What features does chime offer?

Chime is a financial software company, so it makes sense that it is feature-rich relative to traditional banks. Here are the notable features Chime offers. SpotMe®: In most cases, if you try to charge an amount that exceeds your account balance, Chime will simply decline the charge. That’s in line with Clark’s philosophy on overdraft protection.

Is Chime a legit bank?

Let’s start there. Chime isn’t a bank in the traditional sense. It’s a financial technology firm which offers banking services. It’s still covered by FDIC insurance, so it’s safe to say Chime is legitimate - and your money is as secure there as it would be in any regular bank.

Is Chime a good app?

At the time of writing, the Chime mobile app gets a good 4.6/5 rating on Google Play¹² and an even more impressive 4.8/5 over at Apple¹³. From within the app you can see your account balance, manage your card, check spending and more. This is the most convenient way to manage your money if you decide to open a Chime account.

Is chime right for You?

It may be for you if you’re comfortable managing your money online and getting support via your app or online banking service. It’s worth noting, Chime only allows customers to hold funds in US dollars, and international ATM withdrawals may mean more fees.