Banking That Has Your Back

Click for details on SpotMe¹, early pay day² and fees³.

300,000+ 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

"Super intuitive to use!"

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

★★★★★
Austin, App Store Review

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.

Here’s why millions are banking
through Chime

  • Get paid up to 2 days earlyˆ with direct deposit
  • Fee-free overdraft up to $100* for eligible members
  • No hidden bank fees˜
  • Grow your savings automatically

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, N.A. or Stride Bank, N.A., Members FDIC.

Shop worry-free at millions of merchants. Chime debit cards are protected by the Visa Zero Liability.⁵ Policy to ensure that cardholders will not be responsible for unauthorized charges.

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.