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Choncé Maddox

Choncé Maddox, CFEI, is a freelance writer who loves to talk about everything personal finance. Her work has been featured in Business Insider, LendingTree, Fox Business, and more.

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.

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¹ Information from the FHA's, "FHA Loan Requirements," as of February 5, 2024: https://www.fha.com/fha_loan_requirements

² Information from the National Association of Home Builder's "Eye on Housing," as of February 5, 2024: https://eyeonhousing.org/2023/08/new-home-sales-increasingly-backed-by-fha-loans/

³ Information from the Consumer Financial Protection Bureau's "Conventional Loans," as of February 5, 2024: https://www.consumerfinance.gov/owning-a-home/loan-options/conventional-loans/

⁴ Information from the Fannie Mae's "Selling guide," accessed February 7, 2024: https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B3-Underwriting-Borrowers/Chapter-B3-5-Credit-Assessment/1041363231/What-is-the-minimum-credit-score-requirement.htm

⁵ Information from the Consumer Financial Protection Bureau's "Adjustable-Rate Mortgages" as of February 5, 2024: https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf

⁶ Information from the Federal Housing Finance Agency's, "FHFA Announces Confirming Loan Limit Values for 2024" as of February 5, 2024: https://www.fhfa.gov/Media/PublicAffairs/Pages/FHFA-Announces-Conforming-Loan-Limit-Values-for-2024.aspx

⁷ Information from the FHA's "FHA Loans and Mortgage Insurance Requirements" as of February 5, 2024. https://www.fha.com/fha_article?id=1373

⁸ Information from the U.S Department of Veterans Affairs, "VA Home Loans," as of February 5, 2024: https://www.benefits.va.gov/homeloans/

⁹ Information from the United State Department of Agriculture's, "Rural Development Single Family Housing Direct Loan Program," as of February 5, 2024: https://www.rd.usda.gov/sites/default/files/RD-DirectLimitMap.pdf.

* To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime® Checking Account. The qualifying direct deposit must be 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.

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