Chime

Deposits held and insured by The Bancorp Bank

Overview / Commentary
844-244-6363
101 California Street, Floor 5
San Francisco, CA 94111
Deposits held and insured by The Bancorp Bank

Chime is a financial technology company that, with its bank partners, offers online checking and savings accounts as well as a credit-building secured credit card. The checking and savings accounts have no monthly service fees and no minimum balance requirements.

The checking account charges no overdraft fees and provides an early direct deposit service that allows you to receive your paycheck up to two days before your usual payday. You can also receive a debit card to get cash from more than 60,000 fee-free ATMs — and use Chime’s mobile app to find the nearest machine. However, fees can apply to certain types of cash deposits.

The savings account has earned an annual percentage yield (APY) of 2.00% since Sept. 20, 2023. Chime also has an option to help you grow your savings automatically: You can round up purchases to the next dollar and save the remainder.

Chime does not have branches but makes a Member Services team available 24/7 at 844-244-6363. You can also chat with Chime via the mobile app by tapping the question mark icon at the top of the screen.

Chime pros and cons

Pros:
• No overdraft fees
• Direct deposit of your paycheck up to two days early
• Automated savings tools
• Large network of ATMs

Cons:
• Cash deposit fees
• No physical locations for in-person service
• Savings rate less competitive than other online accounts
• No CDs or money market accounts

Reviews (434)

I Finally Got My Money Back From Scammers

Posted by: |

I registered with a scam broker and was tricked into putting in money, they also attempted to take money from my card without my consent.I had to hire a solution professional to recover my money. HARVEYDONALD192@ g mail.come.

Hire A Hacker

I have dedicated my time to do these although am not supposed to be doing but the laudable job Henry did for me worth more than what i paid for,l have never dream of getting my husband phone call details and receiving his whatsapp and text messages(not even anytime soon).The day i started receiving all his messages that was the day l promised to come back to where l saw recommendation about him and join the good people to spread and share my experience. Married women pls contact him via email: Tomcyberghost @ g m ail com and be save from the bondage subjected by those selfish men

Long Time Customer.

Why do new customers have the opportunity to receive a Paycheck advancement yet loyal existing customers are not.
Kind of a slap in the face

Chime Doesn't Approve Any Disputes.

Posted by: |

They think they're slick. An ATM ripped me off and it was obvious because chime knew the ATM shut down on me but they denied me a refund. Sounds familiar everyone? I gotta move banks ASAP before they get me for more than 103$. PLEASE NEVER OPEN A CHIME ACCOUNT!!!

VIEW MORE REVIEWS

Health
A

Data as of Q1 2024

Data displayed below is for insuring bank: The Bancorp Bank
Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #35444
Year Established2000
Employees761
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD3.14%
Return on Equity - YTD27.3%
Annual Interest Income$135.1MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$7.92B$7.61B
LoansQ1 2024vs Q1 2023$5.71B$5.82B
DepositsQ1 2024vs Q1 2023$6.9B$6.72B
Equity CapitalQ1 2024vs Q1 2023$904.8MM$809.3MM
Loan Loss AllowanceQ1 2024vs Q1 2023$28.7MM$23.8MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$52.6MM$12.6MM
Real Estate OwnedQ1 2024vs Q1 2023$19.6MM$21.1MM
Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Chime; we are a rate comparison website and cannot provide official rates or promotions.

Chime Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$0-Chime Savings Account
2.00%$0-High Yield Savings Account
Locations

Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 101 California Street, Floor 5 - San Francisco, CA 94111

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.