Chime Banking

Banking made awesome

Get paid up to 2 days early¹ with direct deposit and grow your savings. No hidden fees. No surprises.

Chime is one of the fastest-growing bank accounts in America

When you open a bank account online with Chime, you get a Chime Visa® Debit Card, a Spending Account, and an optional Savings Account – all managed through a beautifully designed mobile banking app.

Fee-free Overdraft with SpotMe

We’ll spot you on debit card purchases with no overdraft fees. Eligibility requirements apply.2

Get paid early

Set up direct deposit and get your paycheck up to 2 days earlier than your co-workers!¹

No Fee Banking

Say goodbye to hidden fees

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

Chime High Yield Savings Interest Rate

Make your money grow faster

Earn 1.60% Annual Percentage Yield (APY)3. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.

Stay in control with alerts

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

What our members are saying

"The best online bank account! "

Chime is the bomb !!! Very secure and problem free. I highly recommend this bank account!! The service is above the rest. Excellent customer service and support!! You can save money easily with their round up to your savings account!! Try them! I guarantee you'll love them!

hotironmaiden, App Store Review


With Chime you get updates via notifications every time you spend, you get PAID TWO DAYS EARLY, and they never let you overdraft.

Grace S, App Store Review

"Best App & Best Bank Account"

Amazing. The best part about this app is that I get paid two days early. My coworkers didn’t believe me when I told them!

Gr8ness25, App Store Review

"Best bank account I've ever had"

I love the savings account, the roundups, and the 10% savings from each check. Chime is the best bank account ever I swear!

Bryan, App Store Review

"I love it"

Mobile banking really is coming to life in the future. This app helps me save money from round up feature and the 10% of paycheck earnings deposited to my checking account .

OffRadarr, App Store Review

"Absolutely love Chime"

I absolutely love Chime. I like getting my paycheck 2 days early, like not paying any fees, like the taking a percentage out of my check and putting in my saving along with the roundup feature. Out of the few debit cards I’ve tried, Chime is by far the best.

Karnehm, App Store Review

"Great app and online bank"

Great app and online bank, easy to use plus it helps me save money. Alerts are right on time and all my transactions are right there. My direct deposits are on time as usual. Would highly recommend.

Blessed Kingz, Play Store Review

"The best online bank period."

The best online bank period. Easy to use and simple wow love it

Roland Cain, Play Store Review

"I love chime"

I love chime, by far the best online account of ever had. They have so many cool and useful features. Me and Chime go way back like Cadillac seats 😎💳💰🏦🏧🚗💺

Jon Proffitt, Play Store Review

"Great online bank"

Chime is a great online bank. Has tools to save automatically, and the app is beautifully designed. No problems so far and it's my main bank.

Hector Garza, Play Store Review

Security you can trust. Support when you need it.

Serious Security

Chime uses bank-level security to protect your sensitive information and prevent authorized use.

Privacy and Protection

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

Friendly Support

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

Get Started Today

Applying for an account is free and takes less than
2 minutes with no impact to 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 any personal information.

¹ Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically.  Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.
² Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.
³ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of Feb 18th, 2020. No minimum balance required. Must have $0.01 in savings to earn interest.

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