Looks like you’re looking for Chime.com
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.
Over 1 million 5-star reviews
Real Chime reviews from real people.
Discover what our members love so much about banking through Chime, the #1 Most Loved Banking App.¹
Learn how we collect and use your information by visiting our Privacy Notice
“This is the safest secured card for building credit²”
“Chime, the largest digital-only financial provider in the U.S., has capitalized on distrust of traditional banks and their slowness to digitize.”
“It lets customers overdraw their accounts by up to $200 for free and offers a secured credit card (a plus for those with limited or poor credit histories).”
Over 1 million
5-star reviews.
Hear what other Chime members are saying.
“I love the Chime Community, and banking through Chime is easy and stress-free.”
-Dayshia B.
“One of the most refreshing aspects of Chime is its commitment to transparency. I haven’t been charged for overdrafts, monthly maintenance, or foreign transactions. This alone has saved me a significant amount of money compared to traditional banks.”
-Kristofer C.
“Chime has changed the game for me! My paychecks come early, SpotMe³ on Credit Builder gives me the ability to have extra funds for emergency and my credit has improved 20 points!!”⁴
-Cheyenne B.
“Chime came along when I could not open a traditional bank account. Shortly after having my Chime account, I no longer desired a traditional account. The joy and peace of mind Chime has brought me is immeasurable.”
-Jacqueline S.
“I’ve been through 4 different banks, and I have not been more satisfied than what I am with Chime… Chime is the absolute best!”
-Crystal E.
“Chime makes you feel financially empowered without needing to have thousands of dollars in your account or a spotless credit/banking history. I absolutely love my Chime accounts!”
-Rishona C.
“I choose Chime because it’s a no-brainer! Chime has helped me raise my credit score & has helped me get better at budgeting.”
-Briana S.
“I choose Chime for the fact that I’ve never been good with online banking. Chime has made it so easy to stay in charge of my own money.”
-Ronald L.
Say goodbye to overdraft fees.
When you use SpotMe®, we can spot you up to $200³ on debit card transactions and cash withdrawals from your Chime Visa® Debit Card fee-free. We’ll simply apply your next deposit to your negative balance. SpotMe is also now available on Credit Builder³.
More than a savings account.
Tired of putting money into your savings account and getting basically nothing back in return? Chime offers 2.00% Annual Percentage Yield (APY)⁵ (4.7x more than the national average!⁶) on high-yield savings accounts.
50,000+ fee-free ATMs⁷.
You can easily find fee-free ATMs⁷ at places like Walgreens®, 7-Eleven®, Target®, Circle K, and CVS Pharmacy®.
Take the first step on a new financial journey.
You’ve read our Chime reviews. Our members love us, and so will you! Join the millions already using Chime for building credit, fee-free overdrafts, getting paid early, and more.
FAQs
What is Chime?
Chime is a financial technology company that makes it easy for members to handle their finances. Using our unique features, you can get your paycheck up to 2 days early⁸ with direct deposit, overdraft up to $200³ fee-free, send money to anyone, save money automatically⁹, and more. Still have questions? Find answers.
Is Chime a bank?
No. 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.
How can I open a bank account through Chime?
By just signing up! You’ll need to provide your personal information and download the Chime app. Then, you’ll be well on your way. It’s that easy.