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.
"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…
"Super intuitive to use!"
Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts after spending? Instant!…
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 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.
Here’s why millions are bankingthrough Chime
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.
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.
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.
While Chime doesn’t issue personal checkbooks to write checks, Chime Checkbook gives you the freedom to send checks to anyone, anytime, from anywhere. See your issuing bank’s Deposit Account Agreement for full Chime Checkbook details.
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. Please see back of your Card for its issuing bank.
¹ Credit Score Increase Based on a representative study conducted by TransUnion®, members who started using Chime Credit Builder in September 2019 observed a median credit score (VantageScore 3.0) increase of 30 points by January 2020. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
² To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Spending Account within the last 365 days of your application. The qualifying direct deposit must have been made by your employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, and cash loads or deposits are not qualifying direct deposits.
See Terms and Conditions.
⁴ Based Bankrate's 2020 Checking Account And ATM Fee Study. https://www.bankrate.com/banking/checking/checking-account-survey/
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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