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Chime Reviews


bestfor-icon Improving Credit Score

Written by Bob Phillips

About Chime | Read More


LS Score







Visit site
Opening Hours Opening Hours drop-down-btn
Mon - Sun 24/7
Contact Information Contact Information drop-down-btn
  • support@chime.com
  • (844) 244-6363
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Chime Online Banking Review

Chime administers a limited number of services provided by two regional banks, The Bancorp Bank and Stride Bank, N.A. Both are FDIC insured up to $250,000.

Chime Online Banking Highlight


Min Deposit


ATM Network


Other Fees

Online Banking Savings


Min Deposit

Min 2%

Min APY Savings

Online Banking Checking


Min Deposit

Min 0.25%

Min APY Checking

Pros & Cons

  • con-icon Offers competitive APY savings rate
  • con-icon Provides direct deposits almost instantly
  • con-icon Free services and min balance limits
  • con-icon Daily and weekly maximum limits

Account types

  • Checking
  • Savings
  • Certificates of Deposit (CD)
  • Money Market Deposit Account (MMDA)


Personal Checking None
Personal Savings 1.50%


Features Benefits & Rewards

  • Unlimited fee-free transactions
  • Fee-free ATM access through Chime’s network
  • Competitive savings interest rate
  • No rewards program or promotions
  • Mobile App

Opening an Account With Chime

Opening an account is done online through the company’s website. It is a simple process:

State Availability

- Available in all states

Written by Bob Phillips linkedin-icon twitter-icon

Having spent over fifteen years helping people plan their lives financially, Bob has a vast amount of knowledge concerning personal finance. During his career, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.



Is Chime a bank?

Chime is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank or Stride Bank, N.A.

Is my account FDIC insured?

Yes, all deposits are FDIC insured up to $250,000 per depositor.

How do I withdraw money from my Chime account?

There are several options for sending and receiving money. You can withdraw funds using your debit card from Chime’s free network of 60,000+ ATMs, withdraw money from non-network ATMs for a $2.50 fee, or withdraw money at a participating retailer, such as 7-Eleven or Walmart.

Customer Support

Chime provides a toll-free number on its website for customer support and the choice to communicate with them via email for non-urgent issues. We called Chime customer support at 5:30 am Pacific and were quickly connected to a live person.

In Conclusion

Chime’s customer service is responsive, and the company has branded itself well as an alternative to traditional banks. Its major selling points are its 24/7/365 customer service and lack of account fees and minimums. Chime appears to be a viable choice for those interested in doing all of their personal banking online.