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The #1 most loved banking app.

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 early.

Set up direct deposit and get your paycheck up to 2 days earlier than some of your co-workers!3

No overdraft. No minimum balance. No monthly fees. No foreign transaction fees. 60,000+ fee-free ATMs4 at stores you love, like Walgreens®, CVS®, 7-Eleven®, and Circle K. Out-of-network fees apply.

Credit Builder app screenshot and Visa credit card

A new way to build credit.

Help increase your FICO Score® by an average of 30 points with our new secured credit card.5 No interest, no annual fees, no credit check to apply. Eligibility requirements apply.6

Regular on-time payment history can have a positive impact on your credit score.

Pay Anyone the fast, fee-free way.

Pay friends and family fee-free, no matter what bank account they use. They can cash out instantly7 and securely, no sign-up needed.

2.00% Annual Percentage Yield (APY).8 Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.

Chime member depositing cash at Walgreens register
Chime app notification after cash deposit

Chime | Walgreens
Make fee-free
cash deposits⁹
at Walgreens®.

Deposit cash fee-free, exclusively at Walgreens®.
Walk right up to the counter at over 8,500
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.Protection and peace of mind

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!

Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

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.

By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.

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).

Third-party trademarks referenced for informational purposes only; no endorsements implied.

Chime is recommended by more of its users than that of any brand per 2023 Qualtrics® NPS score.

1 Out of network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.

2 SpotMe® for Credit Builder is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, “SpotMe”). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.

Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won't cover non card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe Terms and Conditions.

3 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.

4 Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

5 Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

6 To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

7 Sometimes instant transfers can be delayed. The recipient must use a valid debit card to claim funds. See your issuing bank’s Deposit Account Agreement for full Pay Anyone Transfers details. See Terms and Conditions

8 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 September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

9 Once the retailer accepts your cash, the funds will be transferred to your selected Chime Account. Barcode and debit card cash deposits land in the Checking Account. Credit Builder card cash deposits first go through your Card Account and then land in your Secured Account. Cash deposit fees may apply if using a retailer other than Walgreens and Duane Reade.

Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752

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.

© 2013-2024 Chime Financial, Inc. All rights reserved.