional banks, giving you a head start on your financial goals. 💪💰 Chime understands the importance of building a good credit score, and that's why they offer Credit Builder, a new way to build credit. Whether you need to make small purchases like gas or groceries, you can use Credit Builder¹ to increase your FICO® Score by an average of 30 points² with regular on-time payments. The best part? There's no interest, no annual fees, and no credit check required to apply. It's a win-win situation for improving your creditworthiness. 📈🔝 Sending money to friends, family, or roommates is a breeze with Chime. You can pay anyone as fast as sending a text, and the best part is that there are no transfer fees! Whether you need to split a bill, pay someone back, or simply send money, Chime makes it easy and cost-effective. 💬💸 While Chime offers a range of fantastic features, it's important to note that it is a financial technology company and not a bank. The banking services are provided by The Bancorp Bank or Stride Bank, N.A., both Members FDIC. Additionally, some features like Chime SpotMe, which allows for overdraft, have certain eligibility requirements and limits. But overall, Chime offers a secure and convenient banking experience that is loved by millions of users. 💼🔒

Features

• ✅ Keep your money safe with top-notch security features

• ✅ Overdraft up to $200 fee-free*

• ✅ Get paid up to 2 days early^

• ✅ Access 60k+ fee-free ATMs

• ✅ Build credit with Credit Builder¹

• ✅ Pay anyone with no transfer fees

Pros

• ✅ No monthly maintenance fees

• ✅ No minimum balance fees

• ✅ No foreign transaction fees

• ✅ Two-factor authentication for enhanced security

• ✅ Block your card in a single tap

• ✅ Trusted by millions of users

• ✅ Paycheck up to two days early^

Cons

• ❗ Chime is a financial technology company, not a bank

• ❗ Some features like Chime SpotMe have eligibility requirements and limits