With SpotMe, qualifying members can overdraft up to $200 without incurring a fee.

Overdraft protection: Chime has a special program they named SpotMe® to help you with accidental overdrafts that other financial institutions might charge you a lot for.No overdraft fees, no monthly maintenance fees, no monthly service fees, no minimum balance fees, no foreign transaction fees, and over 60,000 fee-free ATMs. So with Chime there are basically no fees at all. No monthly fees: There are a lot of bank fees you should never pay.Chime makes your money available as soon as your employer deposits it. How? Employers often deposit your money up to two days before it’s made available to you in most accounts. Get your paycheck early: Chime members who set up direct deposit are automatically eligible to receive their paycheck up to two days early.Learn more in our Secured Chime Credit Builder Visa ® Credit Card review. Chime doesn't report credit utilization, so you don't have to worry about high utilization hurting your credit score. 14Ĭhime reports your payments to the major credit bureaus. You can also use the money you moved to pay your balance by turning on Chime's Safer Credit Building feature. The amount you move is what you can spend. The way it works is that you move money from your Checking Account to your Credit Builder account. The Credit Builder card is designed to help you improve your credit through on-time payments.

It has a $0 annual fee and you don't need a credit check to apply. To qualify for the card, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within the past 365 days. Secured Chime Credit Builder Visa ® Credit CardĬhime also offers a Secured Chime Credit Builder Visa ® Credit Card. Up to six withdrawals per statement cycle by transferring money to your Checking Account No limit on number of transactions however, all transactions are subject to the $2,500 maximum amount that can be spent on the card per day. Transactions are free at over 60,000 ATMs. Yes, up to $500 of ATM withdrawals per day with a $2.50 fee per transaction. Banking services and debit card provided by The Bancorp Bank N.A. *Chime is a financial technology company, not a bank.

How to withdraw money from a Chime account.

Secured Chime Credit Builder Visa ® Credit Card.

Chime reviews direct deposit