Get $200 when you move your paycheck to Chime.

At Chime, we’ve created a new approach to online banking that doesn’t rely on fees,¹ gets you your paycheck up to 2 days early with direct deposit,² 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.⁶

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. Everything we build is focused on improving our member’s lives.

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.

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.

Your Chime Checking Account comes with a virtual card that you can add to your mobile wallet. If you'd like a physical debit card you must request one through the Chime app. Once requested, your Chime Visa Debit Card is usually placed in the mail within one (1) business day after you submit your request. 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.

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 three fees.

• $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 47,000+ ATMs³

• $2 to receive funds instantly through MyPay^®

• 1.75% of the total amount of funds to be transferred for each Instant Transfer of Funds (ITOF) transaction.

Please note that third-party services, such as money transfer services used to deposit funds or out-of-network ATM may charge a fee. You can access your money at 47,000+ in-network fee-free ATMs.³

You can get cash at more than 47,000 fee-free ATMs³ – more than the top 3 national banks combined⁷! 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.