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Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
Get your federal tax refund up to 3 days early1
when you file directly with the IRS and direct deposit with Chime
Learn how we collect and use your information by visiting our Privacy Policy›
in government payments have been processed by Chime to date.
that filed with the IRS have received their government refunds up to 3 days early1 through direct deposit with Chime.
Here’s why millions are banking through Chime
Make the switch to a bank account that has your back
Chime is a financial services company. Banking services 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. Please see back of your Card for its issuing bank.
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. These funds are generally made available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Federal tax payments may be received from the Internal Revenue Service (IRS) three days before the scheduled payment date, meaning tax refunds potentially could be made available up to 3 days early.
*Chime SpotMe® is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 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. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.
^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.
˜Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
⁺APY—Annual Percentage Yield. Effective December 9, 2020 the interest rate will be 0.50%. These interest rates are variable and may change at our discretion at any time. No minimum balance required. Must have $0.01 in savings to earn interest.
Chime
P.O. Box 417
San Francisco, CA 94104-0417
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