Chime Review 2023: Free Banking Services

Karn Arya
5 Min Read
Chime Review Free Bank Services

Chime is a digital platform designed to make your daily financial life easier. It was founded in 2013. Chime isn’t a bank. It’s a financial technology company offering banking services through other partner financial institutions. In this article we share complete information about chime review, chime bank, credit card, cons and prons.

Chime also offers the Chime card, to make spending and withdrawals just as easy as if you had a regular bank account.

Chime Accounts

Chime offers three accounts that can help you manage your money in different ways. The first is the Spending Account, which you need to open first. The second is the Savings Account where you can earn returns on your cash. The third is the Chime Credit Builder account, which helps you level up your credit score. 

Let’s take a closer look at some of the Chime accounts on offer to learn more.

1. Chime Spending Account and Visa Debit Card

The Chime Spending Account comes with a debit card, doesn’t charge any fees or have a minimum balance requirement and it takes less than 2 minutes. 

2. Chime Saving Account

Chime offers a saving account that some say is one of the best online savings accounts. This account can only be opened by customers with an active Spending Account. This account offers users a 0.5% APY on their money.

Once again, there are no monthly fees associated with the account, and no minimum balance is required to use it.

3. Chime Credit Builder Card

Chime also offers a Chime Credit Builder Visa® Secured Credit Card option. Credit Builder offers features that help you stay on top of key factors that impact your credit score.

Chime Credit Builder

It’s great for someone who’s never had a credit card before, like a college student or someone who’s looking to repair their credit score.

You’ll have to transfer funds from the Chime Spending Account to the card before you can use it, as that’s what sets your spending limit.

How Do I Contact Chime?

The company offers 24/7 live chat and email support at [email protected]. You can also get in touch with them by phone at 844-244-6363. Their phone specialists are available Monday-Sunday, 3 AM to 11 PM (CST). If you’re going to choose an online bank, phone support is a pretty big deal as you won’t have the option to get in-person assistance at a local branch.

Chime pros and cons


  • No monthly fees, overdraft fees or minimum balance required 
  • Great savings options, pays high interest
  • Get paid early via direct deposit


  • Only available to US residents 
  • Cannot use a debit card to top up, deposit money to the card
  • Customer service is not always helpful

FAQ – Chime Review Banking

Here are some common questions about Chime Review:

1. What is Chime?

Chime is a mobile app based bank that has a free checking account and more features – all on your phone.

2. Is Chime Bank legitimate?

Chime offers online-only banking services in partnership with two banks that are FDIC insured, so it’s safe to say Chime is legitimate – and your money is as secure there as it would be in any regular bank.

3. What is a Chime card?

Chime card is a Visa debit card that comes with a Chime Spending Account. 

4. What is required to open a Chime account?

You need to provide your Social Security number, home address and be a U.S. citizen or resident. You must be at least 18 years old.

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