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 and the secured Chime Credit Builder Visa® Credit Card are issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Please see 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 payer.
¹ Information from Consumer Financial Protection Bureau's "What is a Payday Loan?" as of July 8, 2024: https://www.consumerfinance.gov/ask-cfpb/what-is-a-payday-loan-en-1567/
² Information from the National Conference of State Legislatures "Payday Lending State Statutes" as of July 8, 2024: https://www.ncsl.org/financial-services/payday-lending-state-statutes
³ Information from Pay Day Loan Info's "Legal Status of Payday Loans By State" as of July 11, 2024: https://paydayloaninfo.org/state-information/
⁴ Information from Consumer Financial Protection Bureau's "What Are the Costs and Fees For a Payday Loan?" as of July 8, 2024: https://www.consumerfinance.gov/ask-cfpb/what-are-the-costs-and-fees-for-a-payday-loan-en-1589/
⁵ Information from FTC's "Fair Debt Collection Practices Act" as of July 8, 2024: https://www.ftc.gov/legal-library/browse/rules/fair-debt-collection-practices-act-text
⁶ Information from Consumer Financial Protection Bureau's "Can a Payday Lender Garnish My Bank Account or My Wages?" as of July 8, 2024: https://www.consumerfinance.gov/ask-cfpb/can-a-payday-lender-garnish-my-wages-en-1609/
⁷ Information from Experian's "P2P Lending vs Traditional Lending" as of July 8, 2024: https://www.experian.com/blogs/ask-experian/p2p-vs-traditional-lending/
⁸ Information from Consumer Financial Protection Bureau's "What is Credit Counseling?" as of July 8, 2024: https://www.consumerfinance.gov/ask-cfpb/what-is-credit-counseling-en-1451/
⁹ Information from Consumer Financial Protection Bureau's "What is the difference between credit counseling and debt settlement, debt consolidation, or credit repair?" as of July 8, 2024: https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-credit-counseling-and-debt-settlement-debt-consolidation-or-credit-repair-en-1449/
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