Overdraft fee-free with SpotMe®.
We’ll spot you up to $200 on debit card purchases with no overdraft fees. Eligibility requirements apply.2
Get paid
when you say.™
Life doesn’t wait for payday, and you shouldn’t have to either. Get up to $5003 of your pay before payday. Finally, you’re in control. There’s no interest4. No credit check. No mandatory fees.
Get paid early.
Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!5
e No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 50,000+ fee-free ATMs6 at stores you love, like Walgreens®, CVS®, 7-Eleven®, and Circle K. Out-of-network fees apply.
A new way to build credit.
Help increase your FICO Score® by an average of 30 points with our new secured credit card.7 No interest, no annual fees, no credit check to apply. Eligibility requirements apply.8
Unlock Chime+ for free with direct deposit.
When you move your qualifying direct deposit to Chime, you’ll get access to so much more with Chime+‡.
Better banking on day one.
Get started with a secure Checking Account with no monthly fees.
- No minimum balance or monthly fees.
- 50,000+ fee-free ATMs.6
- Increase your credit scores an average of 30 pts with on-time payments.7
Level up to more
—for free.
Higher savings and better benefits for financial progress. Unlock Chime+ when you set up a qualifying direct deposit.
- 3.75% APY10 on a high-yield savings account.
- Up to $5003 of your pay before payday.
- Up to $2002 fee-free overdraft coverage.
Pay Anyone the fast, fee-free way.
Pay friends and family fee-free, no matter what bank account they use. They can cash out instantly9 and securely, no sign-up needed.
w fast. 1.25% Annual Percentage Yield (APY).10 Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.
Make fee-free
cash deposits11 at Walgreens®.
Deposit cash fee-free, exclusively at Walgreens®. Walk right up to the counter at over 8,000 convenient locations, more than any bank in the US.
Stay in control with alerts.
You’re always in-the-know with balance notifications and transaction alerts.
Security & support you can trust.
Security & support you can trust.
Serious security
Chime uses secure processes to protect your information and help prevent unauthorized use.
Protection and peace of mind
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.†
Anytime, anywhere support
If you need help, Chime’s support channels are standing by 24/7. Reach our friendly team by phone, in the app, or check out the Help Center.
Learn more
Get started.
Applying for an account is free and takes less than 2 minutes. It won’t affect your credit score!