All your
banking needs,
fee-free.

Chime has no monthly fees, no minimum balance requirements, and no overdraft fees. That's the Chime^® approach. Chime can help you keep more of your money by avoiding many of the fees that traditional banks often charge. Here's a quick look at what you won't pay:

However, certain minimal fees may apply, like over-the-counter (OTC) cash withdrawals, out-of-network ATM withdrawals, and instant transfer of funds fees. You can find Chime’s fee schedule in the Bancorp Deposit Account Agreement and Stride Account Agreement. We want to keep everything out in the open so you know exactly what fees we may charge to your online checking account. Some fees that may apply include 

• Over-the-counter (OTC) cash withdrawals: $2.50 per withdrawal

• Out of network ATM withdrawals: $2.50 per withdrawal

• Instant transfer of funds fees: 1.75% of the total amount of funds to be transferred for each ITFO Service transaction

Opening an account takes about two minutes and happens entirely online or in the Chime mobile app. There's no credit check, no minimum deposit, and no branch visit required. You’ll need to provide some personal information. After Chime reviews and confirms your information, you’re in!

• Age: 18 years or older

• Residency: U.S. resident with a valid SSN

• ID : Government-issued photo ID

• Device: Smartphone or computer

• Initial deposit: None required

Once approved, your Chime Visa^® Debit Card typically arrives within 7 to 10 business days.
You can connect your existing bank account to transfer funds or set up direct deposit. Read our blog for more information on how to open your online bank account through Chime, manage your money with our mobile app, and take advantage of our user-friendly features.

Chime^® is a financial technology company that offers banking services, not a bank. Banking services are provided by our partner banks: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Your deposits are held at these regulated, FDIC-insured institutions. This setup means you get modern mobile banking features backed by the safety and security of established banks.

Yes. Your deposits are held at FDIC-insured partner banks and protected up to $250,000 per depositor.¹⁸ Chime also uses encryption, biometric login options, and real-time transaction alerts to help keep your account secure. If your card is ever lost or stolen, you can disable it in the app.

The Chime High-Yield Savings Account can help you grow your money faster with up to 3.75% APY when you have a Chime Prime membership.¹⁰ There are no monthly fees, no minimum balance, and no cap on the interest you can earn.

Two built-in tools make saving easier:²¹

• Round Ups: Every time you use your Chime debit card, your purchase rounds up to the nearest dollar and the spare change moves automatically to savings.

• Automatic Savings: Set a percentage of each paycheck to transfer directly into savings when your direct deposit arrives.

Your savings are held at FDIC-insured partner banks, so your money stays protected while it grows.

Chime earns revenue primarily from interchange fees – the small fee Visa^® charges merchants when you use your Chime Visa^® Debit Card. This means our business model is built around you actually using your account, not charging you fees. It's why we don't rely on overdraft fees, monthly fees, or minimum balance requirements.

SpotMe^® lets you overdraw your account on debit card purchases and cash withdrawals without paying overdraft fees.² Limits start at $20 and can increase up to $200 based on your account history and activity.

To qualify, you'll need to receive at least $200 in qualifying direct deposits to your Chime Checking Account each month. There's no interest, no credit check, and no late fees. SpotMe can help you cover small shortfalls until your next paycheck arrives.

MyPay^® gives you early access to money you've already earned before payday arrives. You can access up to $500 per pay period,²² depending on your approved limit.
There's no mandatory fee to use MyPay. If you choose the standard option, your advance arrives within 24 hours at no cost. Need it faster? Instant transfers are available for $2 to $5. The advance is automatically repaid when your next direct deposit hits your account.

Yes. When your employer sends your direct deposit, Chime can make those funds available up to two days early.³ There's no extra fee or special sign-up required. Direct deposit simply needs to be set up with your employer using your Chime account and routing numbers.

Early access timing depends on when your employer submits the deposit, so the exact timing can vary.

Yes. Chime's Pay Anyone⁸ feature lets you send money fee-free to anyone regardless of their bank, even if they don't have a Chime account. Recipients get a link to claim the funds, which they can deposit into any U.S. bank account.

For transfers between Chime members, money moves instantly. Sending to non-members typically takes 1 to 3 business days once claimed. There's no fee to send money through Pay Anyone.

To use Pay Anyone in the Chime app to send money:

• Log in to your Chime mobile app.

• Select 'Pay' at the bottom of the home screen" or "Tap Pay" at the bottom of the home screen.

• Search for your friend’s name or $ChimeSign, or enter the email or phone number of someone who isn’t on Chime.

• Enter the amount to send to the recipient and the reason that you’re sending the money.

• Confirm the amount and the recipient.

• Choose Pay now to send the money.

No! You can send money to anyone, whether they’re on Chime or not, all within the Chime app without paying a fee. With Chime, you don’t have to keep juggling 5 different P2P apps like Cash App, Venmo, or Zelle.

Yes, your Chime Visa^® Debit Card works anywhere Visa is accepted worldwide, and Chime doesn't charge foreign transaction fees. Just keep in mind that international ATM operators may charge their own fees for withdrawals.

Chime offers Chime Card^™︎, a secured Visa^® credit card with no credit check to apply, no annual fee, and no interest. It reports your payment activity to all three major credit bureaus: Equifax^®, Experian,^® and TransUnion.^® When used responsibly, Chime Card can help you build credit over time.²³

Chime members have access to over 47,000 fee-free ATMs nationwide through the Allpoint^®, Visa^® Plus Alliance, and FCTI^® networks. You'll find them at retailers like Target, CVS, Walgreens, and inside 7-Eleven and Speedway locations.

Just open your Chime mobile app, tap 'Move', and select 'Find an ATM' to find a fee-free ATM near you, or use our online ATM locator. If you use an out-of-network ATM, the operator may charge a fee.

There are several ways to add funds to your Chime Checking Account:

• Mobile check deposit: Snap a photo of your check in the Chime app–just don’t forget to endorse the back

• Cash deposit: Deposit cash fee-free at 7,900+ Walgreens locations, or add cash at participating retailers like Walmart, CVS, and 7-Eleven for a small fee

• Bank transfer: Link an external bank account or credit union and transfer funds via an ACH transfer

• Debit transfer: Initiate an instant debit transfer by linking your debit card from another bank.

• Pay Anyone: Receive money from other Chime members or anyone with a U.S. bank account

• Payment apps: Add your Chime debit card to your payment app to transfer money into your Chime account

Cash deposits at retail locations may have fees set by the retailer, typically ranging from $2.50 to $4.95.

There’s a couple ways to set up direct deposit and get the most out of Chime. 
The best way to get started is to use the Chime app. Tap ‘Move’, select ‘Set up direct deposit’ and follow the steps. There are three ways you can set up direct deposit:

• Use your Chime routing and account numbers

• Find your employer in the app

• Send your employer a precompleted form that you can get from the Chime app

The Chime mobile app puts your full banking experience in your pocket. Use the Chime app to check your account balances, review transactions, deposit checks,²⁴ send money to friends,⁸ transfer funds, and find nearby ATMs for easy cash withdrawals.

Key features include:

• Instant transaction notifications so you always know when money moves

• The ability to lock or unlock your card instantly if it's lost or misplaced

• Built-in budgeting tools that track your spending by category

• ATM locator to find fee-free cash access nearby

• Touch ID and Face ID for secure, quick access

Find out why more than 1,000,000 users gave the Chime app a five-star review on the Google Play^® and Apple App Store^® when you open a Chime account.