A bank account shouldn't cost you money
no overdraft fees
no minimum balance
no monthly service fees
no foreign transaction fees
no transfer fees
Get paid up to 2 days earlyˆ with direct deposit
No hidden fees˜
Grow your savings automatically
Your account is secured with strong encryption
Chime Spending Account and Visa® Debit Card
Your Chime Spending Account comes with a debit card to use everywhere Visa debit cards are accepted.
And unlike some prepaid cards and traditional bank accounts, there are no monthly account fees and minimum balance requirements.
Secured Chime Credit Builder Visa® Credit Card
Help increase your credit score by an average of 30 points with regular, on-time payments.1 Eligibility requirements apply.2
Safe, secure & trusted by millions
Your deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC and protected by strong encryption.
Make the switch today
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.
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 Chime Credit Builder Visa® Credit Card: Money moved from your Checking Account into the Credit Builder secured account is the amount you can spend with your Credit Builder card. When you make a purchase, that amount in your secured account and used to pay your monthly balance. Credit Builder Eligibility: To be eligible to apply for Credit Builder, you need to have received a qualifying direct deposit of $200 or more to your Checking 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.
³ Security Deposit Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
See Terms and Conditions.
◆ 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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