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Chime Reviews


bestfor-icon Improving Credit Score

Written by Andrew Omalley

About Chime | Read More


LS Score







Visit site
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Mon - Sun 24/7
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  • support@chime.com
  • (844) 244-6363
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Chime Online Banking Review

Chime offers three different account options to consumers, a checking account, a savings account, and a credit builder option. This review will break down each of these products so you can figure out if they’re going to be a nice fit for your situation.

Chime Online Banking Highlight

No minimum

Min Deposit


ATM Network


Other Fees

Online Banking Savings

No minimum

Min Deposit

Min 2%

Min APY Savings

Online Banking Checking

No minimum

Min Deposit

Pros & Cons

  • con-icon No monthly fees or minimum balance requirement
  • con-icon People can repair their credit history
  • con-icon Access to 60,000+ fee-free ATMs
  • con-icon User-friendly mobile app
  • con-icon No overdraft fee
  • con-icon No physical branches
  • con-icon Daily and weekly maximum limits

Account types

  • Checking
  • Savings
  • Money Market Deposit Account (MMDA)


Account 1 Year 3 Years 5 Years
Chime Savings Account 2% 2% 2%
Chime Checking Account
Secured Chime Credit Builder Visa® Credit Card

Features Benefits & Rewards

  • No monthly fees
  • Allows people to safely build their credit
  • No minimum balance requirement

Opening an Account With Chime

One of Chime’s aims was to make its offering as user-friendly as possible. The website outlines how it takes just two minutes to create a new bank account online. Anyone who is at least 18 years old and is a US citizen or permanent resident will be able to apply.

State Availability

- Available in all states

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.



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.