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1 

On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

2 

Eligibility requirements and limits apply. See Chime Deals® Terms and Conditions.

3 

To be eligible for Chime Prime status, receive $3,000+ in qualifying direct deposits to your Chime Checking Account in the past 34 days. To be eligible for Chime Plus status, receive either 1) a single $200+ qualifying direct deposit; or 2) $400+ in cumulative qualifying direct deposits to your Chime Checking Account in the preceding 34 days. Certain products marketed as perks have additional eligibility requirements. While some perks may have associated fees, none of these fees are mandatory to access the perks or to maintain the applicable status. See the Chime Membership Tiers Terms and Conditions for details on all listed Prime and Plus perks.

4 

With qualifying direct deposits, earn 5% cash back as a Chime Prime member or 2% cash back as a Chime Plus member on up to $1,500 of eligible secured Chime Visa® Credit Card purchases. See the Secured Chime Visa® Credit Card - Cash Rewards Program Addendum for limitations and details on earning cash back on your monthly selected category.

5 

To be eligible for MyPay, you must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Maximum Available Advance may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS ID 2316451).

6 

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.

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Find out how to use all of Chime's products and features, and why members love Chime.

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FAQs

What is Chime?

Chime is a financial technology company offering online banking services through a mobile app, ranked the #1 Most Loved Banking App* with over 1,000,000 five-star reviews on Google Play and the Apple App Store.

How do I open a Chime account?

You can open an account through Chime entirely online via the mobile app or website enrollment process.

How do I build credit with Chime?

Chime offers Chime Card™, a secured credit card that helps members build credit through responsible use. 1

Can I get cash back with Chime?

Yes, you can get cash back on gas, groceries, and more through Chime Deals® by activating available offers in the app2. Local deals are available to all members, and nationwide deals are available to Chime Plus and Chime Prime members.3 You can stack cash back from Chime Deals with cash back on Chime Card. With Chime Prime™, you’ll earn 5% cash back on a category of your choice, and Chime Plus™ members can earn 2% cash back on a category of choice.4

How do I load money onto my Chime Card?

You can load your Chime Card through various methods, including direct deposit, mobile check deposits, and cash deposits at participating retailers.

Can I send and receive money with Chime?

Yes, Chime allows members to send and receive money fee-free with Pay Anyone®, all through the Chime app. If you send money to a non-member, all they need is a valid debit card to claim their cash.

How do I set up direct deposit with Chime?

You can set up direct deposit with Chime by sharing your routing and account numbers with your employer. Once enrolled, your paycheck will be deposited automatically.

How can I unlock MyPay?

You can unlock MyPay automatically when you meet eligibility requirements based on account activity and direct deposits.5 Availability depends on factors like consistent direct deposits and usage history.

Is Chime FDIC insured?6

Money in your Chime accounts is FDIC insured through our partner banks, The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, for up to $250,000 per depositor. This means your deposits are protected if a partner bank fails.

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

Chime is not FDIC-insured. The Bancorp Bank, N.A. and Stride Bank, N.A. are the FDIC-insured members. Deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. FDIC deposit insurance limit is $250,000 per depositor, per insured bank, per ownership category.

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.

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).

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Licenses
Chime Capital, LLC, Nationwide Multistate Licensing System ("NMLS") ID 2316451
Chime Payments, Inc., Nationwide Multistate Licensing System (“NMLS”) ID 2538752

Address: 101 California Street, Floor 5, San Francisco, CA 94111, United States.

No customer support available at HQ. Customer support details available on the website.

© 2013-2026 Chime Financial, Inc. All rights reserved.

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