Chime Checking Account Review

Chime Checking Account is offered by Chime, a nonbank financial services provider founded in 2012 and based in Wilmington, DE. It is made possible by a bank partnership with The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Chime Checking Account is available in 50 states (and Washington, DC).

• Low APY. The maximum annual percentage yield for this account is only 0.01%.
• $0 monthly fee. This account does not charge a monthly Service Charge.
• No minimum initial deposit. There is no minimum balance required to open an account.
• No ATM fees. Chime Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $2.50 for out-of-network ATM transactions.
• Bill pay. Pay your bills to practically anyone in the United States through Chime.
• Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
• Soft credit pull. This bank will not perform a hard credit pull when you open a checking account.

Are checking accounts from Chime federally insured?

Yes, your Chime checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Chime checking account offer?

Chime checking account offers an APY of 0.01% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Chime checking account?

Chime checking account does not require a minimum initial deposit.

What fees does Chime checking account charge?

The good news is that this account does not have a monthly Service Charge.

Does Chime checking account charge overdraft fees?

What features and perks does Chime checking account offer?

This account includes the following features:

• Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
• Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
• Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
• Mobile Banking Services - Chime checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
• Nationwide ATM network - Conveniently transact at a nearby ATM.
• Soft credit pull - Chime checking account performs a soft credit pull so you can check whether you qualify without hurting your credit.

What is the customer support email for Chime checking account?

The customer support email for Chime checking account is support@chime.com.

How do people rate the customer service and user experience of Chime checking account?

Overall, Chime checking account is strongly recommended based on community reviews that rate customer service and user experience.