Banking that has your back

Fee-free overdraft up to $100.¹ Get paid up to 2 days early with direct deposit.² Grow your savings.

Chime is a financial technology company. Banking services provided by
The Bancorp Bank or Stride Bank, N.A.; Members FDIC
Chime Online Banking App and Debit Card
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Overdraft fee-free with SpotMe

We’ll spot you up to $100 on debit card purchases with no overdraft fees. Eligibility requirements apply.¹

Chime online banking get paid early

Get paid early

Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!²

Chime online banking no fees

Say goodbye to hidden fees³

No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 38,000+ fee-free MoneyPass® and Visa Plus Alliance ATMs. Out-of-network fees apply.

Make your money grow fast

1.00% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.

Chime online banking app notifications

Stay in control with alerts

You’re always in-the-know with daily balance notifications and transaction alerts

Security & support you can trust

Chime online banking security

Serious security

Chime uses secure processes to protect your information and help prevent unauthorized use

Privacy and protection

Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank N.A.; Members FDIC

Friendly support

Have questions? Send a message to our Member Services team in the app or check out the Help Center.

Chime best bank account review

Get started

Applying for an account is free and takes less than 2 minutes.
It won’t affect your credit score!

Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

Please note: By clicking on some of the links above, you will leave the Chime website and be directed to an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing and personal information.

¹ SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH Transfers, Pay Friends transfers, or Chime Checkbook transactions. Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. See terms and conditions
² Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
³ Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
⁴The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of June 18th, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

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