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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.
Fee-Free Overdraft with SpotMe
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Chime is an award-winning mobile banking app and debit card
Fee-free overdraft up to $100 for eligible members¹
Get paid up to 2 days early with direct deposit²
No hidden bank fees
Grow your savings automatically
Signing up takes 2 minutes
200,000+ 5-Star app reviews
Fee-free Overdraft
Overdraft fees at traditional banks cost Americans an average of $250 a year.³ At Chime, we do things differently. We will allow you to overdraw up to $100¹ on debit card purchases without charging a fee.
Get your paycheck early
Set up Direct Deposit and receive your paycheck up to 2 days earlier than your co-workers!²
Say goodbye to unnecessary bank fees.
No overdraft fees. No minimum balance requirements. No monthly service fees. No foreign transaction fees. No transfer fees. Over 38,000 fee-free MoneyPass® and Visa® Plus Alliance ATMs.
Grow your savings, automatically.
Reach your goals faster by saving money automatically. Our Automatic Savings features help you save money any time you spend or get paid.
Security and control on the go.
Chime’s mobile app makes branchless banking a breeze. Manage your money and account on the go, wherever you go.
Your deposits are insured up to $250,000 through The Bancorp Bank, N.A. or Stride Bank; Member FDIC.
Visa’s Zero-Liability Policy protects all unauthorized purchases.⁴
Over 38,000 fee-free ATMs and 30,000 cash-back locations.
Real-time alerts for every banking transaction.
Automatic Savings takes the effort out of saving.
No minimum, monthly, or overdraft fees.