Join over 10 million people banking through Chime
We take security seriously
At Chime, information security is a top priority. Deposits are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC. And we work hard to protect your information, such as by using encryption and other measures to help safeguard your money and data.
Real-time alerts keep you in the know
Chime allows you to receive instant transaction alerts anytime you use your Chime debit card. Turn on daily notifications so you always know what’s happening with your money.
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.
Secure Chime Credit Builder Visa® Credit Card
Help increase your credit score by an average of 30 points with regular on-time payments.2 Eligibility requirements apply.3
Keeping your money secure
Deposits 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.◆
We support two-factor authentication and support fingerprint authentication.
Banking services for the Chime Spending Account are provided by The Bancorp Bank or StrideBank, 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. 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.
* You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer.
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 Spending 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 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.
+ The Annual Percentage Yield ("APY") for the Chime Savings Account is variable and may change at any time. The disclosed APY is accurate as of October 15, 2021. No minimum balance required. Must have $0.01 in savings to earn interest.
◆ 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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