Set it and forget it
Our Automatic Savings features make it easy to reach your goals faster.
Savings when you spend
We’ll round up each purchase made on your Chime card to the nearest dollar and transfer that amount from your Checking Account to your Savings Account.
Savings when you get paid
Save money with every paycheck so you can achieve your financial goals faster. Automatically transfer a percentage of your paycheck3 directly into your Chime Savings Account.
No fees. No catch. No worries.
No minimum balance requirement, no maximums on interest earned. And no fees.3
Chime Checking Account and Visa® Debit Card
Your Chime Checking Account comes with a debit card to use everywhere Visa debit cards are accepted.
And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum
Chime Credit Builder Visa® Credit Card
Help increase your credit score by an average of 30 points with our new secured credit card.5 Eligibility requirements apply.6
Safe, secure & trusted by millions
Your deposit accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC and protected by strong encryption.
At Chime, we’ve created a new approach to online banking that doesn’t rely on fees2 , gets you your paycheck up to 2 days early with direct deposit1 , 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 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 or Stride Bank, N.A.; Members FDIC.
Our mission is to make financial peace of mind a reality for everyone. 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.
U.S. Citizens 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.
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.
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: firstname.lastname@example.org
We don’t believe in unnecessary fees or profiting from our members’ misfortune. We have no fees to sign up, no overdraft, no monthly or service fees, no minimum balance fees, no transaction fees, and no card replacement fees either. We do charge one fee ($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 60,000+ ATMs
Please note that third-party services, such as money transfer services used to deposit funds or out of network ATM used to withdraw funds to your Chime Checking Account may impose their own fees per transaction.
You can get cash at more than 60,000+ fee-free ATMs – more than the top 3 national banks combined! 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.