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

David Rodeck

David is a financial content writer based out of New York City. He specializes in making banking, investing and financial planning understandable. Before writing full-time, he was a financial advisor. and passed both the Series 6 and CFP exams

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Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Visa® Debit Card is 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 cards are accepted. The Chime Visa® Credit Builder Card and the Chime Visa® Cash Rewards Card are issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see 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 an external website. The privacy policies of the external website may differ from our privacy policies. Please review the privacy policies and security indicators displayed on the external website before providing any personal.

*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 NACHA's "History of Nacha and the ACH Network" as of August 2, 2023:

2 Information from "ACH Network Moves 30 Billion Payments, $77 Trillion in 2022 Led by Growth in Same Day ACH and B2B" as of August 2, 2023:

3 Information from Integrated Research's "The Complete Guide to Understanding ACH Payments" as of August 2, 2023:

4 Funds are automatically debited from your Checking Account and typically deposited into the recipient's Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

5 Information from GoCardless's "The Pros and Cons of ACH Payment Processing" as of August 2, 2023:

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