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Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
Fee-Free Overdraft with SpotMe
Scroll to the bottom of the page for details on early pay day* and SpotMe**.
Learn how we collect and use your information by visiting our Privacy Notice
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.
Make the switch to a bank account that has your back.
* Early access to direct deposit funds depends on timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date.
** Chime SpotMe is an optional, no fee service that requires that you receive $500 in direct deposit a month to qualify to overdraw your account up to $20 on debit card purchases. Chime, in its sole discretion, may allow you to withdraw your account up to $100 or more based on your Chime Account history, direct deposit history 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 be increased or lowered at any time by Chime.
³ The Q1 2017 Bank Fee Finder Report represents data from over 5,000 individual users with U.S. bank accounts. Five major banks (Bank of America, CitiBank, JPMorgan Chase, Wells Fargo, and U.S. Bank) made up 83% of all Bank Fee Finder users’ accounts. https://www.slideshare.net/ChimeBank/bank-fee-finder-april-2017-report
⁴ You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer
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