This product has been scored using WalletHub’s proprietary rating system for banking products. We evaluated this account for various consumer needs and picked the rating for the need with the highest score, which is "Everyday checking with a low balance."
Fee-free overdraft up to $200 for eligible members.¹
- Chime members who receive a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month are eligible for SpotMe®.
- SpotMe limits start at $20 and can be increased up to $200 by Chime based on factors such as account activity and history.
Get your paycheck up to 2 days early with direct deposit²
Over 47,000 fee-free ATMs³
¹SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Visa® Credit Card.
Qualifying members will be allowed to overdraw their Chime Checking Account up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions and fees associated with OTC cash withdrawals. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
²Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
³Out-of-network ATM withdrawal and over the counter advance fees may apply except at FCTI® ATMs in a 7-Eleven® or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
I used to like Chime until they denied $40 worth of Panda Express charges that were done fraudulently! I sent them a screenshot of 6 transactions done at Panda with my card and another family member's card, all in one day and in another county, like 6 hours away from me! They reopened my claim 3 times and denied it each time! But this last time, they sent me another Chime customer's private information by mistake, so now I feel very unsafe being a customer with them! Do better, Chime, especially over $40 of unauthorized charges! Spoke with Angelo, the supervisor, and he just kept repeating himself to me as if I didn't understand, so get better agents there too! What a joke.
I received a call from Chime Bank on 7/24/25 at 5:24 PM from the same 844-244-6363 number listed on the back of my card. The call lasted 16 minutes. They wanted to confirm recent fraudulent activity. Since the number matched and the representative was able to confirm all my information, I confirmed the fraudulent activity (as I had not used my card in either location) and we activated a new virtual card number through the Chime App. I was asked to transfer my balance of over $200 to this new virtual card. I was provided a case number. Once I had done that, my balance was nowhere to be found. I immediately contacted Chime at 5:41 PM and 5:47 PM and was disconnected twice after going through the prompts. At 5:47 PM, I reached a representative and was on the phone for 31 minutes. I was sent to three different representatives who all asked the same questions regarding what had happened and kept transferring me to the "fraud department". I requested a new debit card and a credit builder card. I have not received either.
Eventually, I received an email confirming the dispute with a dispute number on 7/24/25 at 6:01 PM and then an email on 7/25/25 at 9:44 PM stating "Based on our investigation, we have concluded no error occurred." I contacted Chime again on 7/26/25 at 8:11 AM and submitted evidence of the initial call (incoming) received from a Chime representative and my subsequent follow-ups (outgoing) and reopened my dispute and was provided a claim number. On 7/31/25 at 8:16 AM, I received an email stating "Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed." They had both disputes listed as "Dispute Type: Pay Friends - Unauthorized Transfer" which is inaccurate. This was fraudulent, and I am concerned I was scammed by an internal representative. I had been a member since 2023, but have since closed my account and will no longer do business with Chime.
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