Chime is an award winning financial app and debit card service. Getting the Chime app allows you to manage your finances on-the-go! Chime offers plenty of benefits, including a network of over 50,000 fee-free ATMs and SpotMe, an overdraft protection with no fees. It also offers direct deposit and a Visa credit card that allows you to increase your credit with no interest, annual fees or credit check to apply.