Fee-Free Overdraft with SpotMe

Scroll to the bottom of the page for details on SpotMe¹

Chime is a financial technology company. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC

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

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

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Fee-free Overdraft

Traditional banks took $11 Billion in overdraft fees in 2019.⁴ At Chime, we do things differently. We will allow you to overdraw up to $100¹ on debit card purchases without charging a fee.

Get Paid Early with Early Direct Deposit

Get your paycheck early

Set up Direct Deposit and receive your paycheck up to 2 days earlier than your co-workers!²

No Fee Banking

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 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. 

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.

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. 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.

¹ 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.
² 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.
³ Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply.
⁴ June 2020 Overdraft Fees Report by the Center for Responsible Lending (CFPB) https://www.responsiblelending.org/sites/default/files/nodes/files/research-publication/crl-overdraft-covid19-jun2019.pdf
⁵ 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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