Banking That Has Your Back

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

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

Real Member, Sponsored Content

"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

Real Member, Sponsored Content

"Super intuitive to use!"

Love it! Everything is so easy and INSTANT! Turn on and off card? Instant! Texts after spending? Instant!…

★★★★★
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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.

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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

  • No interest or annual fee
  • No credit check to apply
  • No minimum security deposit required4

Safe, secure & trusted by millions

Get instant transaction alerts anytime you use your Chime debit card, when you turn on transaction notifications. Instantly block your card if it goes missing or you suspect unauthorized use.

Your funds 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.

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.

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.

˜ No Hidden Fees Out-of-network ATM withdrawal fees apply except at Moneypass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM. ATM withdrawals will be fee-free at all Moneypass ATMs until at least August 7, 2021. Other fees such as third-party and cash deposit fees may apply.

^ Early Payday/Get Paid Up to Two Days Early 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.

* SpotMe/Fee-Free Overdraft Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Spending Account each month. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 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. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Friends transfers, or Chime Checkbook transactions. 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 effective as of July 1, 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

Chime P.O. Box 417 San Francisco, CA 94104-0417

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