America’s #1 Choice for Banking
Chime is a fintech, not a bank. Optional services and products may have fees or charges. #1 ranking based on Chime survey.
Chime is a fintech, not a bank. Optional services and products may have fees or charges. #1 ranking based on Chime survey.
Fee-free banking1 with no minimum balance.
47K fee-free ATMs.2
Overdraft up to $200 fee-free.3
5% cash back4 with Chime Prime or 2% with Chime Plus for free with direct deposit.
Select a category (gas, utilities, groceries, and more).
Earn on everyday purchases with Chime Card.
No credit check required with Chime Card.
No interest5 or annual fees.
Manage, protect, and grow your credit score up to 70 points.
Access up to $500 of your pay when you say.8
Get your paycheck up to two days early9 with direct deposit.
No mandatory fees and no interest.10
Real time alerts.
Talk to a real human 24/7.
Protected by Visa‘s Zero Liability Policy.11
“The best bank I have ever had. The customer service is pretty good, they usually get in touch in a timely manner. I lost my debit card, and they sent a new card within a few days.”
“I love this banking app! No fees for overdraft, I get paid 2 days earlier. If I could give it more than 5 stars, I would.”
“I absolutely love all Chime offers me as a Chime+ member! I receive my check two days early, who wouldn’t appreciate that? My Pay? I can access my pay early, which is super helpful for emergency situations. No overdraft fees thanks to Spot Me and it’s all so easy and hassle free.”
“Awesome Spot Me that lets you overdraft without the worry of any hidden fees. My credit score went from a 610 to 755 in a year.”
Download now to get started.
CHIME MEMBERS
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The secured Chime Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).
Chime Checkbook: While Chime doesn't issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank's Deposit Account Agreement for full Chime Checkbook details.
Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).
Tax e-file services provided by April Tax Solutions Inc. (“april”).
These tax filing offers are not endorsed or offered by our partners, The Bancorp Bank, N.A. or Stride Bank, N.A.
Third-party trademarks referenced for informational purposes only; no endorsements implied. All third-party publication logos are trademarks of their respective owners and are used under license.
Chime 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. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.
Chime is recommended by more of its users in the 2024 Qualtrics® NPS study when compared to top national banks and select fintechs. THE #1 MOST LOVED BANKING APP is a Registered Trademark of Chime Financial, Inc.
Nerdwallet, 2024 and 2026 Checking and 2025 Overdrafts. Affiliate partner. ©2017-2026 and TM, NerdWallet, Inc. All Rights Reserved.
Ranking according to the Federal Reserve Statistical Release based on domestic assets; number of ATMs self-reported by Chase, Bank of America and Wells Fargo - June 2025.
Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.
Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752
Note: Not all State Agencies issue copies of their licenses. To view the full list of registered licenses, please visit www.nmlsconsumeraccess.org and search for Chime Capital LLC and Chime Payments, Inc.
Chime
P.O. Box 417
San Francisco, CA 94104-0417
Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.
No customer support available at HQ. Customer support details available on the website.
© 2013-2026 Chime Financial, Inc. All rights reserved.
Chime is a fintech, not a bank. Banking services are provided by our bank partners.
Unlock Chime Prime with qualifying direct deposits and get 5% cash back, 3.75% APY on Savings, and grow your credit up to 70 pts.
FDIC Insured via Partner Banks§
Backed by Visa’s Zero Liability Policy11
Protection against fraudulent charges
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.
