Chime® is a financial technology company, not an FDIC-insured bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply.The Chime Visa® Debit Card, the secured Chime Credit Builder Visa® Credit Card, and the secured Chime Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see the back of your Card for its issuing bank.
Chime Checkbook: 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.
By clicking on some of the links above, you will leave the Chime website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Chime. We recommend you review the privacy statements of those third party websites, as Chime is not responsible for those third parties' privacy or security practices.
Third-party trademarks referenced for informational purposes only; no endorsements implied.
Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. and Stride Bank, N.A. (“Banks”). Banks are not responsible for the accuracy of any content provided by author(s) or contributor(s).
This guide is for informational purposes only. Chime does not provide financial, legal, or tax advice. You should check with your legal, financial, or tax advisor for advice specific to your situation.
MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).
^ Information from Capital One’s “Quicksilver Secured from Capital One” as of Aug. 5, 2025: https://www.capitalone.com/credit-cards/quicksilver-secured/
‡ To be eligible for Chime+ status, you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. Higher limits depend, in part on direct deposit amount, but are not guaranteed. See The Bancorp agreement or Stride agreement for details; see back of card for issuer.
2 We’re partnering with Boom to help report rent payments made with your Chime account. Boom reports your rent payments to the credit bureaus. Late payments may negatively impact your credit scores.
Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
3 On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®.
Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
4 Chime Visa® Credit Card holders - Deposits and debit refunds go to your Checking Account, then transfer to your Chime Card Secured Deposit Account - other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then transfer to your Secured Deposit Account. Funds are moved from your Secured Deposit Account to your Checking Account to facilitate outbound transfers and debit purchases. Your Available balance is the money you can spend with your Chime Card or Checking Account. See account agreements and statements for details.
5 Chime Visa® Credit Card holders - Deposits and debit refunds go to your Checking Account, then transfer to your Chime Card Secured Deposit Account - other than Chime Card cash deposits at retailers, which go to your Chime Card Account, then transfer to your Secured Deposit Account. Funds are moved from your Secured Deposit Account to your Checking Account to facilitate outbound transfers and debit purchases. Your Available balance is the money you can spend with your Chime Card or Checking Account. See account agreements and statements for details.
6 Out-of-network ATM withdrawal and over the counter advance fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
7 With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases. Please refer to the < a href="https://www.chime.com/policies/chime-card-cash-rewards-addendum/">Secured Chime Visa® Credit Card – Cash Rewards Program Addendum for details and more information on rotating cash back categories.
8 SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month.
Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions. Bancorp MyPay Agreement or Chime+ Terms and Conditions for more details.
11 Information from Discover’s “Discover it Secured Credit Card” as of Aug. 7, 2025: https://www.discover.com/credit-cards/secured-credit-card/
12 Information from WalletHub’s “Discover vs. Visa: What are the pros and cons?” as of Aug. 7, 2025: https://wallethub.com/answers/cc/is-it-better-to-get-visa-or-discover-card-2140663845/
13 Information from Petal’s “What is a Cash Score?” as of Aug. 7, 2025: https://support.petalcard.com/hc/en-us/articles/360056749093-What-is-a-Cash-Score
14 Information from Petal’s “Are Petal cards secured cards?” as of Aug. 7, 2025: https://support.petalcard.com/hc/en-us/articles/360005302613-Are-Petal-cards-secured-cards
15 Information from Petal’s “What is Leap?” as of Aug. 7, 2025: https://support.petalcard.com/hc/en-us/articles/1260804317690-What-is-Leap
16 Information from Petal’s “Petal 1 Perks Program Rules” as of Aug. 7, 2025: https://www.petalcard.com/legals/petal-1-perks-program-rules
17 Information from Petal’s “Leap Program” as of Aug. 7, 2025: https://www.petalcard.com/legals/leap-program
18 Information from Petal’s “Access to credit begins here.” as of Aug. 7, 2025: https://www.petalcard.com/petal-1
19 Information from OpenSky’s “Build credit with every swipe” as of Aug. 7, 2025: https://www.openskycc.com/
20 Information from OpenSky’s “Spend. Earn. Repeat.” as of Aug. 7, 2025: https://www.openskycc.com/cash-back
21 Information from Mastercard’s “First Progress Credit Cards” as of Aug. 7, 2025: https://firstprogress.com/documents/disclosures/FirstProgress/Important_Disclosures_Prestige.pdf
22 Information from First Progress’s “First Progress Prestige Mastercard® Secured Credit Card IMPORTANT DISCLOSURES” as of Aug. 7, 2025:
https://firstprogress.com/documents/disclosures/FirstProgress/Important_Disclosures_Prestige.pdf
23 Information from CreditOne Bank’s “DISCLOSURES AND TERMS & CONDITIONS FOR CREDIT ONE BANK'S CREDIT CARDS AND CREDIT PROTECTION PROGRAM” as of Aug. 7, 2025:
https://www.creditonebank.com/terms/7rr?pc=WSB4
24 Information from CreditOne Bank’s “Secured Card” as of Aug. 7, 2025: https://www.creditonebank.com/credit-cards/secured-card-visa
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