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

Chime Team

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Fintech and consumer protection leader, Shara Chang joins Chime as Chief Compliance Officer

Fintech and consumer protection leader, Shara Chang joins Chime as Chief Compliance Officer

Dollars & Sense™: Chime’s New Game Where Money Talks, and So Do You

Dollars & Sense™: Chime’s New Game Where Money Talks, and So Do You

How SpotMe® Helps Chime Member Raymon Between Paychecks

How SpotMe® Helps Chime Member Raymon Between Paychecks

How Chime® Helped Member Corey Move Beyond Fees

How Chime® Helped Member Corey Move Beyond Fees

Chime Scholars Foundation

Chime Scholars Foundation

How Gen Z Views and Builds Wealth

How Gen Z Views and Builds Wealth

How Do You Open an Account Online Through Chime?

How Do You Open an Account Online Through Chime?

Best Credit Card to Build Credit: Chime vs. Extra

Best Credit Card to Build Credit: Chime vs. Extra

How Credit Builder Helped Member Matthew Achieve His Dreams and See the World

How Credit Builder Helped Member Matthew Achieve His Dreams and See the World

Chime® vs. Ally®: Which Online Banking Platform Is Right for You?

Chime® vs. Ally®: Which Online Banking Platform Is Right for You?

How Credit Builder Helped Chime® Member Rozan Raise Her Credit Score

How Credit Builder Helped Chime® Member Rozan Raise Her Credit Score

Chime Appoints Madhu Muthukumar to Chief Product Officer

Chime Appoints Madhu Muthukumar to Chief Product Officer

How Does Chime Make Money?

How Does Chime Make Money?

Save More Through Chime’s Partners

Save More Through Chime’s Partners

Earn Extra Cash Through Chime’s Partners

Earn Extra Cash Through Chime’s Partners

Chime In for Changemakers™

Chime In for Changemakers™

How Can Credit Builder Help You Build Credit?

How Can Credit Builder Help You Build Credit?

Nick Fairbairn, former Experian, Gabi, Dollar Shave Club Marketing Leader joins Chime as VP of Product Marketing

Nick Fairbairn, former Experian, Gabi, Dollar Shave Club Marketing Leader joins Chime as VP of Product Marketing

How to Travel on a Budget from Chime® Member Andre

How to Travel on a Budget from Chime® Member Andre

Chime Credit-Building Myths: Busted

Chime Credit-Building Myths: Busted

Building an Authentic Business with Chime® Member Maysan

Building an Authentic Business with Chime® Member Maysan

How to Pursue Creative Goals from Chime® Member Edgar

How to Pursue Creative Goals from Chime® Member Edgar

Top Family Budgeting Tips from Chime® Member Sam

Top Family Budgeting Tips from Chime® Member Sam

Grow Your Money Faster With a Chime High-Yield Savings Account

Grow Your Money Faster With a Chime High-Yield Savings Account

How to Deposit¹ Cash Into Your Chime Account

How to Deposit¹ Cash Into Your Chime Account

Direct Deposit Your Tax Refund and You Could Win $10k. That’s Tax Season, UnlockedTM

Direct Deposit Your Tax Refund and You Could Win $10k. That’s Tax Season, UnlockedTM

How to Contact Chime Customer Service

How to Contact Chime Customer Service

How to Find an ATM Near Me for Chime

How to Find an ATM Near Me for Chime

Chime Mobile Check Deposit Guide

Chime Mobile Check Deposit Guide

How to Set Up Direct Deposit With Chime

How to Set Up Direct Deposit With Chime

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Chime® is a financial technology company, not a bank. Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card and the Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit and credit cards are accepted. Please see the back of your Card for its issuing bank.

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.

‡ SpotMe® for Credit Builder 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.

1 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.

2 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking 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 Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

3 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.
4 On-time payment history can 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.

5 Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

6 Chime received the highest 2021 Net Promoter Score among competitors in the industry according to Qualtrics®. Chime was the 2021 #1 most downloaded banking app in the US according to Apptopia®.

7 Information from NACHA’s “Payments Myth Busting” as of November 8, 2022:
https://www.nacha.org/content/payments-myth-busting

8 Information from DoorDash as of November 8, 2022:
https://help.doordash.com/dashers/s/article/When-do-Dashers-get-paid?language=en_US

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

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