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.

Rebecca Lake

Rebecca Lake, CEPF, has been writing about personal finance and business for nearly a decade. Her work has been featured on CreditCards.com, Credit Karma, Credit Sesame, and other personal finance sites.

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.

¹ Information from the Internal Revenue Service's Topic no. 309, Roth IRA contributions as of January 31, 2024: https://www.irs.gov/taxtopics/tc309

² Information from Investor.gov's Compound Interest as of January 31, 2024: https://www.investor.gov/introduction-investing/investing-basics/glossary/compound-interest

³ Information from the Internal Revenue Service's Roth IRAs as of January 31, 2024: https://www.irs.gov/retirement-plans/roth-iras

⁴ Information from the Internal Revenue Service's Retirement Topics — Required Minimum Distributions (RMDs) as of January 31, 2024: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-required-minimum-distributions-rmds

⁵ Information from the Internal Revenue Service's Roth account in your retirement plan as of January 31, 2024: https://www.irs.gov/retirement-plans/roth-acct-in-your-retirement-plan

⁶ Information from the Internal Revenue Service's Retirement Savings Contribution Credit (Saver's Credit) as of January 31, 2024: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-savings-contributions-savers-credit

⁷ Information from the Internal Revenue Service's IRS Tax Tip 2003-30 Roth IRAs as of January 31, 2024: https://www.irs.gov/pub/irs-news/at-03-30.pdf

⁸ Information from the Internal Revenue Service's Retirement Topics — Beneficiary as of January 31, 2024: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary

⁹ Information from the Internal Revenue Service's Roth Comparison Chart as of January 31, 2024: https://www.irs.gov/retirement-plans/roth-comparison-chart

¹⁰ Information from the Internal Revenue Service's IRA FAQs as of January 31, 2024: https://www.irs.gov/retirement-plans/retirement-plans-faqs-regarding-iras

¹¹ Information from the Internal Revenue Service's Find out if Net Investment Income Tax applies to you as of January 31, 2024: https://www.irs.gov/individuals/net-investment-income-tax

¹² Information from the Internal Revenue Service's Publication 590-B (2022), Distributions from Individual Retirement Arrangements (IRAs) as of January 31, 2024. https://www.irs.gov/publications/p590b

* Chime Checking Account is required to be eligible for a Savings Account.

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