Written by Jessica Merritt | Edited by Rebecca Stropoli | Updated on 06/02/2025
Chime is a financial technology company that partners with national banks to offer online-only banking services. The company has digital-first checking, high-yield savings and second-chance bank accounts but no certificates of deposit (CDs).
All accounts are covered by Federal Deposit Insurance Corp. (FDIC) insurance up to standard limits through Chime’s partner banks.
Customer service: is available 24/7 by phone at 844-244-6363, or you can chat with a live agent through the mobile app. Chime reviews highlight the easy-to-use app, plus fee-free overdraft and credit-building features.
Chime offers a highly rated mobile banking app that allows you to make mobile check deposits, online bill payments and instant, fee-free transfers. The Pay Anyone feature enables you to send instant, fee-free transfers to anyone via the app, even if they don’t have a Chime account.
You can manage your Chime checking account with 24/7 mobile banking.
I've only been using Chime for a short period of time. I was using it because I wanted to get my paycheck a couple days early because I get paid every two weeks. Anyway I was offered the Chime credit builder card after so long. From what I read and understood,it would help me build my credit. As long as I added money to it from my checking account. Well they voluntarily took 100 dollars from my checking account and I don't know where or why they took it. It also told me if I owed 600 some dollars by the 27th of this month. Why,I never borrowed or used any money that wasn't mine. Can someone please inlighting me on why?
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
I THINK WHY PEOPLE ARE GETTTING MONEY STOLEN IS BECAUSE ITS PEOPLE IN THE COMPANY THATS DOING IT. THEY HAVE ALL OF OUR INFORMATION AND I HONESLTY THINK THE REASON IS BECAUSE ITS SOMEONE INSIDE THATS DOING THIS!
Chime is a poorly designed payment method that favors scammers. THE DEFAULT PAYMENT METHOD CANNOT BE REFUNDED! Scammers will use this to their advantage. “Pay anyone” is a payment method that chime cannot refund. But for some reason, chime made this the DEFAULT PAYMENT METHOD!!!!!!! I did not choose this method. The software chose it for me automatically. I have been scammed and chime refuses to help out in any way!
Overall | |
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FDIC Certificate # | 35444 |
Year Established | 2000 |
Employees | 764 |
Primary Regulator | OCC |
Profit Margin | |
---|---|
Return on Assets - YTD | 2.8% |
Return on Equity - YTD | 28.44% |
Annual Interest Income | $139.6MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $9.39B$7.92B |
Loans | Q1 2025vs Q1 2024 | $6.54B$5.71B |
Deposits | Q1 2025vs Q1 2024 | $8.37B$6.9B |
Equity Capital | Q1 2025vs Q1 2024 | $911.6MM$904.8MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $52.5MM$28.7MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $32.3MM$52.6MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $67.1MM$19.6MM |
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.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
---|---|---|---|---|
3.75% | $0 | - | Chime+ Savings w/ Qualifying Direct Deposit | |
1.25% | $0 | - | Chime Savings Account (High Yield Savings) |
Chime is an Internet only bank and does not have branch locations. Its headquarters is located at 101 California St., Floor 5 - San Francisco, CA 94111