Fee-Free Overdraft with SpotMe

Scroll to the bottom for details on SpotMe*.

Chime® is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Credit Builder card issued by The Bancorp Bank, N.A. or Stride Bank, N.A.

Chime is an award-winning mobile banking app and debit card

Heavy Check Mark on Microsoft Fee-free overdraft up to $100 for eligible members*

Heavy Check Mark on Microsoft Get paid up to 2 days early with direct depositˆ

Heavy Check Mark on Microsoft No hidden bank fees˜

Heavy Check Mark on Microsoft  Grow your savings automatically

Heavy Check Mark on Microsoft  Signing up takes 2 minutes

 

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.# At Chime, we do things differently. We will allow you to overdraw up to $100* 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 some of your co-workers!ˆ

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.˜

automatically save money

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.

Visa’s Zero-Liability Policy protects all unauthorized purchases.◆

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.

Get Started