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Is Chime a good checking account?

What Chime checking costs and pays, read from the bank's own page. Use Compare below to see it next to another bank.

The facts: monthly fee $0, minimum to open $0, APY No checking APY stated.

Account

Chime Checking

Minimum balance

$0

ATMs

47,000+ fee-free ATMs; out-of-network fees may apply

Overdraft

No overdraft fees; SpotMe fee-free overdraft up to $200 if eligible

Source

bank page (2026-10-12)

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More rates

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FAQ

Does Chime checking have fees?

Monthly fee: $0; overdraft: No overdraft fees; SpotMe fee-free overdraft up to $200 if eligible (per the bank's page, 2026-10-12).

Where do these rates come from?

Each rate is read from the bank's own public page on the date shown and linked. Rates change often: confirm on the bank's site before opening. Not financial advice.

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.