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Chime Checking Account Review
Our take: No fees, fee free overdraft coverage through SpotMe, early pay and 24/7 support. Chime is not a bank; deposits are held at partner banks.
Pros
- No monthly fees or minimum
- Fee free overdraft coverage with SpotMe
- 24/7 phone support and a top rated app
Cons
- $2.50 fee at out of network ATMs
- Chime is not a bank; deposits sit at partner banks
- SpotMe limits start at $20
Key facts
- Overdraft
- SpotMe covers from $20 up to $200 or more, no fees; needs $200+ in qualifying direct deposits
- Early direct deposit
- Up to 2 days early
- Cash deposits
- 92,000+ retail locations; free at Walgreens
- Partner banks
- The Bancorp Bank, N.A. (FDIC 35444) or Stride Bank, N.A. (FDIC 4091)
- Minimum to open
- $0
- Monthly fee
- No monthly fee
- ATM access
- 47,000+ fee free ATMs
- Insurance
- FDIC insured through partner banks up to $250,000 per depositor
- FDIC certificate
- 35444 and 4091 (The Bancorp Bank, N.A. and Stride Bank, N.A.)
- Who can open
- US residents 18 or older
- Mobile app
- Chime app: 4.8 on the App Store, 4.7 on Google Play (Sep 28, 2026)
- Customer service
- 844-244-6363, 24/7
Source: Chime website, checked Oct 26, 2026. Insurance details from the FDIC BankFind database.
Our verdict
Chime Checking is built for people who want no fees and a safety net. There is no monthly fee or minimum, SpotMe covers overdrafts fee free starting at $20 and up to $200 for eligible members, and paychecks can arrive up to 2 days early. Support is available by phone 24/7.
Chime is a financial technology company, not a bank. Your deposits are held at The Bancorp Bank, N.A. or Stride Bank, N.A., which are FDIC insured.
ATMs and cash
You get more than 47,000 fee free ATMs; out of network withdrawals cost $2.50. You can deposit cash at more than 92,000 retail locations, free at Walgreens, with limits of 3 deposits and $1,000 per 24 hours.
How we rated it
It earns top marks for fees, app and support, and loses points on ATM reach, the out of network fee and its nonbank structure. It scores 4.3 out of 5 on our scorecard for this category. See how we score on the comparison page and our methodology.
How Chime compares
| Account | Rating | Monthly fee | Fee free ATMs |
|---|---|---|---|
| Axos ONE Checking | 4.6 | $0 | 95,000+ |
| SoFi Checking | 4.6 | $0 | 55,000+ |
| Capital One 360 Checking | 4.5 | $0 | 70,000+ |
| Chime Checking Account | 4.3 | $0 | 47,000+ |
| U.S. Bank Smartly Checking | 3.3 | $12 | 4,000+ |
Chime checking FAQ
Is Chime a bank?
No. Chime is a financial technology company. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., both FDIC insured.
Does Chime charge overdraft fees?
No. SpotMe covers eligible overdrafts starting at $20 and up to $200 or more with no fees.
How many free ATMs does Chime have?
More than 47,000. Out of network withdrawals cost $2.50.
Ready to open Chime Checking Account?
Confirm the current rate and terms on the provider’s site before you apply.