In our
Community.
A closer look at our members’ communities and how we support them.
A closer look at our members’ communities and how we support them.
At Chime, our mission is to help everyday people Unlock Financial Progress™. To do that, we create helpful and easy-to-use products that help our members move forward.
But financial services are just one piece of the puzzle. To ignite and sustain long-lasting change for the people we serve, we invest heavily in improving our industry, empowering individuals, strengthening communities, stepping in when our members need us most, and fostering a culture of giving back.
We’re honored to be The Most Loved Banking App®, and we’re even prouder of our positive impact on our communities.
Innovative banking tools and services
To earn our members’ loyalty, we obsess over their needs and build innovative products that meet them. We’ve helped our members access $30B in fee-free overdraft through SpotMe1 and raise their credit scores an average of 30 points.2
Basic banking without monthly fees.
We were one of the first to partner with banks to provide checking and high-yield savings without any monthly fees or minimum balance fees, which helped push more industry players to do the same.
Helping members
build credit3 —without the barriers.
With no credit check required, Chime secured credit cards can help members increase their credit scores by an average of 30 points2 —while earning up to 5% cash back on a category of choice with a qualifying direct deposit4.
Financial flexibility.
When members are in a crunch, they can rely on SpotMe® fee-free overdraft to “spot” them up to $200.1 And through MyPay® members can access up to $500 of their pay before payday.5
In-app, online, and in our communities
To empower individuals, we provide extensive financial education tools and resources—with the goal of reaching 10 million people by 2027. That Feels like Progress™.
In-app financial education.
We provide engaging, best-in-class financial education content directly into our app, so every Chime member can use it.
Free comprehensive resources.
Open to anyone, our In the Green® blog provides helpful, in-depth information on everything from banking basics and credit building to smart budgeting.
Local events.
Throughout the U.S., we host in-person events to help members and non-members alike learn how to manage their money to achieve their goals.
Powerful partnerships.
Through Chime’s partnership with Zogo®, anyone can access bite-sized, fun lessons and earn real rewards for learning about financial wellness. Learn more about the partnership here.
Chime Scholars Foundation®
To help everyday Americans achieve their big dreams, we’ve joined the Pledge 1% Coalition, committing 1% of our total equity to fund college, apprenticeship, and trade school scholarships.
About CSF.
Through the Chime Scholars Foundation (CSF), we’re helping the next generation of learners move into higher-paying careers and build more financially stable lives.
Meet the Scholars.
We welcome nontraditional students, like those who are mid-career, single parents, community college transfers, part-time or returning, and those from low-income or marginalized communities.
Apply to join.
Learn more about the process and timeline for this year’s application.
Support and career opportunities for Chime members
To keep our members and their communities on the path to progress, we step in to help when the unexpected hits and provide job training, counseling, and career growth opportunities.
Having our
members’ backs.
If a Chime member misses a direct deposit or a bill, we’ll check in to make sure they’re doing okay—and see if we can help.
Disaster recovery
and support.
When a natural disaster hits, Chime members can get home rebuilding assistance, help navigating insurance claims, and more through our partnership with SBP®.
Job training.
By partnering with organizations that are driving nontraditional pathways to higher-income jobs, we’re creating new jobs and paths to professional growth. That Feels like Progress™.
Career opportunities with Chime partners.
By connecting Chime members with opportunities in our broader partner network, we help members reach their earnings goals.
Investment in local innovators
To strengthen communities, we invest in visionary up-and-coming entrepreneurs and innovators throughout the U.S. through our Chime Community Changemakers® program, giving them the funds, mentorship, and support they need to make a difference.
Josue De Paz, founder of First Tech Fund.
First Tech Fund equips underserved students in urban areas for lifelong success through careers in tech by providing tech upskilling, access to technology, networking, mentorships, and more.
Taylor Toynes, founder of For Oak Cliff.
For Oak Cliff provides integral services and support across Dallas through multigenerational programming, job training, grocery giveaways, youth initiatives, and more to break the cycle of poverty.
John Roussel, founder of Colorwave.
Colorwave® is focused on bridging social capital gaps within the innovation economy by connecting underrepresented professionals with career opportunities in the venture-backed ecosystem across more than 80 cities in the US.
Hope Wollensack, founder of Georgia Resilience Opportunity Fund.
The GRO Fund builds bold, evidence-based, and community-led solutions to address poverty and narrow the racial wealth divide across metropolitan and rural areas of Georgia.
A core part of our culture
To connect with the people we serve, Chimers volunteer both individually and collectively. Last year, our employees donated 1,500 hours to the communities where we live and work.
Our volunteering commitment.
Each year, Chime employees are asked to spend 24 hours volunteering. Additionally, we combine team-building and team volunteerism as often as possible—giving back to the communities where we work, while we work.
Chimer + Chime Scholars Foundation volunteering.
Chimers take pride in our Chime Scholars and participate in career panels, career coaching sessions, resume reviews, and informational interviews to help our scholars progress toward their big dreams.
San Francisco: Farming Hope partnership.
Our partnership with San Francisco nonprofit Farming Hope has fed thousands of San Francisco families, while reducing food waste and offering job training opportunities to Apprentice Chefs.
Supporting fairness and equity
To push our industry forward, we continuously improve and evaluate our own product offerings, ensuring they’re secure, accessible, equitable, and effective.
Reducing bias; increasing access.
We’ve partnered with FairPlay® to reduce potential bias in algorithmic decision-making for Chime’s products and services.
Measuring and maximizing our economic impact.
Our impact studies provide a roadmap on how to improve our own services—and digital financial services as a whole.
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.
Chime Checkbook: 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).
APPLE and the Apple Logo are registered trademarks of Apple Inc. GOOGLE PLAY and the Google Play Logo are registered trademarks of Google LLC. Third-party trademarks referenced for informational purposes only; no endorsements implied.
MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451).
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.
© 2013-2026 Chime Financial, Inc. All rights reserved.
Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.
To apply for a Chime Card, you must also open a Chime Checking Account.
With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases. Please refer to the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for details and more information on rotating cash back categories.
To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).
SpotMe® on Credit 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. SpotMe for Credit and SpotMe on Debit share a single 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.