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Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC.
Banking That Has Your Back
Scroll to the bottom for details on SpotMe¹, early pay day², fees³ & Annual Percentage Yield⁴.
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 fees³
0.50% Annual Percentage Yield (APY)⁴ on optional Savings Account— 10X⁵ the national average!
Signing up takes 2 minutes
350,000+ 5-Star app reviews
Fee-free Overdraft
Traditional banks took $11 Billion in overdraft fees in 2019.⁷ 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.³
Make your money grow fast.
0.50% Annual Percentage Yield (APY)⁴. Set money aside with Automatic Savings features. And never pay a fee on your Savings Account.
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.⁶ 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.
Make the switch to a bank account that has your back.
Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are 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 Chime SpotMe is an optional, no fee service that requires $500 in qualifying direct deposits to the Chime Checking Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases initially, but may be later eligible for a higher limit of up to $100 or more based on member's Chime Account history, direct deposit frequency 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 change at any time, at Chime's discretion. SpotMe won't cover non-debit card purchases, including ATM withdrawals, ACH transfers, Pay Friends transfers, or Chime Checkbook transactions.
See terms and conditions
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.
#June 2020 Overdraft Fees Report
⁴ APY—Annual Percentage Yield. Effective December 9, 2020 the interest rate will be 0.50%. These interest rates are variable and may change at our discretion at any time. No minimum balance required. Must have $0.01 in savings to earn interest.
⁵The average national savings account interest rate of 0.05% is determined by FDIC as of November 30th, 2020 based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. visit https://www.fdic.gov/regulations/resources/rates/historical/2020-11-30.html to learn more.
⁶ June 2020 Overdraft Fees Report
⁷ You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer
Chime
P.O. Box 417
San Francisco, CA 94104-0417
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