Chime Bank Spending Account

in Checking Accounts from Chime Bank

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Chime Bank Spending Account


in Checking Accounts from Chime Bank

SuperMoney Net Recommendation Score +53% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly recommended

25 users recommend
2 users are unsure
7 users don't recommend
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Community Rating Strongly recommended
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: Out-of-Network $2.50
APY 0.01%
Number of Reviews 34

Chime Bank Spending Account Review

Where is Chime Bank Spending Account available?

Chime Bank is based in Wilmington, DE. It was founded in 2012 and offers banking services in 50 states (and Washington, DC).

Is Chime Bank Spending Account insured by the FDIC

Deposits in Chime Bank Spending Account are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC insures deposits in checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts up to $250,000 per depositor.

What APY does Chime Bank offer?

Chime Bank Spending Account Rates and Terms
Rates Amount
APY 0.01%

Chime Bank Spending Account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Chime Bank Spending Account?

Chime Bank Spending Account does not require a minimum initial deposit.
Chime Bank Spending Account Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does Chime Bank Spending Account charge?

The good news is that this account does not charge a monthly maintenance fee.

Chime Bank Spending Account Fees
Fees Amount
ATM Out-Of-Network Fee $2.50

What features and perks does Chime Bank Spending Account offer?

This account includes the following features:

  • Automatic savings - Set up an automatic transfer from your checking account to a savings account and you'll never have to second-guess your saving decisions again.
  • Check images with statement - Reconciiling your accounts ank complying with document retention standards is easier when you have access to a copy of your checks.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Get paid early - If you fund your account with a payroll direct deposit and request this service, you can collect your salary early.
  • Mobile Banking Services - Chime Bank Spending Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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  • Headquarters
  •   409 Silverside Road
    Wilmington, DE 19809
  •   Visit Site

Message from Chime Bank

Chime, the leader in the U.S. challenger banking segment, helps members avoid bank fees, save money automatically, and lead healthier financial lives. Chime members receive a Chime Visa debit card, a Spending Account, a Savings Account, and a powerful mobile app that keeps members in control. The Chime mobile app is available for iPhone and Android devices and has been featured as one of the best Money Management apps in the App Store.

Other Services by Chime Bank


Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Monthly Fee $0
Paper Statement Fee $0
ATM Fee: In-Network $0
NSF Fee $0
Overdraft Protection Fee (per transfer) $0
Overdraft Item Fee $0
Early Account Closure $0
Returned Deposit Fee (Domestic) $0
Debit Card Replacement Fee $0
Online Bill Pay Fee $0
Stop Payment Fee $0
Foreign Transaction Fee (Debit Card) 0%
Wire Transfer Fee - Domestic (Outgoing) $0
Wire Transfer Fee - International (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $0
Wire Transfer Fee - Domestic (Incoming) $0
ATM Fee: Out-of-Network $2.50
Bank Account Features
  • Automatic Savings
  • Bauer Financial A+/A Rating
  • Check Images with Statement
  • Debit Card
  • Fraud Protection
  • Free Bill Pay
  • Get Paid Early
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • No ATM Fees
  • No Monthly Maintenance Fee
APY 0.01%

Chime Bank Spending Account Community Reviews


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