America’s #1 Choice for Banking

Chime is not a bank, but a financial technology company. We partner with The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC, which are both FDIC-insured.

Apply in minutes on chime.com or download the Chime mobile app (Google Play or Apple App Store).

You must be at least 18 years old, and you’ll need your Social Security number, email address, and a valid U.S. address.

Set Up Banking


Once approved, you can connect your existing bank account to transfer funds or set up direct deposit. You can access your account anytime via the mobile app or at chime.com.

Receive Your Virtual Debit Card


After enrollment, you can add your virtual debit card to your wallet. If you would like a physical card, you can request one in the app.


Read our blog for more information on how to open up your account through Chime, manage your money with our mobile app, and take advantage of our user-friendly features.

Chime has access to more than 47,000 fee-free ATMs² nationwide at stores like Walgreens^®, 7-Eleven^®, CVS Pharmacy^®, and Circle K. You can find Chime ATMs in the app or with the ATM Finder on Chime’s website.

Chime does not require a credit check to open an online account. We provide services that are inclusive of all Americans. This includes those who struggle with bad credit history but are still looking for checking or savings accounts they can open and use entirely online with no opening deposit required.

Chime is a financial technology company that offers banking services through two banking partners: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Because Chime partners with these banks, your funds are FDIC-insured through The Bancorp Bank, N.A., or Stride Bank, N.A.^§

When you sign up for Chime, you can easily move money into your account online. Just link an external bank account to set up a transfer. To continue to get money in your Chime account, set up direct deposit from your employer or payroll provider.



You can deposit cash¹³ into your Chime Account at over 100,000 retail locations with our cash deposit partners. The retailer that receives your cash will be responsible to transfer the funds for deposit into your Chime Account.



Still have questions? Read our full guide on how to move money into Chime.

Your funds are insured up to the standard maximum deposit insurance amount of up to $250,000 through our partner banks, Stride Bank, N.A. or The Bancorp Bank, N.A., Members FDIC.^§ Chime itself is not FDIC-insured; The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.

You can add money to your Chime Checking Account by making a fee-free cash deposit at any Walgreens location nationwide. And it’s not just Walgreens – for a fee, you can deposit cash into your Chime account at more than 85,000 retailers across the country.

You can also fund your debit card with direct deposit, mobile check deposit,¹⁴ instant transfers,¹⁵ and bank transfers, all in the mobile app.