Saving members over $10 billion in overdraft fees¹

Chime is a financial technology company, not a bank. Banking services and checking account provided by The Bancorp Bank or Stride Bank N.A.; Members FDIC. Credit Builder card issued by Stride Bank N.A.

450,000+ 5-Star app reviews

"Chime has your back!"

The “SpotMe*" option helps me to still get my groceries when I'm short with no overdraft fees... Everything is done online and efficiently.

★★★★★
Kelly, App Store Review

"Trustworthy and secure"

You can call customer service and get a live representative. And your security and privacy is their number one concern. I recommend this app to everybody Chime is the best…

★★★★★
David, App Store Review

"Best App & Best Bank Account"

Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts after spending? Instant!…

★★★★★
Austin, App Store Review
Toggle-Debit

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 balance requirements.

Toggle-Credit

Secure Chime Credit Builder Visa® Credit Card

Help increase your credit score by an average of 30 points with regular on-time payments.1 Eligibility requirements apply.2

  • No interest or annual fee
  • No credit check to apply
  • No minimum security deposit required3

Safe, secure & trusted by millions

Get instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications. Instantly block your card if it goes missing or you suspect unauthorized use.

Your funds are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC.

Visa’s Zero-Liability Policy protects all unauthorized purchases.

Questions?

Here's everything you need to know about SpotMe

What is Chime?

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.

What is Chime's mission?

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.

Who can use Chime?

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.

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: support@chime.com

 

Does Chime charge any fees?

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.

How many ATMs accept the Chime debit card?

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. 

Will I ever be charged an overdraft fee through Chime?

No. If you do not have sufficient funds in your Chime Checking Account, or have reached your SpotMe limit (if enrolled), then your Chime Visa® Debit Card will be declined. There is no fee for declining transactions or for utilizing SpotMe.

Banking services for the Chime Spending Account are provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

¹ Based on eligible members use of SpotMe v. $33 average overdraft fee from 2012 to 2020 based on Bankrate Checking Account Fee Study.
² Credit Score Increase Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
³ Chime Credit Builder Visa® Credit Card: Money moved from your Checking Account into the Credit Builder secured account is the amount you can spend with your Credit Builder card. When you make a purchase, that amount in your secured account and used to pay your monthly balance. Credit Builder Eligibility: To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
4 Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

* SpotMe/Fee-Free Overdraft Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month and Visa debit card activation. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member's Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See terms and conditions.

^ Early Payday/Get Paid Up to Two Days Early Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

+ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of August 25th, 2022. No minimum balance required. Must have $0.01 in savings to earn interest.

# June 2020 Overdraft Fees Report https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf

You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.

Chime
P.O. Box 417
San Francisco, CA 94104-0417

© 2013-2022 Chime. All Rights Reserved.