Chime · US Neobank (Banking by Stride Bank)

Chime Bank
statement guide

Chime Bank statementguide

Learn how to download your Chime monthly statement and categorize every transaction.

How to downloadAI categorizationCSV & Excel exportSpending insights

Get started — it's free

✓ 3 pages free · ✓ No signup · ✓ Results in 30 seconds

How it works

Two simple steps to analyze your statement

Step 1

Download your statement

Get your Chime monthly PDF from the Chime app or app.chime.com. We show you how below.

Step 2

Get AI spending breakdown

Upload the PDF — AI categorizes every debit card, ACH, and direct deposit transaction automatically.

1.Download your statement

Get your Chime monthly PDF from the Chime app or app.chime.com. We show you how below.

2.Get AI spending breakdown

Upload the PDF — AI categorizes every debit card, ACH, and direct deposit transaction automatically.

Step 1

Download your Chime statement

Chime Web

app.chime.com

Go to Settings (gear icon)

Click the Settings gear in the top navigation.

Documents → Monthly Statements → pick month

Navigate to Documents then Monthly Statements.

Download PDF

Select your month and download. No password needed.

Chime App

iOS & Android

Open Chime app → sign in

Tap Settings (gear icon, top right)

Find the gear icon in the top right corner.

Documents → Monthly Statements → select month

Navigate to Documents, then Monthly Statements.

Download PDF

Save the PDF to your device — no password required.

Fintech note: Chime is a fintech company, not a bank. Banking services are provided by Stride Bank, N.A. and The Bancorp Bank, both FDIC-insured. Chime has 22 million+ members and no physical branches.

Step 2

Now analyze your Chime statement

Upload your PDF and AI will read every transaction — debit card, ACH, direct deposit (including early direct deposit), and Chime Pay transfers.

Detected Subscriptions

$46.98/mo recurring

Netflix

MonthlyMar 15, 2026

$15.99

Spotify Premium

MonthlyMar 22, 2026

$10.99

ChatGPT Plus

MonthlyApr 1, 2026

$20.00

Spending Breakdown

February 2026

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Other

$1,511

24.1% of total spending

Housing & Rent

$2,100

33.4% of total spending

Groceries

$892

14.2% of total spending

Transportation

$645

10.3% of total spending

Total Analyzed

$6,284

AI Insights

Your grocery spending is 12% higher than last month. Consider meal planning to stay on budget.

You saved 25.6% of your income — above the recommended 20%. Great job!

Transportation costs dropped $45 from January. The new bus pass is paying off.

You have 5 active subscriptions totaling $84.96/mo. Review if all are still needed.

See your Chime spending clearly

Upload your statement — full AI analysis in 30 seconds. Free for 3 pages.

Analyze My Chime Statement →

✓ 3 pages free · ✓ No signup · ✓ 30 seconds

Pricing

Simple, transparent pricing

Free

Try it out

3 PDF pages / month
AI transaction categorization
Sankey money-flow chart
AI insights & savings tips
Financial health score
Spending calendar
CSV export

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Everything about Chime statements

PDF password

No password

PDFs open directly — no unlock needed

Statement type

Monthly PDF

Via Chime app or app.chime.com

Banking partner

Stride Bank & Bancorp

Both FDIC-insured

Is Chime a real bank?

Chime is a fintech company, not a bank. Banking services are provided by Stride Bank, N.A. and The Bancorp Bank, both FDIC-insured. Your deposits are fully protected up to $250,000. Chime functions just like a bank for everyday use — spending account, savings, debit card, direct deposit, and Zelle-equivalent transfers (Chime Pay).

Chime features worth knowing

Chime is known for early direct deposit (up to 2 days early), the Credit Builder secured credit card (no credit check), SpotMe overdraft coverage, and fee-free banking. It has 22 million+ members, making it the largest US neobank by customers. No physical branches — all via the Chime app.

Chime Credit Builder statement

The Chime Credit Builder secured credit card has a separate monthly statement from your spending account. Access it in the Chime app: Credit Builder → menu → Statements → select month. Credit Builder statements show spending, payments, and your security deposit balance.

Chime statement analysis

Chime monthly statements show debit card transactions, ACH transfers, direct deposits (including early deposits), SpotMe credits, and Chime Pay transfers. Our AI assigns each transaction to one of 19 categories and produces a Sankey money flow chart. Export to Excel or CSV in one click.

Chime statement for rental or income verification

Download monthly PDF statements from the Chime app. These are widely accepted for rental applications and income verification. The Chime statement header shows your legal name, partial account number, and the Stride Bank / Bancorp Bank branding, satisfying most verification requirements.

Chime statement FAQ

How do I download my Chime statement?+−

Open the Chime app → tap Settings (gear icon, top right) → Documents → Monthly Statements → select month → Download PDF. Via web: sign in at app.chime.com → Settings → Documents → Monthly Statements → pick month → Download.

Is Chime a real bank?+−

Chime is a financial technology company (fintech), not a bank. Banking services for Chime are provided by Stride Bank, N.A. and The Bancorp Bank — both FDIC-insured. Your deposits are fully insured up to $250,000. Chime functions exactly like a bank for everyday use, but technically the banking license belongs to Stride Bank and Bancorp Bank.

Is Chime statement PDF password protected?+−

No. Chime monthly statement PDFs open directly — no password is required.

How far back can I get Chime statements?+−

Chime provides monthly PDF statements accessible through the app and app.chime.com. For statements older than what's available in the app, contact Chime support at support.chime.com or call 1-844-244-6363.

Does Chime Credit Builder have a separate statement?+−

Yes. The Chime Credit Builder secured credit card has a separate monthly statement from your spending account. To download it: Chime app → Credit Builder → tap the menu → Statements → select month → Download. Credit Builder statements show your spending and the security deposit balance.

How do I export Chime transactions to CSV or Excel?+−

In the Chime app, go to your account → tap the three dots or settings → look for a Download or Export option. Alternatively, sign in at app.chime.com → Transaction History → Download CSV. You can also download the monthly PDF statement and upload it to mybankstatementanalysis for AI-powered transaction categorization.

Can I analyze my Chime statement with AI?+−

Yes. Download your monthly Chime PDF statement from the app or app.chime.com, then upload to mybankstatementanalysis — AI categorizes every debit card transaction, ACH transfer, direct deposit (including early direct deposit), and Chime Pay transfer automatically.

See your Chime
spending clearly — free.

Upload your PDF — AI maps every debit card and direct deposit transaction by category.

Analyze My Statement Free →