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.
* 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.
1 Information from SSA’s “Eligibility for Social Security in retirement” as of October 28, 2024: https://www.ssa.gov/retirement/eligibility
2 Information from SSA’s “Supplemental Security Income (SSI) Overview” as of October 28, 2024: https://www.ssa.gov/ssi/text-over-ussi.htm
3 Information from VA’s “Eligibility for VA disability benefits” as of October 28, 2024: https://www.va.gov/disability/eligibility/
4 Information from SSA’s “Paying Monthly Benefits” as of October 28, 2024: https://www.ssa.gov/kc/rp_paybenefits.htm
5 Information from Military.com’s “2024 VA Disability Payment Schedule” as of October 28, 2024: https://www.military.com/benefits/veterans-health-care/va-disability-payment-schedule.html
6 Information from SSA’s “Schedule of Security Benefit Payments - 2024/2025” as of October 28, 2024: https://www.ssa.gov/pubs/EN-05-10031-2024.pdf
7 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.
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. 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.
8 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.
9 Information from SSA’s “How much could you get from SSI” as of November 6, 2024: https://www.ssa.gov/ssi/amount
10 Information from SSA’s “Start the Supplemental Security Income (SSI) application process” as of November 6, 2024: https://www.ssa.gov/ssi/start.html
11 Information from SSA’s Frequently Asked Questions as of November 6, 2024: https://faq.ssa.gov/en-US/Topic/article/KA-02771
12 Information from USA.gov’s “SSDI and SSI benefits for people with disabilities” as of November 6, 2024: https://www.usa.gov/social-security-disability
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