The #1 most loved banking app

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

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!3

Chime online banking no fees

Say goodbye to monthly fees

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.

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.

Make your money grow fast

2.00% Annual Percentage Yield (APY).8 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

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, email, in the app, or check out the Help Center.

Get started

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

Learn how we collect and use your information by visiting our Privacy Notice

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.

#1 Most Loved Banking App Source: Chime received the highest 2022 Qualtrics® NPS score.

1 Out of network ATM withdrawal fees may apply. See here for details.

2 SpotMe® on Credit is an optional, no interest / no fee overdraft line of credit tied to the Secured Deposit Account available to qualifying members with an active Chime Credit Builder Account. SpotMe on Debit is an optional, no fee overdraft service attached to the Chime Checking Account available to qualifying members after Visa debit card activation. Both SpotMe on Credit and SpotMe on Debit are sometimes collectively referred to as "SpotMe" or, if you have signed up to use SpotMe with only one account, "SpotMe" means the elected service. To qualify for SpotMe, you must receive $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 Secured Deposit Account (associated with your Chime Credit Builder credit card) up to $20, but may be later eligible for a higher limit of up to $200 or more based on Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe Debit Terms and Conditions and SpotMe on Credit 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 2020 and October 2020 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.

Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451

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