Banking the way it should be.
No monthly fees, no minimum balance, cash back, and up to $200 in overdraft coverage.1
All the important checking perks.
Everything you want out of your banking app with no monthly fees.
Fee-free overdraft up to $2001.
SpotMe® covers any overdraft fee-free up to $200 on credit, debit and on ATM transactions.
No minimum balance or monthly fees.
Open an account with any amount, there are no fees for falling below a certain balance.
Get paid up to 2 days early2 with direct deposit.
Set up direct deposit and get your paycheck up to 2 days early.
Get Paid When You Say®.
With MyPay®, you get up to $500 of your pay before payday3. No mandatory fees. No credit check. No interest.4
Over 47K fee-free ATMs5.
Access more in-network ATMs than the top 3 banks combined6. Find the closest one in the Chime app.
24/7 live support with a real human.
Chat in-app or call whenever you need support and talk to a real human 24 hours a day, 7 days a week.
Chime Visa® Debit Card vs. our competitors.
| Wells Fargo Clear Access Banking7, 8 | Chase Secure Banking9, 10 | |
Overdraft fee | $0 | $0 | $0 |
Monthly account service fee | $0 | Up to $5 | Up to $4.95 |
International transaction fee | $0 | Up to 3% | Up to 3% |
Fee-free ATMs | 47,000+ | 11,000+ | 14,000+ |
Join the millions who bank fee-free.11
47K fee-free ATMs nationwide5.
No minimum balance required.
No monthly or overdraft fees.
Cash back through Chime Deals®12.
Hear from our members
Real members. Paid testimonials.
“As someone who lives check to check in this struggling economy chime has been a real life saver. Between early payday and spot me, things have been easier for me to manage. When I thought it couldn’t get better, they added on the option to do taxes through the app. Before Chime I’d always drive my bank account deeper into debt because of overdraft fees and hidden charges.”
"I absolutely love all Chime offers me as a Chime+ member! I receive my check two days early, who wouldn’t appreciate that? MyPay? I can access my pay early, which is super helpful for emergency situations. No overdraft fees thanks to SpotMe and it’s all so easy and hassle free."
“Awesome Spot Me that lets you overdraft without the worry of any hidden fees. My credit score went from a 610 to 755 in a year.”
We take security seriously.
Real-time Alerts
Chime allows you to receive instant transaction alerts anytime you use your Chime Card. Turn on daily notifications so you always know what’s happening with your money.
Visa® Zero Liability
Chime cards are backed by Visa’s Zero Liability Policy.18 You're covered if your card is lost, stolen, or fraudulently used.
24/7 Priority Support
Chime Prime™ members get access to priority support, 24/7 with a live human.
Privacy and Security
We support two-factor authentication and support fingerprint authentication.
See fee-free banking in action.11
Tell us your financial goals
It’s the easiest way for us to help you unlock financial progress.
FDIC Insured
Deposits are FDIC-insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. This protects your deposits if an FDIC-insured bank fails.20
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 automatically21. 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 helps 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 want to profit with our members, not from them. That’s why Chime doesn’t rely on overdraft fees, monthly service fees, or minimum balance requirements.
Who can use Chime?
Legal residents 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 secured Chime Visa® 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 7 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 fees, no monthly or annual fees, and no minimum balance fees. Optional services and products may have fees or charges, such as outbound instant transfers, out-of-network transactions, and credit products. Learn more here.
How many ATMs accept the Chime debit card?
You can get cash at more than 47,000 fee-free ATMs5 – more than the top 3 national banks combined6! Including ATMs at popular retail stores like Walgreens, CVS, 7-Eleven, Circle K, and Target.
Get fee-free transactions at FCTI® ATMs in a 7-Eleven or Speedway, or any Allpoint® or Visa® Plus Alliance ATM participating in the Allpoint network.
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.
