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.

Haley Rogers

Haley Rogers is a content marketer and personal finance writer covering topics like inflation, savings, retirement, spending, budgeting, finance scams, and more. Her work spans various industries, with personal finance content primarily published on MagnifyMoney and ValuePenguin.
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How to Get Student Loans: A Comprehensive Guide

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Electronic Funds Transfer (EFT) Explained

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What Is Open Enrollment?

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Avoid 6 Types of Phone Scams with These Tips

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Holiday Scams to Avoid This Season

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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.

1 Information from the National Retail Federation’s “NRF Says 2021 Holiday Sales Grew 14.1 Percent to Record $886.7 Billion” as of November 16, 2022: https://nrf.com/media-center/press-releases/nrf-says-2021-holiday-sales-grew-141-percent-record-8867-billion

2 Information from the Better Business Bureau’s 2021 Online Purchase Scams Report, “How to Stay Safe Online”, as of November 16, 2022: https://www.bbb.org/content/dam/bbb-institute-(bbbi)/2021-online-purchase-scams/Final%202021-BBB-OnlinePurchaseScamsTips.pdf

3 Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each month and Visa debit card activation. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime's discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won't cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See terms and conditions.

4 Information from the Federal Communications Commission’s “How to Identify and Avoid Package Delivery Scams” as of November 16, 2022: https://www.fcc.gov/how-identify-and-avoid-package-delivery-scams

5 Information from the Federal Bureau of Investigation Crime Complaint Center’s “Internet Crime Report 2021” as of November 16, 2022: https://www.ic3.gov/Media/PDF/AnnualReport/2021_IC3Report.pdf

6 Information from the Federal Trade Commission’s “New Data Shows FTC Received 2.8 Million Fraud Reports from Consumers in 2021” as of November 16, 2022: https://www.ftc.gov/news-events/news/press-releases/2022/02/new-data-shows-ftc-received-28-million-fraud-reports-consumers-2021-0

7 Information from the Better Business Bureau’s “Online Shopping Fraud” study as of November 16, 2022: https://www.bbb.org/all/scamstudies/fake_online_retailers_study/online_shopping_fraud_study

8 Information from the Better Business Bureau’s “BBB Tip: ‘Brushing’ scam indicates a serious problem for victims” as of November 16, 2022: https://www.bbb.org/article/news-releases/20509-amazon-brushing-scam-indicates-a-serious-problem-for-victims

9 Information from the Federal Bureau of Investigation’s “How We Can Help You: Charity and Disaster Fraud” as of November 16, 2022: https://www.fbi.gov/how-we-can-help-you/safety-resources/scams-and-safety/common-scams-and-crimes/charity-and-disaster-fraud

10 Information from the Federal Trade Commission’s “Before Giving to a Charity” as of November 16, 2022: https://consumer.ftc.gov/articles/giving-charity

11 Information from the Federal Trade Commission’s “What To Do if You Were Scammed” as of November 16, 2022: https://consumer.ftc.gov/articles/what-do-if-you-were-scammed

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