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.

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From Our Members: How We Honor MLK’s Legacy

From Our Members: How We Honor MLK’s Legacy

Hear, Hear! Chime Members Share 5 Fantastic New Year’s Resolutions

Hear, Hear! Chime Members Share 5 Fantastic New Year’s Resolutions

Partner Spotlight | InboxDollars

Partner Spotlight | InboxDollars

21 Savage Gets Real About Financial Literacy

21 Savage Gets Real About Financial Literacy

This Time Next Year — Our Members Take a Look To The Future

This Time Next Year — Our Members Take a Look To The Future

Music That Got Us Through The Pandemic (And How To Stream It On A Budget)

Music That Got Us Through The Pandemic (And How To Stream It On A Budget)

Chime Adds Senior Leadership to Technology Organization

Chime Adds Senior Leadership to Technology Organization

#HowIHoliday: Our Members’ Favorite Traditions and Money-Saving Tips

#HowIHoliday: Our Members’ Favorite Traditions and Money-Saving Tips

5 Ways to Make Black Friday Shopping Worth It In 2021

5 Ways to Make Black Friday Shopping Worth It In 2021

21 Savage & Chime: Reconnecting with the Atlanta Community

21 Savage & Chime: Reconnecting with the Atlanta Community

8 Things Our Members Are Thankful for This Thanksgiving

8 Things Our Members Are Thankful for This Thanksgiving

Partner Spotlight | Public

Partner Spotlight | Public

Here’s How Our Members Faced These 3 Fearsome Financial Situations… and Changed Their Futures

Here’s How Our Members Faced These 3 Fearsome Financial Situations… and Changed Their Futures

7 Tips for Creating an Epic $ChimeSign

7 Tips for Creating an Epic $ChimeSign

7 Money Struggles That Affect Our Mental Health

7 Money Struggles That Affect Our Mental Health

Chime vs. Netspend Prepaid Card

Chime vs. Netspend Prepaid Card

Now you can track your FICO® Score in the Chime app, for free!

Now you can track your FICO® Score in the Chime app, for free!

Chime In: How Our Members Are Celebrating LatinX Heritage Month

Chime In: How Our Members Are Celebrating LatinX Heritage Month

The 5 Biggest Struggles in Finding a Place to Call Home

The 5 Biggest Struggles in Finding a Place to Call Home

One Chime Member Shares His Story Of Credit, Chaos, And A Shiny New Car

One Chime Member Shares His Story Of Credit, Chaos, And A Shiny New Car

Charlie Finance is joining Chime

Charlie Finance is joining Chime

The Real Cost of School: 5 Things Everyone Should Know

The Real Cost of School: 5 Things Everyone Should Know

SpotMe Boosts 101 – Spread Some Love

SpotMe Boosts 101 – Spread Some Love

Chime Members Share 6 Reasons Why They Love SpotMe Boost

Chime Members Share 6 Reasons Why They Love SpotMe Boost

Introducing Tori Dunlap

Introducing Tori Dunlap

4 Chime Members Share Their Favorite Part Of Banking With Chime

4 Chime Members Share Their Favorite Part Of Banking With Chime

Chime In: Our LGBTQ Members Share What They’ve Learned About Money & What Pride Means to Them

Chime In: Our LGBTQ Members Share What They’ve Learned About Money & What Pride Means to Them

Chime In: Dreams that can come true with good credit

Chime In: Dreams that can come true with good credit

Now, use Chime to pay anyone

Now, use Chime to pay anyone

SpotMe Boosts: the new way to show your love

SpotMe Boosts: the new way to show your love

Success! Look out for Money Moves in your inbox

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 Terms and Conditions: In order for the referring Chime member (“Referrer”) to qualify and receive the $100.00 monetary referral reward and $10.00 temporary SpotMe Base Limit increase referral reward, and for the referred person (“Referred”) to qualify and receive the $100.00 monetary referral reward, all of the following conditions must be satisfied: (1) Referrer is part of the SpotMe Referral Incentive referral reward campaign; (2) Referred has not previously opened an Account (“Account”); (3) Referred opened a new Account between January 1, 2022 and December 31, 2022; (4) Referred opened the new Account using the Referrer’s unique referral link; and (5) Referred received in the new Account a qualifying direct deposit of $200.00 or more within 45 calendar days of opening. A qualifying direct deposit is a direct deposit from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits. Members may earn no more than $50.00 in SpotMe Base Limit referral increase, and may earn no more than $1,000.00 in monetary referral rewards per calendar year (January 1, 2022 - December 31, 2022 and January 1, 2023 – December 31, 2023). No member’s SpotMe limit may exceed $200. Any Referrer SpotMe Base limit increase referral reward will expire 184 calendar days from the Referred receiving a qualifying direct deposit. If an eligible Referrer loses Base Limit eligibility, and the Referred completes the above conditions, the Referrer will receive the $10 temporary SpotMe limit increase referral reward only upon regaining Base Limit eligibility. Referral rewards will generally be provided within two (2) business days after all the above conditions are met. The Referrer’s account must be in good standing in order to receive the referral reward. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referred’s establishment of a new Account or enrollment in a product. Chime reserves the right to cancel or modify the terms of any referral reward offer or terminate a member's eligibility at any time with or without prior notice. Credits of $10 or more will be reported on tax form 1099-INT for new members (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Chime members (Referrers). Banking services are provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

2 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.

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