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.

David Rodeck

David Rodeck 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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Credit Spread Essentials: Investing and Borrowing Strategy Insights

Credit Spread Essentials: Investing and Borrowing Strategy Insights

Average Savings By Age

Average Savings By Age

How to Find Old 401K Accounts: A Step-by-Step Guide

How to Find Old 401K Accounts: A Step-by-Step Guide

How to Start a Roth IRA Account in 5 Steps

How to Start a Roth IRA Account in 5 Steps

Inflation And Interest Rates: How They’re Related

Inflation And Interest Rates: How They’re Related

Roth 401(k) vs. Roth IRA: Contribution Limit Comparison

Roth 401(k) vs. Roth IRA: Contribution Limit Comparison

What Is A Payroll Advance?

What Is A Payroll Advance?

How Do Interest Rates Work? Definitions and Examples

How Do Interest Rates Work? Definitions and Examples

What Is the Automated Clearing House (ACH)? How It Works

What Is the Automated Clearing House (ACH)? How It Works

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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.

*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: https://www.nacha.org/content/history-nacha-and-ach-network

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: https://www.nacha.org/news/ach-network-moves-30-billion-payments-77-trillion-2022-led-growth-same-day-ach-and-b2b

3 Information from Integrated Research's "The Complete Guide to Understanding ACH Payments" as of August 2, 2023: https://www.ir.com/guides/ach-payments

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: https://gocardless.com/en-us/guides/posts/pros-and-cons-ach-payment-processing/

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