Chime Guides

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.

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

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

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

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

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.

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.

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.

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.