San Francisco, CA – September 27, 2025 – In a world where traditional banking often feels outdated and fee-laden, Chime continues to lead the charge as a fintech powerhouse, delivering seamless, fee-free mobile banking to millions. Founded in 2012 by Chris Britt and Ryan King, Chime has grown from a startup featured on Dr. Phil to a public company with over 20 million users, emphasizing accessibility, innovation, and real financial progress. As of 2025, Chime’s app—available on Google Play and the App Store—has earned the title of the #1 most loved banking app based on 2024 Qualtrics NPS scores, proving its commitment to user-centric design.
Chime isn’t a bank; it’s a financial technology company partnering with FDIC-insured banks like The Bancorp Bank, N.A. and Stride Bank, N.A. to provide secure checking and savings accounts without the hassles of monthly fees, minimum balances, or overdraft charges. Key features include:
- SpotMe® Overdraft Protection: Get fee-free overdraft up to $200 on debit card transactions and ATM withdrawals, helping users avoid costly surprises.
- Early Direct Deposit: Access paychecks up to two days early with qualifying direct deposits, unlocking Chime+ benefits like higher savings yields.
- High-Yield Savings: Earn 3.75% APY automatically, with tools like round-ups on purchases to build savings effortlessly.
- Credit Building: The Secured Chime Credit Builder Visa® Credit Card reports on-time payments to all three credit bureaus without a credit check or hard inquiry.
Recent innovations highlight Chime’s forward momentum. In September 2025, the company rolled out a new Chime Card for Chime+ members, offering 1.5% cash back rewards on rotating categories—automatically tracked in the app—alongside exclusive perks like priority support and Chime Deals. CEO Chris Britt, during Chime’s first post-IPO earnings call on August 7, 2025, reiterated the vision: to become the largest provider of primary account relationships in the U.S., addressing core needs like spending, liquidity, and community support.
Chime’s appeal lies in its inclusivity— no credit checks or ChexSystems inquiries mean it’s ideal for those with poor banking history or credit challenges. The app’s intuitive interface supports 24/7 human support, robust security, and features like MyPay® line of credit for early wage access. As Britt noted in the IPO filing, Chime tackles the financial pain points of everyday Americans, with 81% of users now “fully banked” per FDIC surveys, thanks to tools that promote healthy habits.
Looking ahead, Chime is expanding its ecosystem with enhanced AI-driven insights for personalized budgeting and partnerships for broader financial services. Whether you’re dodging fees at 60,000+ ATMs or building credit through everyday spends, Chime empowers users to take control.
Ready to unlock financial progress? Download the Chime app today at chime.com or via your app store and set up a qualifying direct deposit to activate Chime+.
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About Chime
Chime is a financial technology company dedicated to making banking equitable and efficient. With banking services provided by FDIC members The Bancorp Bank, N.A. and Stride Bank, N.A., Chime serves millions through its award-winning mobile app. For more information, visit chime.com.
Media Contact:
Chime Financial, Inc.
Email: press@chime.com
Phone: (415) 363-8290
Note: All statistics and quotes are based on available data and trends as of September 27, 2025, and are intended for illustrative purposes.