Two great cards at the same Chime
Help build credit, get paid early^, overdraft up to $200* and more—without fees.
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To apply for Credit Builder, you must have an active Chime® Checking Account.
Debit Card
Sign up in 2 minutes
Unlock these features, when you open a Chime Checking Account and set up direct deposit:
- Fee-free overdraft up to $200*
- Paydays up to 2 days early^
- No monthly fees, late fees, or minimum balances
- …and more!
Debit Card + Credit Builder
Upgrade your account with Credit Builder
Start improving your credit score by 30 points2 on average with regular, on-time payments:
- Help build credit with everday purchases3
- No annual fees, interest, or minimum security deposit4
- No credit check to apply
Safe, secure & trusted by millions
Your funds are FDIC insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC† and we keep your money safe and secure with periodic security tests of our systems.
We're changing the way you feel about money
Make the switch today
FAQs
What is Chime®?
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees~, gets you your paycheck up to 2 days early with direct deposit^, and helps you grow your savings automatically. When you open a bank account through Chime, you get a Visa® Debit Card and a Checking Account that can be managed entirely from your smartphone, plus an optional Savings Account that can help you grow your savings automatically! The Chime mobile banking app is available on both Android and iOS.
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.†
What is Chime's mission?
Our mission is to unite everyday people to Unlock Financial Progress™. We’re doing that by changing the way people feel about banking. Chime’s business was built on the principle of protecting our members and making managing your money easy. We’ll never profit from your misfortune or mistakes and everything we build is focused on improving our member’s lives.
Who can use Chime?
U.S. Citizen or legal resident of the United States 18 years and older are welcome to apply! While Chime cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.
How does Chime make money?
Chime makes money from the interchange fee charged on card transactions. Every time you use your Chime Visa® Debit Card or Credit Builder Secured Credit Card for purchases and paying bills, Visa processes the transaction and charges an interchange fee to merchants for the service. Chime receives a portion of this fee. This is how Chime can continue building new and better products that help members get the most from their money.
When do I receive my Chime Visa® Debit Card after I open a Chime Checking Account?
After you open a Checking Account, we get started on personalizing your new Chime Visa Debit Card. Your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you open your Checking Account. It can take 5 to 10 business days for your Chime Visa Debit Card to arrive at your home address.
If you don’t have your Chime Visa Debit Card within 10 business days after opening your Checking Account, please contact our Member Services team at 1-844-244-6363.
Does Chime charge any fees?
We have no fees to sign up, no overdraft, no monthly service fees, no minimum balance fees, and no card replacement fees either. We do charge two fees. (1) $2.50 when you get cash from either an over the counter withdrawal, or an out-of-network ATM that is not part of Chime’s fee-free network of 50,000+ ATMs. $2 to receive funds instantly through MyPay®.
Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM. You can access your money at 50,000+ in-network fee-free ATMs.
How many ATMs accept the Chime debit card?
You can get cash at more than 50,000+ fee-free ATMs* – more than the top 3 national banks combined¹! Including ATMs at popular retail stores like Walgreens®, CVS®, 7-Eleven®, Circle K®, and Target®.
Get fee-free transactions at any Moneypass® ATM in a 7-Eleven location and at any Allpoint® or Visa® Plus Alliance® ATM. Otherwise, out-of-network ATM withdrawal fees may apply.
Will I ever be charged an overdraft fee through Chime?
No. If you don’t have sufficient funds in your Chime Checking Account or have reached your SpotMe limit (if enrolled), your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.
What do I need to apply for a Credit Builder?
All you need is a Chime Checking Account.
Don’t have a Chime Checking Account? Apply for one in under two minutes!
Will it require a hard credit check to apply?
No way! We think everyone deserves a chance to build credit, so we don’t check your credit score when you apply.
Do I need to have a Chime Checking Account to use Credit Builder?
Yes. We designed Credit Builder to work with the Chime Checking Account so that you can move money instantly—across your Chime accounts!
How can Credit Builder help my credit score?
Credit Builder offers features that help you stay on top of key factors that impact your credit scores. Consistent use of Credit Builder can help you build credit and, with on-time payments, increase the length of your credit history over time. We report to the major credit bureaus – TransUnion®, Experian®, and Equifax®.
Learn more about credit building with Credit Builder.