9 Chime® Fee Questions (Quick Answers!)

Spread the love

Disclaimer: This content is not intended to be financial advice and is for informational purposes only. aTimeforCash is reader-supported. We may earn commissions if you buy through our links at no cost to you.

Chime is a favorite among many due to its no-monthly fee. Users also enjoy ChimeSpot me, preventing overdraft fees on debit card purchases.

These favorite, no-fee features of Chime have led many people to believe that it does not charge any fees. Of course, you shouldn’t think this since Chime has some fees. Still, it’s not as bad as it sounds.

We understand that you may have questions about Chime fees, and aTimeforCash is here to help! Within the following sections, you’ll find nine chime fee questions. So now, let’s dive in!

In This Post:

1) Are There Any Fees With Chime?

So, you know that Chime does not have overdraft fees, monthly fees, and minimum balance fees. Chime honors their users that they do not have any hidden fees and enjoy being open about their costs.

It sounds too good to be true, and you may think Chime doesn’t have any fees at all. Remember, Chime is a bank, and all banks have fees.

2) Does Chime Charge ATM Fees?

There is no charge if you use an ATM owned by Chime or a fee-free ATM network. However, if you use an ATM that does not meet these requirements, there will be a $2.50 ATM fee.

You’ll also run the risk of adding more charges if your ATM doesn’t meet Chime’s requirements for balance inquiries. This is because third-party operators charge the transaction fee, not Chime.

Another “ATM fee” you may run the risk of charging is an over-the-counter transaction. Again, there’s a fee of $2.50. But if you use run a transaction with a Money fee, Chime will waive the withdrawal fee and make it free.

3) Does Chime Have Monthly Fees?

No, Chime does not have monthly fees, which is why they’re so popular. It’s nice to sign up with a service that has no monthly fees associated with it. Then, when you’re down to your last dime in your account, you don’t have to worry about them charging at the wrong time of the month.

4) Does Chime Have Overdraft Fees?

In 2019, Chime set out to help those who often live paycheck-to-paycheck and barely scrape by. They could help them by allowing them to overdraw without paying a fee. You may know this as Chime SpotMe.

Users could overdraw below 100 dollars in some cases without incurring an overdraft fee. Of course, you do have to meet specific requirements to be able to overdraft this amount.

When their paycheck hits their account again, Chime covers the overdraft by taking care of the negative balance. Chime also asks you to help out a little when you get paid again by donating to help other Chime users.

I mean, “why not help them out!” Time is hard, and we must help out our neighborhoods.

5) Does Chime Charge International Fees?

For international transactions, Chime does not charge a fee. The Chime card is free to use at any ATM connected to the Visa network. A transaction fee may apply to transactions outside the Visa network.

6) Does Chime Charge Transaction Fees?

Let’s discuss what a transaction fee is before I give you the answer. Every time a business processes a customer’s payment, it has to pay a transaction fee.

Your payment processor may charge a percentage fee of the transfer amount or a fixed amount. Often businesses do this to find another way to charge you a fee for the bank’s operations.

Now, does chime charge transaction fees? Luckily for their uses, no Chime does not have transaction fees.

7) Does Chime Reimburse ATM Fees?

If you’re charged an ATM fee for using an in-network ATM, Chime will reimburse you. Make sure you get on Chime’s mobile app to send a message for support if this happens to you.

If you prefer, you can send an email to support@chime.com. Then, depending on the issue, a customer service rep can credit your account for the error.

The Chime network has over 60,000 fee-free ATMs throughout the country with their ATM partners.

If you are looking for an ATM near you, go to the Chime app or use the ATM Finder online. With the finder, you won’t have to worry about the $2.50 fee, and you’ll know for sure you’re using the correct ATM.

8) Does Chime Charge Credit Builder Fees?

If you are unsure what the Chime Credit  Builder is, let me explain a bit. Chime offers you a  secure credit card that is easy to use, virtually fee-free, and designed to build credit.

The features are different than what you’re used to, but they’re designed for consumers seeking a simple way to improve their credit scores. There is no annual fee, no interest charge, and no late payment fee (since you cannot pay past due).

9) Does Chime Charge Mobile Deposit Fees?

You must meet specific requirements before you can use Mobile Deposit. Chime reviews your account and ensures you meet these requirements.

They will review any Chime accounts you may have, your direct deposit history, how much is in your account, and whether or not you are at risk. For instance, if you’ve received a direct deposit of at least $1 from payroll providers or government benefits.

When you use the mobile deposit, there’s no fee associated with it. So it is nice to use Chime and be free from the extra costs from other banks!

Wrapping Up

As you can see, Chime tries to stay true to its word and not create hidden fees in the middle of nowhere. So when you use them, you don’t have to worry about that last $5.00 in your account being taken away due to a random monthly fee.

Of course, it’s nice to have a service like this that cares about your account reaching the negatives as everyone has times when they are struggling. If you have any other questions about using Chime, you can always shoot me an email, and I’ll reach out to you as soon as I can.


  1. https://help.chime.com/hc/en-us/articles/224468768-Can-I-use-my-Chime-Visa-Debit-Card-outside-of-the-United-States-of-America-#:~:text=Chime%20does%20not%20charge%20a%20fee%20for%20international%20transactions.,app%20and%20tap%20ATM%20Map.